Coverage depends on age, breed, use, and health history. Each horse is evaluated individually to determine eligibility and appropriate coverage options.

Some coverages require a current veterinary exam, especially for higher-value horses. This helps establish the horse's health baseline and supports accurate valuation.

Insured value must be supported by purchase price, training, performance record, or breeding value. Documentation helps substantiate a higher declared value.

Colic-related treatment may be eligible, but surgery typically requires specific colic or surgical coverage. Reviewing your policy details ensures you understand what is and isn't included.

Loss of Use coverage may apply if policy requirements are met. This coverage is designed for horses whose injury or illness permanently prevents them from performing their insured use.

Non-equine coverage is placed through Specialty Risk Insurance. We're happy to connect you with the right resources for coverage outside of equine.