How to Add Medical, Surgical & Loss of Use Coverage to Your Mortality Quote
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?
Answer: This post walks you through adding optional coverages to your full mortality proposals at insureyourhorse.com/quote. f you haven’t yet generated your instant mortality quote, see Part one of this series. Part three explains how to turn your proposal into an active policy.
Coverage Options
Your initial mortality quote includes Full Mortality coverage plus any automatic enhancements offered by each insurer (such as Emergency Colic Surgery and Agreed Value). To customize your proposal further, you can add optional coverages—like Major Medical, Surgical, Stallion Infertility, and Loss of Use—directly from the proposal page.
Just click the “+ Add / Edit Optional Coverages” link beneath the quote for each horse. This takes you to a page where you’ll see all the optional coverages available for that specific horse from that specific company.
NOTE: Only the options listed on this page are available; coverages vary by insurer.
Adding or Changing Optional Coverages
- Select the coverage you want by clicking the corresponding radio button or checkbox.
- As soon as you make a selection, the Quote Summary box on the right will update instantly, showing the revised coverage and total premium for that horse.
- To make changes, simply choose a different option or select None to remove the coverage.
- When you’ve finalized your selections, click Submit at the bottom of the page to return to the mortality proposal. All your changes will appear under that horse’s coverage.
If you’re quoting multiple horses, repeat this process for each one.
Important: Coverage Varies by Company
Because each insurer offers different optional coverages and follows different underwriting guidelines:
- Optional coverages apply only to the horse and company you selected.
- If you have multiple horses, you must add desired coverages to each horse individually.
- t’s a good idea to review the options in all proposal tabs to find the best combination of coverage, terms, and price for your needs.
What’s Next?
In Part 3, we’ll walk through how to convert your customized proposal into a policy and officially insure the horses you’ve quoted.
