Equine Insurance

Riding Horse

Equine Mortality is a life insurance policy for your horse, which will pay you in the event an accident, disease, or illness causes his death. It is an "All-Risk" policy, which will pay you for death by any cause, including theft, subject to certain exclusions which are listed in your insurance policy. Equine Mortality is the "core" of your insurance policy, with medical endorsements coming secondary.

As an addendum to their mortality coverage, Great American is now offering a FREE $3,500 emergency colic surgery coverage endorsement to all qualified horses written through their company. That means in the event your horse needs colic surgery, Great American will cover up to $3,500 of the reasonable costs incurred, at no additional premium to you.

Major Medical is medical insurance for your horse. It helps cover veterinarian expenses incurred from accidents, surgery, illness, and disease. Great American offers two types of Major Medical endorsements; a $15,000 annual limit valued at $675 per year, and a $10,000 annual limit valued at $475 per year. Both endorsements carry a $500 deductible per claim. Some exclusions apply. See chart below.

Surgical coverage covers up to $10,000 of surgical-related expenses incurred annually. The cost is $150 per year, and carries a $250 deductible per claim plus a 30% coinsurance. Some examples of covered expenses would be hospitalization, surgery costs, medication, and anesthesia. Some exclusions apply. See chart below.

Colic coverage covers up to $10,000 of colic-related expenses incurred annually. The cost is $150 per year, and carries a $250 deductible per claim plus a 30% coinsurance. The colic endorsement covers for colic treatment as well as colic surgery. See chart below.

Loss of Use coverage reimburses you in the event your horse suffers an accident, injury, or illness and your horse becomes permanently unfit for use at its prior level. It is only available to a select group of horses and carries an additional premium.

Transit coverage is available by endorsement to horses traveling by air to Europe and abroad. Cost varies by destination; some exclusions apply.

We also offer a variety of different coverages such as pro-foal, barreness, and stallion availability policies. Please contact us to learn more!