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Equine Animal Mortality Insurance

Protection for
the Life and Health
of Your Horse

Whether for work, breeding, show or pleasure, horses are a substantial investment worth protecting. With so much at risk, you need equine insurance that covers the unique perils that horses face. Whether you own one horse or a barn full, you can put your trust in The Hartford’s equine animal mortality insurance.

Specialized Equine Insurance Coverages

The Hartford’s equine mortality insurance offers comprehensive coverage for the particular perils that horses face, with options that allow you to tailor your policy to your unique needs.

Coverage

Description
Animal Mortality Coverage Death coverage on a broad perils basis, including accident, injury, sickness and disease. Theft is also covered.
Animal Mortality Limited Coverage Coverage for death resulting from a listed covered cause of loss including fire, lightning, windstorm, hail, collision or upset while in transit, accidental shooting, drowning and more. Theft is also covered.
Emergency Colic Surgery Expense Coverage Coverage for emergency colic surgery expenses as an endorsement to the Animal Mortality Coverage at no additional cost.
Major Medical Expense Coverage For veterinary medical and surgical expenses incurred for a covered horse as a result of a covered accident, injury, sickness, or disease. Various limit of insurance options are available.
Surgical Expense Coverage Covers up to $5,000 of surgical expenses incurred to save the life of a covered horse when the surgery is required as a direct result of a covered accident, injury, sickness, or disease.
Loss of Use Coverage Provides coverage for a covered horse that becomes unfit for its first Use specified in the policy due to a covered accident, injury, sickness, or disease. A limited Loss of Use option covering only accident or injury is also available.
Accident, Sickness and Disease Coverage Offers protection for a covered stallion that becomes incapable of stud service due to covered infertility, impotence, accident, injury, sickness, or disease.
Coverage Extension Newly Purchased Animal Provides coverage for newly purchased horses.
Increased Mare Valuation Increases the limit of insurance on a specifically-listed mare to include the cost of the stud fee/embryo for a specified pregnancy.

 

Dedicated Service from Equine Mortality Underwriters and In-House Claim Adjusters

The Hartford’s dedicated equine underwriters have an average of 20 years of experience in the equine industry. We also staff a full-service, in-house claims department capable of handling your claims from start to finish. When you talk to a Hartford livestock claim adjuster, you are talking to a Hartford employee with the authority to make decisions.

All coverages and services may not be available in all jurisdictions. For details on what coverages and services are available to you, contact your Hartford Livestock Agent today.

This page outlines in general terms the coverages and services that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations, or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc.