Territorial Limits Including Transit Endorsement
If your horse travels beyond the standard policy territory, the Territorial Limits Including Transit Endorsement helps keep your mortality protection in place while you’re abroad. It’s designed for owners who ship horses internationally for sales, competition, training, breeding, or extended stays—and want coverage to follow the horse.
This endorsement expands the policy’s territory to include a defined list of countries, including Austria, Australia, Belgium, Denmark, France, Germany, Iceland, Ireland, Italy, Luxembourg, The Netherlands, New Zealand, Norway, Portugal, Spain, Sweden, Switzerland, and the United Kingdom. Think of that country list as the built-in “coverage sub-limit”: coverage applies in those locations (and only those locations) when you’ve scheduled the horse and paid the additional premium.
A few important guardrails apply. The endorsement ends automatically if the horse’s underlying mortality coverage expires, cancels, or is deleted (unless you reinstate or restore it). Once transit begins, the endorsement premium becomes fully earned, and the endorsement won’t cover losses that result directly or indirectly from quarantine rejection, restrictions, or requirements.
Additional Details
This endorsement extends the policy’s territorial limits for a scheduled horse when you pay the additional premium. It’s designed for owners who need mortality coverage to follow their horse internationally, including while traveling. You can purchase this coverage for one-way travel (such as importing a horse purchased overseas) or choose round-trip protection for travel to and from your destination.
What’s Covered
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Extends territorial limits to include the following countries: Austria, Australia, Belgium, Denmark, France, Germany, Iceland, Ireland, Italy, Luxembourg, The Netherlands, New Zealand, Norway, Portugal, Spain, Sweden, Switzerland, and the United Kingdom.
Additional Conditions
- If the horse’s mortality coverage expires, is cancelled, or is deleted, this extended territorial coverage ends automatically unless you reinstate or restore the underlying mortality coverage.
- This endorsement does not apply to coverage under the Equine Third Party Liability Endorsement (EMP 214).
- The premium for this endorsement is fully earned once transit begins.
Exclusions
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No coverage for loss that results directly or indirectly from quarantine rejection, or from quarantine-related restrictions or requirements.
Practical Summary
Use this endorsement when your horse will travel or stay outside the usual territory and you want mortality coverage to continue in the listed countries. Make sure the horse remains insured under the underlying mortality policy for the entire trip, and remember that once travel starts, the endorsement premium is non-refundable.
Important: This summary is provided for convenience. Please refer to the actual policy wording for full details and exclusions.
- American Equine Territorial Limits Including Transit Coverage (EMP2040516)
Standard Mortality Policy and Automatic Coverages