Bill Haughton Equine Insurance
(954) 655-5547

Full Mortality Coverage

Horse mortality insurance or equine mortality insurance can help with the monetary investment in case your horse dies due to an accident, sickness or disease (as with all policies, there are certain exclusions).

To provide a horse insurance mortality quote, we will need to know the breed, age, use, and value of the horse, and the state you live in.                                                                                                                                                       and we will respond to you with a price quote.

Full mortality coverage is "term" coverage. This means that the policy is written for one (1) year  based on the application that was submitted. Unlike auto insurance where the rate may increase if you have claims, the standard rates will apply with possible exclusions for pre-existing conditions.

Your horse can be insured for its fair market value, or less. Fair market value is generally considered to be the amount you could expect to receive if you sold your horse today. With a recent purchase, we would use the purchase price. If you have owned the horse for some time and it has increased in value, you have the option to insure for more than the purchase price (we'll need justification for the increase - race or show records, training costs, breeding records).

Our policies have FREE Colic Surgery coverage for eligible horses (see policy for limits).

The following are optional endorsements that can be added to a standard mortality policy:

You can purchase more than one of the medical coverages to stack limits (increasing your limits). The following is a brief description of endorsements available with our company (these endorsements are added to a mortality policy at an additonal premium and cannot be purchased alone).

                           Colic -coverage for colic treatment and/or surgery
                           Surgical - coverage for required surgeries due to an accident, sickness or disease
                           Major Medical - coverage for treatments and surgeries due to an accident, sickness or disease (including colic)
                           Accident, Sickness & Disease Stallion Infertility - coverage for permanent inability to breed due to an
                           accident, sickness or disease.
                           Loss of Use - coverage for permanent inability to perform the use as stated in the policy.

The endorsements have different deductibles, co-pays, and premiums as well as coverage. We are happy to send a sample endorsement for you to review before you make your final decision.
(Race horses and horses in race training are eligible for the Colic Endorsement only; they cannot have surgical or major medical)

Apply Now
You can call (954) 655-5547 or email [email protected] to get a quote. When you decide to start coverage, we will send the appropriate forms.

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