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Mortality Insurance Coverage for Horses
Equine mortality insurance helps protect you from financial loss if your horse dies unexpectedly. You can insure a horse you own—or one you lease—based on its actual value (or a lower value if you prefer). The two primary coverage options are Full Mortality and Named Perils, which differ mainly in what causes of loss are covered.
Full Mortality (“All Risk”)
Full Mortality—often called all-risk coverage—insures against death from any cause not specifically excluded by the policy. Coverage can be written on either an agreed value or fair market value basis. Most full mortality policies include some level of emergency colic surgery coverage, and you may be able to add options such as major medical, surgical, loss of use, and stallion permanent disability (where available).
Eligibility is based on the horse meeting certain age and health requirements.
Named Perils (Accidental Death)
A Named Perils policy covers only the specific causes of loss listed in the coverage form. It is more limited than full mortality and typically covers accidental death only—death caused by illness or a medical condition (such as colic) is not covered. Named Perils is often used for older horses (typically over age 18–20), for larger groups of animals on one policy, or when the cost of full mortality coverage isn’t economically practical.
Choose the program that fits your needs
Equine Insurance Specialists offers mortality insurance through several programs so you can select the coverage and carrier that best match your situation. Use the links below to learn more about each available program.
Featured Programs
American Reliable — Written on an admitted basis in forty-eight states and the District of Columbia through American Reliable Insurance Company.
Great American — Written on an admitted basis in forty-eight states and the District of Columbia through member companies of Great American Financial Group, Inc.
American Equine Insurance Group, Ltd. — Written on an admitted basis in forty-eight states and the District of Columbia through Argonaut Insurance Company.
Berkley Equine & Cattle (StarNet) — Written on an admitted basis in forty-eight states and the District of Columbia through member companies of the W.R. Berkley Corporation.
The Hartford — Written on an admitted basis in forty-eight states and the District of Columbia through member companies of Hartford Financial Services Group, Inc.
A quick note before you choose
Coverage forms can vary significantly by carrier. Before selecting an option, please review the full policy form to confirm it matches your needs. If you have questions about any program, we’re happy to help you compare them and understand the differences.