aeig_logoCoverage Summary

American Equine Insurance Group, Ltd. (AEIG) is an equine-focused insurance program administrator that has offered a broad range of horse-related coverages for more than four decades. Its equine mortality program is available in the 48 continental United States and the District of Columbia.  Coverage is placed with Argonaut Insurance Company.  Argonaut Insurance Company is rated A- “Excellent” by AM Best, the leading authority for insurer ratings.

Full Mortality covers death resulting from injury, illness, humane destruction, and transportation accidents anywhere in the continental U.S. or Canada. It also includes loss due to theft.  The premium for Full Mortality coverage is calculated as a percentage of the horse’s insured value, which is based on factors such as use, breed, and age.

American Equine’s Full Mortality policy includes up to $3,000 in Emergency Colic Surgery coverage. For horses under age 17, it also includes Guaranteed Extension coverage: if a condition occurs and is reported during the policy period, mortality coverage for that condition will automatically continue for up to 12 months beyond the expiration date, at the originally insured value.

If you have a mortality claim, it will be settled under American Equine’s Value Coverage terms. In other words, as long as the horse’s value at any time during the policy period was equal to the policy limit, the claim is paid at the amount shown in the policy.

Optional Coverages

Several additional coverages are available to enhance your full mortality policy.  Details of each endorsement are available by following one of the links below.

Claims Support

Should you have a claim, our experienced claims personnel are conveniently available 24/7, including holidays.

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This coverage description is for general information only.  Please refer to actual policy wordings for a full explanation of coverage.