Equine Mortality and Theft


This is the basis of most equine insurance policies. It is an all-risk mortality and theft policy.


Covers you for death or humane destruction of your horse caused by accident, illness, or disease occurring during the policy period. In most cases, guaranteed renewal and a $5,000 emergency colic surgery expense is included for horses 24 hours through 18 years old.


In most cases, a vet check is required on horses less than 45 days old and horses over 16 years of age.


The premium is based on horse value. The value is multiplied by the insurance rate, usually between 3.0% and 10.5% (based on age and use).


  1. You have a 9-year-old calf roping horse insured for $15,000. He is turned out with some other horses and breaks his leg. The vet says he has to be put down and he euthanizes the horse. Your policy pays you $15,000.
  2. You have a 4-year-old barrel futurity horse insured for $30,000. The horse colics and after an unsuccessful attempt at surgery, dies. The vet bill is $4,000. Your mortality policy pays you $30,000 for the value of your horse, and the included emergency colic surgery endorsement reimburses you up to a maximum of $5,000 of covered charges for surgical and miscellaneous extras.

Examples are for information purposes only.
Every case is unique. Contact an agent for details.
(877) 569-8960.

Optional Coverages you can add to this policy:
– Major Medical Endorsement