great_american_insurance_group_logoCoverage Summary

The Full Mortality policy is an “all-risk” policy that covers death as a result of injury, illness, transportation accidents and humane destruction in the Continental US and Canada, and also includes loss or death as a result of theft.

If your insured horse dies, you will be paid the Agreed Value of your ownership interest in that horse as specified on the policy declarations.  This amount will automatically be reduced if the horse has been entered into a claiming, selling or combination race and the lowest amount for which your ownership interest in that horse could be claimed or sold in that race is less than the agreed value of your ownership interest in that horse as specified on the policy declarations.

$3,500 Free Colic Surgery:  Great American’s full mortality coverage includes coverage for reimbursement of up to $3,500 for reasonable and customary veterinary fees incurred for colic surgery provided by a qualified veterinarian.  The coverage for colic surgery is primary to any other collectible insurance.  This limit applies per horse per Policy Period.

Guaranteed Renewal:  Renewal of the Full Mortality policy is guaranteed for 12 months upon policy expiration.  If there was an injury, illness or disease during the expiring policy period, the insurance company will not reduce the Full Mortality limit at renewal, unless you request a reduction.

Optional Coverages

The following enhancements are offered in conjunction with Great American’s full mortality coverage.


Great American makes experienced specialists available around the clock to respond to claims. Located throughout Great American’s nationwide claims network, these specialists ensure that its customers receive courteous service and prompt claims payment.

The coverage described above is placed with the Great American Group of Insurance Companies.  Great American and its affiliated companies are multi-line insurance companies licensed on an admitted basis in the 48 Continental states.  Great American is rated A+ (Superior) by A.M. Best Co., an independent rating firm that grades insurance company strength by their selection of risk, business portfolio and financial stability.

Get more information

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


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