Horse mortality insurance coverages

Markel Specialty creates tailor made insurance solutions that best fit your needs.

When purchasing horse mortality insurance, you know what you need . . . and Markel Specialty gives you choices. Our policies are agreed value, which means, at the time of a loss, we will pay the value of the horse that is stated on the policy.

All risk mortality and theft
This comprehensive policy reimburses you for the death, theft, or humane destruction of your covered horse, including illness or disease.

Specified perils coverage
Also known as "Named Perils" or "Restricted Perils", specified perils coverage covers your horse for death, theft or humane destruction caused by specified perils listed in the policy, including but not limited to fire, lightning, earthquakes, electrocution, drowning, transit risks and attack by wild animals. Death due to illness or disease is not covered. This coverage is offered on all horses from 24 hours to 25 years of age (inclusive) and no health documents are required to purchase this endorsement.

Optional coverages

Emergency colic surgery expense
Emergency colic surgery covers the cost for emergency colic surgery and is available for horses age 30 days through 18 years, with an insured value of $2,500 or greater and with no prior history of colic/gastrointestinal disturbances.

  • $2,500 limit | $0 deductible | $0 premium (automatically included on eligible policies)
  • $5,000 limit | $0 deductible | $50 premium

Medical/surgical and surgical only
Medical/surgical limit cannot exceed amount of mortality insurance.

Medical/surgical coverage will cover the cost for medical/surgical treatments due to accidents, illness or injury. Available for horses 31 days to 18 years old. To qualify for medical/surgical coverage, the Mortality insured value must be at least 75% of the proven value of the horse. For example, you must purchase at least $7,500 of mortality coverage on a horse purchased for $10,000. Must be approved by an underwriter.

All states (except CA, DC, FL, MD, MO, MT, OH, PA, WA)

  • Option 1-Surgical only: $5,000 limit | $50 deductible | $226 premium
  • Option 2-Surgical only: $10,000 limit | $50 deductible | $301 premium
  • Option 3-Medical/Surgical: $5,000 limit | $375 deductible | 20% co-pay | $407 premium
  • Option 4-Medical/Surgical: $10,000 limit | $500 deductible | 20% co-pay | $517 premium
  • Option 5- Medical/Surgical: $15,000 limit | $1,000 deductible | 20% co-pay | $576 premium

For the states MD, MO, MT, OH, WA only

  • Option 1-Surgical only: $5,000 limit | $50 deductible | $205 premium
  • Option 2-Surgical only: $10,000 limit | $50 deductible | $270 premium
  • Option 3-Medical/Surgical: $5,000 limit | $375 deductible | 20% co-pay | $369 premium
  • Option 4-Medical/Surgical: $10,000 limit | $500 deductible | 20% co-pay | $470 premium
  • Option 5- Medical/Surgical: $15,000 limit | $1,000 deductible | 20% co-pay | $524 premium

For the states CA, DC, PA only

  • Option 1-Surgical only: $5,000 limit | $50 deductible | $186 premium
  • Option 2-Surgical only: $10,000 limit | $50 deductible | $241 premium
  • Option 3-Medical/Surgical: $5,000 limit | $375 deductible | 20% co-pay | $335 premium
  • Option 4-Medical/Surgical: $10,000 limit | $500 deductible | 20% co-pay | $426 premium
  • Option 5- Medical/Surgical: $15,000 limit | $1,000 deductible | 20% co-pay | $475 premium

For the state FL only

  • Option 1-Surgical only: $5,000 limit | $50 deductible | $186 premium
  • Option 2-Medical/Surgical: $5,000 limit | $375 deductible | 20% co-pay | $298 premium
  • Option 3-Medical/Surgical: $10,000 limit | $500 deductible | 20% co-pay | $338 premium
  • Option 4- Medical/Surgical: $15,000 limit | $1,000 deductible | 20% co-pay | $342 premium

Personal horse liability
(Note: not applicable for commercial equine operations)

  • Protects against legal claims should your horse cause bodily injury or property damage to a third party on or off premises even when horse is kept at an independently owned stable. Available for additional premium per horse per year.
  • Option 1-$300,000 limit | $58 premium per horse
  • Option 2-$1,000,000 limit | $85 premium per horse

Limited permanent disability

Stallion infertility due to accident, sickness or disease
Provides coverage should your stallion become totally and permanently impotent, infertile or incapable of serving mares due to an illness or injury. Markel Specialty allows you to retain your horse should we pay a claim. Written documentation confirming the horse has been castrated/gelded, and/or breed registration papers/certification and related documents, are required. This coverage will give you the right to not only retain ownership but return your horse to competition if you wish. A current satisfactory veterinary certificate is always required when purchasing this coverage with reference to the stallions genitalia being satisfactory for breeding, and an additional premium will be payable.

Air transit
Coverage is available for horses up to 30 days while awaiting transit/air transit to the USA and to extend Mortality coverage to include new territorial limits. Full details of the facility and information on who has care, custody and control are required.

Prospective foal
This endorsement covers failure of the prospective foal to be born alive or death of the prospective foal after its birth but prior to the expiration date of coverage. This coverage can only attach at a minimum of 42 days after last service by the stallion; a manual veterinary examination is required on the mare to confirm in foal status and sound health of mare, and ultrasound results must be provided (taken between 30-60 days after last service) providing no evidence of twins.

Please note: All rates and coverages may vary by state.

Get a quote

Get a quote online or contact one of our appointed Markel Specialty agents.