Equine Mortality Coverage (Broad Form)
This Equine Mortality – Broad Form policy insures your ownership interest in each scheduled horse shown in the Declarations, in exchange for premium and based on the accuracy of the application/health information and compliance with policy terms.
What’s Covered
- Mortality: Death or authorized humane destruction during the policy period (and in some cases up to 120 days after the policy ends if it was a 365-day term and not renewed), when caused by a covered accident/illness first occurring during the policy period and reported during the policy period.
- Theft: Theft during the policy period (or death/humane destruction caused by theft), subject to prompt reporting to the insurer and law enforcement and other theft conditions.
- Wobbler Syndrome (≤ 12 years old): Covered if diagnosed per the policy requirements and conditions are met (including vet documentation and agreement process).
How Losses Are Paid
- Pays the agreed value of your ownership interest (shown in the Declarations), generally as the maximum for each horse unless increased by endorsement.
- Agreed value may be reduced in certain situations (for example, certain claiming/selling race entries, or if your ownership interest decreases).
What’s Not Covered
Common exclusions include:
- Conditions (accident/injury/illness/disease, etc.) that existed before the policy period.
- Intentional/dishonest/criminal acts by insureds/owners or others with care/custody/control.
- Losses tied to government seizure/orders, war/riot/civil commotion, nuclear hazards, and mysterious disappearance/escape (not theft).
Important Requirements
These are “conditions precedent” (missing them can void coverage), including:
- Horse must be in sound health at the start of coverage (and when adding/increasing coverage).
- Horse must stay within the Continental U.S. and Canada unless endorsed otherwise.
- Horse must be used only for the declared purpose, with proper care and attention.
- Immediate veterinary care and notice to the insurer for injury/illness, and required steps after a loss (necropsy/death certificate where applicable; timely proof of loss).
- Restrictions around other insurance and fraud/misrepresentation.
Important: This summary is provided for convenience. Please refer to the actual policy wording for full details and exclusions.
- Great American Equine Mortality Policy – Broad Form (EQUI1013-0709)
Standard Mortality Policy and Automatic Coverages
Optional Coverages Available with Equine Mortality