Equine coverage
Equine Mortality Insurance
Life cover for your horse, with medical, surgical, and loss of use when you need them. Compare up to five carriers in one short form.
Equine mortality insurance works like life insurance for your horse. It pays the insured value if your horse dies from accident, injury, illness, or humane destruction. For most owners it is the policy everything else builds on.
You set the insured value off the purchase price or a vet appraisal, then add the coverages that match how you ride. We pull terms from several carriers so you see the real spread before you commit.
What a mortality policy covers
Equine Mortality Insurance at a glance.
Full mortality
Pays the insured value if your horse dies from accident, illness, injury, or humane destruction.
Major medical
Helps with diagnostics, treatment, and vet bills for illness and injury, usually with annual limits you choose.
Surgical
Covers colic surgery and other procedures when you would rather not carry full medical.
Loss of use
Pays out when an injury ends your horse’s career but not its life. Common for show and breeding stock.
Emergency colic allowance
Several carriers fold in a colic surgery allowance at no extra premium. We point out who does.
Who should carry it
- Show and competition horses with real replacement cost
- Breeding stock and started prospects
- Any horse worth more than you would want to absorb out of pocket
- Owners financing a purchase, where a lender requires coverage
Good to know before you quote
How value is set
Purchase price sets the value for most horses. Above a carrier threshold, a bill of sale, breeding record, or appraisal backs it up.
Vet exam
Lower-value horses often bind with a health statement. Higher values may need a current vet exam, sometimes blood work.
What it runs
Mortality usually costs about 2.9% to 4% of the insured value per year, so a $10,000 horse often lands near $300 to $400.
Start your quote
Tell us about your horse.
A few details is all it takes. We pull terms from up to five carriers and walk you through what fits. No cost, no obligation, no call-center runaround.
- 1 You share the basics below
- 2 We compare carriers for your horse and use
- 3 You pick the policy and we bind it
Rather talk it through? Call (800) 555-0143, option 3 for a specialist.
Straight answers
Mortality & Medical questions, answered.
How much does equine mortality insurance cost?
Plan on roughly 2.9% to 4% of the insured value each year. A horse insured for $10,000 commonly runs $300 to $400, and adding medical or surgical raises it from there.
What counts as a covered death?
Death from accident, injury, illness, or humane destruction on a vet’s recommendation is covered. Carriers expect you to call them and the vet before a horse is put down except in a clear emergency.
Do I need a vet exam to insure my horse?
Not always. Many horses bind with a health statement. Once the insured value passes a carrier’s threshold, a current exam and sometimes blood work are required.
What is the difference between medical and surgical?
Major Medical helps with a wide range of vet bills up to an annual limit. Surgical is narrower and cheaper, covering operations like colic surgery but not general treatment.