Insurance made simple,
coverage made strong.
Coverage options vary based on a horse’s age, breed, use, and insured value. We’ll help you find the right fit.
Coverage options
What we offer
Full Mortality
Including Theft
Full Mortality insurance reimburses the insured value of your horse in the event of a covered loss and includes theft. This coverage is typically required before adding medical or surgical options — making it the cornerstone of any equine policy.
Major Medical Coverage
Helps offset eligible veterinary costs resulting from illness or injury. Available at multiple limits to match your horse's value.
Surgical Coverage
Covers eligible surgical procedures including related hospitalization and anesthesia — so an unexpected surgery doesn't become an impossible decision.
Emergency Colic Surgery
Colic is one of the most common and costly equine emergencies. Helps with eligible expenses related to colic surgery and associated care.
Loss of Use
May apply if a horse becomes permanently unable to perform its insured use due to a covered condition. Designed for performance and competition horses.
Stallion AS&D (Infertility)
Protects breeding value if a stallion becomes infertile due to a covered cause. Essential for horses whose value is tied to reproductive performance.
Mares & Foals / Breeding Options
Coverage for breeding-specific risks.
Availability varies by underwriting guidelines.
Guaranteed Extension Endorsement
Extends your policy coverage period with guaranteed terms — giving you timing control when it matters most.
Agreed Value Endorsement
Lock in a documented, agreed-upon value for your horse — removing uncertainty at claim time.
Group & Transit Options
Group Deductible Plans and International Transit (Worldwide Coverage) for multi-horse operations and traveling horses.
Need non-equine coverage?
Coverage for show cattle, exotic animals, and non-equine risks is available through our affiliated partner, Specialty Risk Insurance.
Not all coverages are available to all breeds and/or uses. Policy terms, conditions, and exclusions apply.