Hauling horses should require trip transport coverage

Transporting your horse can be dangerous, whether your horse is going from one state to another or from one country to another by truck or by airplane. Equine Trip Transport Insurance — only available for international travel — covers against the financial loss of the established value of the horse if it were to die while being transported. Simply, it is life insurance for the insured horse while it is in transit.

Trip Transit Insurance is written to cover a specific single shipment of a horse internationally. It is available as a separate policy, going into effect when the horse is initially loaded at the start of the trip and ends when the horse is unloaded at the final destination. This type of insurance may be purchased for “Full Mortality” due to Illness, Disease and Accidental Death during the transit period. Or, it may be purchased as a “Basic Perils” policy which insures against loss caused by specific accidental causes, including collision, derailment, or overturn of certain conveyances.

Transit Insurance is written as an endorsement to cover all shipments of a horse during the term of the mortality policy. International Air Transportation Insurance is a form of Transit Insurance as an endorsement to a full mortality policy for coverage to specifically include international air transportation.

Territorial Limits Including Transit Insurance or European Extension is an endorsement to a full mortality policy to include coverage for your horse’s stay in specified territories outside the continental US and Canada. A basic mortality policy does not cover a horse while the horse is in another country, unless an endorsement has been added to the policy

Travel insurance must be arranged prior to a horse starting its trip. Horses already in transit cannot be insured.