Frequently Asked Questions ~ Equine Mortality


Q: How much will it cost to insure my horse?
A: The premium is based on a percentage of the agreed value to be insured and also depends upon the horse's age, breed and discipline. Our rates range from 2.9% to 4.5% depending on the circumstances mentioned above.


Q: What are the age restrictions on mortality insurance?
A: If a horse is over 15 years old, it is considered to beover age. Over age horses may be insurable at higher rates and/or limited coverages.

Q: Under what circumstances will I have to have an exclusion for a pre-existing medical condition?
A: It depends on the severity of the condition. We will review the condition and medical report from your vet with
our vets and make a determination based on the circumstances surrounding the case. In some cases it will be a temporary exclusion and in others it will be permanent.

Q: What is "Agreed Value"?
A: It is the value determined by you and Equisure based on purchase price, show records, training, sibling, Sire, dam and other relevant data. Once agreed to, there are no further questions in the event of a death claim with the exception of questions related to foul play.

Q: Can I increase the value of my horse at a later date?
A: Yes, by providing the proper documentation and show records we will increase the value at any time during the policy period.

Q: What is "Actual Cash Value"?
A: This is the alternative method of insuring a horse. Under this method the insurance company will determine the value at the time of death. There is no guarantee that the amount paid will be the same as indicated on the insurance policy as the amount insured. There is a guarantee that it will not be for more than the amount on the insurance schedule.

Q: What is "All Risk Mortality"?
A: All Risk Mortality (ARM) covers accidental death or death by an illness. We also cover 100% of the value for theft and 100% for a humane destruction.