Guaranteed Renewal Endorsement
This endorsement guarantees renewal of the mortality coverage for one additional 365-day term when specific conditions are met. It applies only to horses aged 15 or younger at the end of the policy period.
What’s Covered
- Guaranteed renewal of Mortality coverage for an additional 12 months.
- Applies when the horse sustains a new accident, injury, lameness condition, illness, or disease during the existing policy term and that condition is reported before expiration.
- Renewed coverage retains the same agreed value unless ownership interest has changed.
What’s Not Covered
- No guaranteed renewal if the policy is canceled for non-payment.
- Does not apply to any coverage other than Mortality.
- No renewal if the condition was undisclosed or pre-existed the policy’s start date.
- No renewal for horses older than 15 years at the end of the policy period.
Important Requirements
- You must immediately report every accident, injury, illness, or lameness during the policy period.
- All required veterinary certificates or renewal documents must be submitted before expiration.
- The horse must remain continuously insured for Mortality throughout the term.
- Renewal premiums must be paid when due.
Important: This summary is provided for convenience. Please refer to the actual policy wording for full details and exclusions.
- American Reliable Guaranteed Renewal Endorsement (A8869E0915)
Standard Mortality Policy and Automatic Coverages
Other Optional Coverages Available with Equine Mortality Coverage