Month: October 2019

Question:  I’ve just used your website to get a mortality quote.  How do I add coverage options like medical, surgical and loss of use to my quote? 

Answer:  This post describes how to add optional coverages to full mortality proposals at insureyourhorse.com/quote.  For information about obtaining an instant online mortality quote for your horses, refer to Part one of this series. Part three describes how to purchase the coverages that you’ve quoted online.

Coverage Options

The initial quote provided by our site includes Full Mortality coverage and the automatic enhancements (Emergency Colic Surgery, Agreed Value, etc.) for each company quoted.  Optional coverages like Major Medical, Surgical, Stallion Infertility and Loss of Use may be added to your proposal by clicking the “+ Add / Edit Optional Coverages” link underneath the quote for each horse.  Here you may choose from the complete list of enhancements available for your horse from that company.  NOTE: The coverages shown on this page are the only options available for your horse from that company.

Add an optional coverage to your proposal by clicking on the radio button or check box next to the desired coverage.   The “Quote Summary” box on the right side of the page by will immediately update with the added optional coverage and pricing, showing you the total cost for that horse.  To change coverages, simply select a different option from the set or choose the “None” option to remove that coverage from the proposal.  Once the desired coverages have been chosen, click the “Submit” button at the bottom of the page to return to the Mortality Proposal for that company.  The horse you are working with will be updated to include any coverage selected on the previous page.  If multiple horses are being quoted, you’ll need to repeat this process for each horse.

Because the coverage offerings are different from one company to the next, any “Optional Coverage” you select will only apply to that horse and that proposal.  If multiple horses have been quoted, you’ll need to add any desired options to every horse.  Each company’s underwriting guidelines are different, so be sure to check out the optional coverages offered under all the proposal tabs shown in order to make sure that you’ve selected coverage options with the terms and pricing that best suits your needs and budget.

The final post in this series explains the process of converting your proposal to a policy, insuring the horses you’ve just quoted.

Question: I’m interested in equine mortality insurance, but I don’t know how much it will cost.  Is there an easy way to get a mortality quote right now without having to wait for someone to get back to me?

Answer: Whether you own or lease your horse, have a horse on trial or plan to import a horse from outside of the US, it’s never been easier to determine the cost to insure your horse.  There’s no need to submit your information online, only to learn that you now need to wait for someone to get back to you.  Equine Insurance Specialists is the only place on the web that offers instant online mortality quotes from multiple insurance companies.  After entering some basic information about you and your horse on our site, just click the “Next Step” button at the bottom of the page, you’ll instantly receive mortality quotes from up to five different insurance companies.  Here’s how it works:

Enter Your Information

Visit www.insureyourhorse.com/quote and enter some basic information about you and your horse.

• Your horse’s name.
• Your state of residence.
• Horse’s breed, age and sex.
• Desired mortality insurance limit.
• Primary use (select all that apply).
• Additional information applicable to this horse (select all that apply):
  • Sum insured is greater than purchase price.
  • Prior claim, injury or illness within the last 12 months?
  • Purchased within the last 30 days?
  • Currently insured with another company.

Verify that all the information entered is accurate and click the “Next Step” button to receive proposals from up to five different insurance companies.  You can view the various proposals by clicking on each of the insurance company tabs at the top of the proposal section.  The green tab is the current proposal displayed, and the tabs shown in gray are your other proposals.  Not all companies are able to insure every horse.  If the proposal page shows fewer than five tabs, then the State of Residence / Age / Breed / Use or Value that you entered has disqualified one or more companies from offering a quote.

Multiple Horses

To add additional horses, click the “+ Add Another Horse” link on the proposal page.  The data entry page will be the almost same as before, just without the State of Residence.   Verify that all the information entered for each subsequent horse is accurate and click the “Next Step” button.  There’s no limit to the number of horses that may be added to a proposal.

The second post in this series describes the process for adding optional coverages like Medical, Surgical and Loss of Use to your proposal.