|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.