Optional Coverages
(Note: all rates and coverages may vary by state.)
Emergency Colic Surgery Expense
Emergency Colic Surgery covers the cost for emergency colic surgery and is available for horses age 30 days through 18 years, with an insured value of $2,500 or greater and with no prior history of colic/gastrointestinal disturbances.
- $2,500 limit per horse, per policy term
- $0 deductible
- $0 premium - automatically included for all eligible horses.
Medical/Surgical
Medical/Surgical coverage will cover the cost for medical/surgical treatments due to accidents, illness or injury. Available for horses 31 days to 18 years old. We provide the following limits:
- $5,000 Limit - minimum insured limit of $2,500 per horse required
- $375 deductible
- $279 additional premium per horse, per year
- $10,000 Limit - minimum insured limit of $10,000 per horse required
- $375 deductible
- $389 additional premium per horse, per year
- Additional limits may be available - please contact our office at (800) 842-5017.
Personal Horse Liability
Protects against legal claims should your horse cause bodily injury or property damage to a third party on or off premises even when horse is kept at an independently owned stable.
- $58 per horse - $300,000 limit
- $85 per horse - $1,000,000 limit
- This coverage is not available to individuals involved in commercial equine operations* (example: trail rides, riding instruction, race training, commercial breeding, boarding or leasing of horses which you do not own), or if you own more than 10 horses. If you are involved in a commercial operation, please click here for Commercial Equine Liability information.
Stallion Infertility
Coverage is provided in the event the horse becomes totally and permanently infertile or unable to breed due to accident, sickness, or disease. Contact our office for more information.
Air Transit
Coverage is available for horses up to 30 days while awaiting transit/air transit to the USA and to extend Mortality coverage to include new territorial limits. Full details of the facility and information on who has care, custody and control are required. Contact our office for more information.
Permanent Disability (Loss of Use)
Provides coverage in an amount of 60% of the sum insured for mortality should the horse become permanently disabled and unable to perform the use indicated in the policy. Available for Dressage, Hunters, Jumpers, Western Pleasure, Hunter Under Saddle, and Reining horses. Horses must have an insured value of $10,000 or greater. Not available for leased horses. Contact our office for more information.
Limited Permanent Disability (Loss of Use)
Provides coverage in an amount of 60% of the sum insured if the horse becomes totally and permanently disabled as the result of a sudden, accidental, and external injury, and can no longer be used for the use indicated in the policy. Available for Dressage, Hunters, Jumpers, Western Pleasure, Hunter Under Saddle, and Reining horses. Horses must have an insured value of $10,000 or greater. Not available for leased horses. Contact our office for more information.
Prospective Foal Coverage
This endorsement covers failure of the prospective foal to be born alive or death of the prospective foal after its birth but prior to the expiration date of coverage. This coverage can only attach at a minimum of 42 days after last service by the stallion; a manual veterinary examination is required on the mare to confirm in foal status and sound health of mare, and ultrasound results must be provided (taken between 30-60 days after last service) providing no evidence of twins. Contact our office for more information.