Mortality optional coverages

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

  • $2,500 limit per horse, per policy term | $0 deductible | $0 premium - automatically included for all eligible horses
  • $5,000 limit per horse, per policy term | $0 deductible | available for additional premium

Medical/Surgical
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. Not available for race horses or horses in race training, and must be approved by an underwriter.

We provide the following limits:
For all states except AK, FL & WA (includes 20% co-pay)

  • $5,000 limit | $375 deductible | additional premium per horse, per year | horse insured value $5,000 or greater
  • $10,000 limit | $500 deductible | additional premium per horse, per year | horse insured value $10,000 or greater

For the states of AK, FL & WA (no co-pay)

  • $5,000 limit | $375 deductible | additional premium per horse, per year | horse insured value $5,000 or greater
  • $10,000 limit | $500 deductible | additional premium per horse, per year | horse insured value $10,000 or greater

Additional limits may be available. Please contact our office at 800-842-5017.

Surgical only (available for all states)

  • $5,000 limit | $50 deductible | additional premium per horse, per year 

Personal horse liability
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.

  • $300,000 limit 
  • $1,000,000 limit 
  • This coverage is not available to individuals involved in commercial equine operations (example: trail rides, riding instruction, race training, commercial breeding, boarding or leasing of horses which you do not own), or if you own more than 10 horses. If you are involved in a commercial operation, please click here for Commercial Equine Liability.

Stallion infertility due to accident, sickness or disease
This endorsement provides coverage should your stallion become totally and permanently impotent, infertile or incapable of serving mares due to an illness or injury. Markel 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.

Limited permanent disability (loss of use)
Provides coverage in an amount of 60% of the sum insured if the horse becomes totally and permanently disabled as the result of a sudden, accidental and external injury and can no longer be used for the use indicated in the policy. Available for Dressage, Hunters, Jumpers, Western Pleasure, Hunter Under Saddle, and Reining horses. Horses must have an insured value of $10,000 or greater. Not available for leased horses.

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.

Specified perils
Also known as "Named Perils" or "Restricted Perils"; this covers your horse for death, theft or humane destruction caused by specified perils listed in the policy, including but not limited to fire and lightning, earthquakes, electrocution, drowning, transit risks and attack by wild animals. It is important to note this policy does not cover your horse for death due to illness or disease, and is thus offered at a lower price than full or all risk mortality insurance. 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.

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