• Selected Topic
Horse Health 101 : Horse Health Library : Insuring Horses

Equine Mortality Insurance

Every horse has value and equine mortality insurance protects that value. Though not a pleasant thought, it's important to consider what it would cost to replace your horse if he should die. Are you prepared to pay the cost yourself, or do you need an insurance policy that will help to bear the burden?

Most mortality policies cover virtually any cause of death, including natural occurrences such as colic, as well as fatal injuries resulting from accidents, fire, lightning and other causes. Frequently, humane destruction and theft are also covered. Some policies even protect against freak accidents, like a horse being fatally injured by wild dogs or by falling debris from an airplane. Although age limits vary by provider, full mortality coverage normally is available to horses as young as 24 hours and as old as 17 years. When evaluating a policy, make sure the exclusions are clearly spelled out. A company might be reluctant to pay, for example, if a horse dies due to real or perceived negligence or other human error.

Another consideration in choosing a mortality policy is the amount of coverage you actually need. You can insure up to 100 percent of the value of your horse, but obviously, the more expensive the horse, the higher the premiums will be. Rates depend on several factors, including the horse's current value, age, sex, breed and discipline. For most owners, value is the one variable that is the most difficult to determine. Basically the question you want to answer is "How much would it cost to buy another horse similar to mine?"

Information contained within this website is provided purely for educational purposes. Mid-Rivers Equine Centre assumes no responsibility for any problems associated with content, the reading of content or use of information contained within this web site.