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FULL ANIMAL MORTALITY is an annual term life insurance policy. The policy is designed to protect your financial investment or fair market value of your animal should your insured animal die due to an accident, illness or disease during the term of the policy. Coverage is extended a further 12 months for illness or injury reported during the previous coverage period. Theft coverage is included and some policies may also include coverage for colic surgery expense reimbursement.

SPECIFIED AND OPTIONAL PERILS is an annual term life insurance policy that covers the death of your animal due to only the perils named such as fire, lightning, collision during the course of transportation, electrical shock, etc.

MAJOR MEDICAL is an optional coverage that can be added to the Mortality policy at an additional charge. This coverage is designed to provide you with reimbursement of certain medical and/or surgical expenses you incur when your insured animal requires other than routine veterinary care.

SURGICAL is an optional coverage that can be added to the Mortality policy at an additional charge. This coverage is designed to provide you with reimbursement of certain surgical expenses you incur when your insured animal requires other than routine surgery.

LOSS OF USE is an optional coverage that can be added to the Mortality at an additional charge. This coverage is designed to protect you in the event your show horse becomes permanently incapacitated due to an insured risk.

STALLION INFERTILITY is an optional coverage that can be added to the Mortality policy covering your breeding stallion. This coverage is designed to protect you in the event your breeding stallion becomes permanently infertile due to an accident, illness or disease.

PROSPECTIVE FOAL is coverage designed to cover Thoroughbred foals in utero.

The information provided here is a brief description of these popular coverages. Coverage is available in most states and for most breeds and uses. For exact terms, conditions and exclusions, speak with one of our representatives. We will help you design a policy that best suits your needs and budget.