Equine Mortality Insurance and Why You Need It
Equine mortality insurance is like life insurance for your horse, with the owner as the beneficiary. When considering the purchase price; upkeep costs; exercise, training, and showing expenses; veterinary expenses; and the hours of time and energy spent with them and for them, horse ownership is a substantial investment worth protecting. The cost of insurance becomes less significant when compared to that total.
Horses are one of the greatest examples of Murphy’s law: they can find a problem in the best of circumstances. Mortality insurance covers horses from most all causes of death: whether it be by accident, disease, or humane destruction by a veterinarian. Coverage is for the replacement value of the horse, which is established when the policy is initially written or later renewed.
The standard mortality policy also covers the theft of the insured horse and offers colic surgery coverage up to 60% of the covered value of the horse or a maximum of $3000.00. Additional endorsements to mortality policies are Major Medical and Surgery protection.
While the basic coverages are similar, there are variations between insurance companies when it comes to the details in the fine print. Every horse owner is looking for and needs certain particulars, and we can find the proper match for our clients with comprehensive insurance solutions to cover horses from the hazards they may encounter. Protection against horse mortality by an equine insurance company with a strong financial background as well as being an established equine enterprise is the key. We have lots of options, let’s talk.