Mortality & Theft Insurance

Monday, April 3, 2017
Posted by Tracey Scharf


Somewhat comparable to human life insurance, equine mortality insurance covers death caused by accident, injury, or illness. And with Markel your policy also covers for theft.

Eligible horses must be "sound and insurable." Markel considers "insurable" horses to be those 24 hours old (with a vet exam) through the age of 18 years old. Underwriters may refuse to write policies for full mortality coverage of horses with serious health problems, such as navicular disease, recurring colic, or chronic laminitis. They also reserve the right to exclude any pre-existing conditions from the policy.

One of the most frequently asked questions we get is “If my horse has an injury or becomes sick, and we open a claim – Will my horse be “dropped” when the policy renews?” Under most circumstances, NO! Under certain circumstances the underwriters may add an exclusion to the policy for a specific injury or illness. This exclusion may remain for a year or two, and as long as the horse has had no further issues, we may remove an exclusion with a new vet exam, after the injury has been reevaluated by a veterinarian.  What many customers don't realize, is that injuries or illnesses a horse experiences during one policy period may be excluded as preexisting conditions by the same company the following year. This is very standard, as each year, your policy is considered a new policy.

Questions? No problem!

For the personal attention you deserve, contact Mary Phelps' office.
Tracey Scharf office 800-572-3286
Mary Phelps -

We are available on the scene, on the road, on the net, and in the office to answer your questions, help you with your applications, and be your direct connection to our Markel Underwriters. We work hard at this process so you don't have to. The application process does not have to be a daunting task. We are here to make it easy, so you can spend time with your horses and clients.