Equine Mortality Insurance

Equine mortality insurance is a type of insurance that provides financial protection in the event of the death of a horse due to covered perils. This type of insurance is designed to cover the cost of the horse in the event of a loss, whether the horse is used for racing, showing, or recreational purposes.

The coverage provided by equine mortality insurance typically includes the following:

1. Mortality coverage: This coverage pays a death benefit to the owner of the horse in the event of the horse's death due to a covered peril. Covered perils typically include accidents, illnesses, and natural disasters.

2. Theft coverage: This coverage pays a benefit to the owner of the horse in the event the horse is stolen.

3. Emergency colic surgery coverage: This coverage provides financial assistance for emergency colic surgery, which is a common and expensive procedure for horses.

Equine mortality insurance policies can be customized to fit the specific needs of the owner, with different coverage amounts and deductibles available. Some policies may also include additional coverage for loss of use or disability.

It is important to note that equine mortality insurance typically does not cover pre-existing conditions or injuries that were present prior to the start of the policy. It is also important to review the specific terms and conditions of the policy before purchasing equine mortality insurance, as certain exclusions and limitations may apply.