Mortality
Can you insure your horse? YES!
You have made an investment in your horse - emotionally and monetarily.
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, value of the horse,
and state you live in.
Submit this information in an email and we will respond to you
with a price quote. Providing the state you live in will allow us to
quote with more than company when available.
Full mortality coverage is "term" coverage. This means that the
policy is written for one (1) year
Susan Strawser
based on the application that was submitted. When the policy comes up for
renewal, the underwriter will evaluate the health and insured value of the
horse and advise us of their terms of renewal. If the horse has had any
health problems in the past 12 months, exclusions may apply to the new
policy term.
Unlike auto insurance where the rate may increase if you have claims, the
standard rates will apply with possible exclusions for the reported
condition. It is your responsibility to disclose all accidents, sicknesses, diseases,
surgeries or injuries.
The following are optional endorsements that can be added to any standard
mortality policy:
Major Medical (Equine Medical Insurance)
This coverage will protect you from incurring unforeseen expenses should
your horse require medical attention (treatments and surgeries) other than
routine care. A small deductible applies to each major medical claim.
Major Medical (equine health insurance) is not available for horses
that are racing or over the age of 15 years or under the age of 31 days
Surgical
The Surgical endorsement provides coverage for surgical procedures required
as a result of an injury or illness and that are performed under a general
anesthesia at a veterinary clinic or hospital up to the surgical limit of
your policy. A small deductible applies to each surgical claim.
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, that would generally
be 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.
If your horse is valued at $50,000 or less, has no record of health problems
in the past year, and is over 30 days old, you may complete the Application
and statement of condition form (in lieu of a vet certificate).
If your horse is valued over $50,000, has a history of health problems,
or is under 31 days, we will need a Application
and vet certificate along with the application.
Loss of Use
Permanent inability to perform the use of the insured animal as stated on
the policy.
Loss of Use coverage always requires a vet certificate and additional forms
(please call to discuss).
Apply Now
Simply complete the appropriate forms above and submit them via fax, mail,
or email to:
Fry's Equine Insurance
P.O. Box 820,
Grove City, OH 43123
Phone: 800-842-9021
Fax: 614-875-1549
Email: info@frysequineinsurance.com
Our lead company for equine mortality insurance and equine health insurance
is Great American Insurance Co. Great American insurance policies offer
outstanding claim service. We have received numerous compliments regarding
the handling and payment of claims. Please feel free to contact us for references.