Instant Online Mortality Quotes – Part 3 of 3 (Buying the Coverage)

Convert Your Quote into a Policy

Question: Now that I have the quote I want to purchase, how do I turn it into an active policy?

Answer: This guide walks you through purchasing the coverages you’ve quoted online at insureyourhorse.com/quote. If you missed them, Part 1 explains how to get an instant mortality quote, and Part 2 covers adding optional enhancements like Medical, Surgical, and Loss of Use.

Step 1: Review Required Application Forms

Once you’ve selected the insurance company and coverages you want, scroll to the “Application Forms Required” section under each horse in your proposal. The forms required vary by horse and insurer, depending on your answers and the optional coverages you’ve selected.

For the first horse, you’ll see a document called “How to Begin Coverage”. It provides an overview of what’s required and how to submit your request. You’ll also find:

• A mortality coverage flyer
• Payment instructions
• Full mortality application (applies to all horses)
• Any health documentation or value support required (specific to that horse)

If you quoted multiple horses, each will have its own list of required documents.

Step 2: Complete and Submit the Forms

Click the form name or icon to open it in a new window. Then:

1. Download the form to your computer.
2. Complete, sign, and save the form using Adobe Acrobat Reader.
3. Email the completed forms to mo*******@*************se.com.

Tip: Completing forms directly in a web browser may erase your entries when saved. For best results, download the forms first.

If you prefer, you can print and fax the completed documents to (866) 207-6953.

Step 3: Pay Your Premium

The final step to bind coverage is payment. Payment methods and options depend on the insurer:

Direct Billing Companies: Four of our partners bill you after the policy is issued, often with installment options:

• Great American: 1 & 2 installments for any premium; 4 installments for premiums ≥ $1,000; 8 installments for premiums > $2,500
• Berkley Equine & Cattle: 1 & 3 installments for any premium; 4 installments for premiums ≥ $1,000; 5 & 6 installments for premiums > $2,500
• American Reliable: 1 & 4 installments for any premium
• American Equine:  1-2 installments for any premium; 3 installments for premiums > $750, 4 & 6 installments for premiums > $1,000 and 8 installments for premiums > $1,500

Equine Insurance Specialists–Handled Payments:

• The Hartford requires full payment upfront.  Pay by electronic check via our online payment portal: www.insureyourhorse.com/customer-payments
• Include “New Policy” or the policy number in the description/invoice field

Step 4: Coverage Confirmation

Once your application (and payment, if applicable) is received:

• During business hours, we’ll contact you promptly to confirm coverage or request additional documentation.
• Outside business hours, you’ll be contacted the next business day.
• A formal binder will be sent within one business day of confirmation.
• The full policy typically arrives within a couple of weeks, with the invoice for any billed premium sent shortly thereafter.

You’re Covered!

Following these steps ensures your horses are protected quickly and efficiently, giving you peace of mind and allowing you to focus on enjoying and caring for your animals.