Equine Mortality


For a horse owner, the loss of a beloved animal can be devastating both emotionally and financially.  And while equine mortality insurance can’t diminish the grief of losing a horse, it can help to soften the economic impact. We offer several flexible coverage options because we know that horses (and their owners) are unique.


All-risk mortality and theft is a comprehensive policy that reimburses the horse owner for the death, theft and humane destruction of a covered horse. Our policies are agreed value, and we offer full mortality and theft, or specified perils coverage. 


Coverage highlights:

  • 24 hours/7 days a week claims service

  • No vet certificate required for horses valued under $50,000 and with no pre-existing health conditions. *In the US or Canada.  **Horses overseas are required to have a vet exam - regardless of the value.

  • Medical/Surgical and surgical only plans

  • Emergency colic surgery expense ($2,500 limit) added at no additional charge with additional buy up options

  • Private horse owner liability coverage can be added for an additional charge

  • 90-day extension clause

  • Guaranteed renewal coverage added at no additional charge

  • Optional coverages for an additional premium to include:

  • Transit - Overseas

  • Prospective foal – certain restrictions apply

  • Stallion infertility

  • Limited permanent disability 


All of the following endorsements are optional and can be added to your equine mortality insurance policy provided you meet the necessary requirements and pay the additional premium.

Certain exclusions apply


Major Medical & Surgical


Major medical & surgical is available when purchasing a mortality policy.  This coverage reimburses the veterinarian's fees for surgery, major illness and disease.  We will pay reasonable and customary charges necessitated by accident, injury or illness for your insured horse.  We offer several options and limits to choose from. This coverage is provided for clients as a means to help with the costly expenses of medical surgical treatments due to accident, sickness or injury.




Should your insured horse require surgery, this equine health insurance endorsement will cover the costs.  We will pay reasonable and customary charges for surgical treatment necessitated by accident, injury or illness.  We offer surgical limits up to $10,000, with a very low deductible.




If your horse becomes totally and permanently incapable of fulfilling the functions for which it is used, as stated on your equine mortality insurance policy, as a result of a sudden, accidental and external injury, which occurs during the policy term but its condition does not necessitate destruction for humane reasons, you may suffer a financial loss.  Specific details available upon request. 




Coverage for importing or exporting your horse internationally by air.  Specific details available upon request.




Also known as "Named Perils" or "Restricted Perils" covers a horse for death, theft or humane destruction caused by specified perils listed in the policy, including but not limited to fire, lightning, earthquakes, electrocution, drowning, transit risks and attack by wild animals. It is important to note a specified perils policy does not cover your horse for death due to illness or disease.  Horses from 91 days through 25 years old.


Mortality Insurance Forms:

Mortality Application

Download Application
Adding Horses Supplement - If you already have a current policy, and you would like to add a new horse to that existing policy, please use the Adding Horse Supplement form 
Vet Exam - This is required for horses that fall into the following guidelines:
  • Horses value is greater than $50,000
  • Horse is between 24 hours and 30 days old, or 16 years through 18 years old
  • Horse is currently outside of the US or Canada
  • Horse has any pre-existing conditions or has had any significant health issues over the past 5 years. 

Download Vet Certification

DOH - Declaration of Health form - This is for clients that are either increasing the value of a horse or adding major medical/surgical coverage to their policy mid-term.

Download Declaration of Health Form

JOV - Justification of Value form - Required if the value requested is greater than the original purchase price of the horse and/or the horse has been owned form more than 2 years. 

Download Justification of Value Form
JOV Leased Horses - This is to be completed for any horse being leased to or by someone.

Download Justification of Leased Horses Form