Specialized Equine Insurance Coverages Broken Down

Whether for work, breeding, show or pleasure, horses are a substantial investment worth protecting.

With so much at risk, it is a smart idea to have equine insurance that covers the unique situations that horses face.  Below we have the different types of specialty equine insurance broken down with basic descriptions. Take a look below and see if you are properly covered! If not, remember that we are here for you and your horse. You can contact us at: http://www.equineinsuranceagent.com/ today to see if we are licensed in your state!

Coverage	Description
Animal Mortality Coverage	Death coverage on a broad perils basis, including accident, injury, sickness and disease. Theft is also covered.
Animal Mortality Limited Coverage	Coverage for death resulting from a listed covered cause of loss including fire, lightning, windstorm, hail, collision or upset while in transit, accidental shooting, drowning and more. Theft is also covered.
Emergency Colic Surgery Expense Coverage	Coverage for emergency colic surgery expenses as an endorsement to the Animal Mortality Coverage at no additional cost.
Major Medical Expense Coverage	For veterinary medical and surgical expenses incurred for a covered horse as a result of a covered accident, injury, sickness, or disease. Various limit of insurance options are available.
Surgical Expense Coverage	Covers up to $5,000 of surgical expenses incurred to save the life of a covered horse when the surgery is required as a direct result of a covered accident, injury, sickness, or disease.
Loss of Use Coverage	Provides coverage for a covered horse that becomes unfit for its first Use specified in the policy due to a covered accident, injury, sickness, or disease. A limited Loss of Use option covering only accident or injury is also available.
Accident, Sickness and Disease Coverage	Offers protection for a covered stallion that becomes incapable of stud service due to covered infertility, impotence, accident, injury, sickness, or disease.
Coverage Extension Newly Purchased Animal	Provides coverage for newly purchased horses.
Increased Mare Valuation	Increases the limit of insurance on a specifically-listed mare to include the cost of the stud fee/embryo for a specified pregnancy.

(The above chart is from The Harford.com's equine insurance animal mortality page)