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Mortyality & Major Medical Coverage

Whether you are looking to protect your financial investment or making sure your horse receives the best care in the world, in the event he/she becomes ill or injured Horse Mortality Insurance & Major Medical Insurance is one of the most cost effective ways to achieve both.

A horse is a valuable asset whether owned for pleasure or professional use they require investment and care. Protecting your asset may be costly and can involve more than just feeding, housing and medical attention. If the horse causes property damage or injury, the horse owner is responsible and can be held liable for compensation, if the horse however becomes sick or dies, unexpected medical expenses may arise.


The equine Full Mortality policy is basically life insurance for your horse. It provides coverage in the event the insured horse dies from a covered accident, injury, illness or disease, as well as limited coverage for theft that occurs during the policy period.

What does horse mortality insurance cover?

Somewhat comparable to human life insurance, equine mortality insurance covers death caused by accident, injury, or illness. ... (Horses older than eighteen can be covered with named or specified perils endorsements, which cover death caused by specific listed risks, typically fire, lightning, trailer accident, and theft.)​

Animal Mortality Limited Coverage – Helps cover costs associated with a horse’s death if caused by a listed covered cause of loss including fire, lightning, windstorm, hail, collision or upset while in transit, accidental shooting, drowning, and more. Theft coverage is also included.

Major Medical Expense Coverage (Optional) – Equine Major Medical can be added as an endorsement to Animal Mortality Coverage. It helps cover costs associated with veterinary medical and surgical expenses incurred to treat a horse as a result of a covered accident, injury, sickness or disease. Various limit of insurance options are available.


Loss of Use Insurance. 

Your horse may be eligible for “full loss of use” due to illness or disease as well as an accident. If you opt for this coverage, a full veterinary exam is required plus a loss of use exam which includes radiographs. You must have medical insurance on the horse as a prerequisite for Loss of Use.

Stallion Infertility Insurance.

This policy is very affordable and covers your investment if a purchased stallion is found to be permanently infertile or incapable of being a breeding horse due to an accident, sickness or disease

"Get A Quote"

Download and complete the application below and return it to

Mortality Information and Application pdf

Substantiation of Value pdf

Veterinarian Examination pdf

Standard Equine Mortality Coverage

  • Full reimbursement up to the policy limit for the agreed value of your horse

  • Full reimbursement up to $5,000 for emergency colic surgery at no additional charge

  • Guaranteed renewal of coverage is available

  • 90-day extension of coverage after the policy period for a covered cause of loss occurring and reported during the policy period

  • Coverage provided at 24 hours of age up to 20 years of age

Major Medical and Surgical Coverage

We offer three levels of coverage to ensure your horse receives the best level of care for an injury, sickness, or disease that occurs during the policy period.

  • Flexible limit options of $7,500, $10,000, and $15,000

  • Excess coverage over the colic surgery benefit provided with our standard mortality coverage

  • Deductibles apply and vary based on coverage limits selected

Other Optional Coverages

  • Equine accident and illness coverage – reimbursement up to the $5,000 limit for veterinary fees incurred for diagnostic testing and treatment resulting from an illness, disease, or traumatic accident

  • Surgical only coverage – reimbursement up to the $5,000 limit for a surgical procedure required as a result of an accident, injury, or illness; excess coverage over the colic surgery benefit provided with our standard mortality coverage

  • Equine colic coverage – $5,000 in additional coverage for colic surgery or medical treatment expenses

  • Horseman’s enhancement endorsement – Up to $50,000 in tack coverage and $500 in necropsy/burial expenses

  • Worldwide coverage – extends coverage outside of the United States and Canada coverage territories

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