American Equine Accident, Sickness & Disease Infertility Endorsement

American Equine’s Accident, Sickness, and Disease Stallion Infertility Endorsement adds infertility-style protection for an insured breeding stallion. It can pay if an accident, sickness, or disease permanently impairs the stallion’s breeding ability during the policy term—without requiring the horse’s death or humane destruction.

What’s Covered

Coverage applies when all of the following occur:

• An accident, sickness, or disease causes the condition (the “incident”), and the date of incident falls during the coverage period.
• You report the condition during the coverage period.
• A licensed veterinarian appointed by the insurer determines—during the coverage period—that, as a direct result of the incident, the stallion is totally and permanently:
  • impotent, or
  • infertile, or
  • unable to settle/service mares.

What’s Not Covered

This endorsement does not apply when:

• The incident occurs outside the coverage period.
• You do not report the condition during the coverage period.
• The stallion is not totally and permanently impotent/infertile/unable to settle/service mares.
• The loss requires humane destruction (mortality coverage may apply instead, depending on the facts).
• The horse is not an insured breeding stallion as scheduled.

Reporting Rules

• Report the condition during the coverage period (this timing is required for coverage).
• If you and the insurer disagree about whether the stallion has a total and permanent breeding impairment, the policy uses a veterinary referral process:
  • At the earlier of 3 months from the date of incident or the end of the policy period, the matter goes to a mutually agreed licensed veterinarian.
  • That veterinarian may set an observation period, but must issue a final decision before the policy period ends.
  • The veterinarian’s decision is final and binding.

How Claims Are Paid

• The policy pays the lesser of:
  • the stallion’s value on the date of incident, or
  • the limit of insurance shown on the Schedule (including endorsements).
• If the claim is paid, the insurer may either:
  • take title and possession of the stallion (and related papers), or
  • let you keep the stallion and subtract the residual fair market value from the payment.
• You may withdraw the claim at any time and keep title and possession.

Practical Summary

Think of this as breeding-use protection for a stallion if an accident, sickness, or disease permanently prevents him from breeding—even though he stays alive and does not need humane destruction. You must report the condition during the policy term, and your veterinarian must clearly determine that the impairment is total and permanent. If the insurer pays a claim, you either transfer the stallion (and papers) to the insurer or keep him and accept a payment reduced by his residual value.