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Below are some common questions we receive from customers. Don't see your question? No worries at all - simply scroll to the bottom and ask us!
It’s important to choose a policy that takes into consideration every possible liability. Learn more about our Commercial Equine Liability policy coverages by contacting a rep, or requesting a quote.
You might consider an all-in-one package that covers you completely. Our Horse Farm package can provide complete coverage including property insurance to cover your home and contents, barns, sheds, owned machinery, equipment, tack and livestock. Liability insurance is also included in our package to cover your home and horse operation, on and off premises. Our farm hosts horse shows and other horse-related events.
You would need a Private Horse Owner Liability policy that protects you against legal claims, whether an incident occurs on or off your property.
No, most equine insurance policies do not cover alternative therapies. If you have a question about a specific treatment you are considering, please contact our office.
Owning a horse is a financial investment you can afford to protect. Learn more about our All Risk Mortality & Theft coverage.
No, and that is why it is important to read and understand your policy. One significant difference between mortality policies is agreed value versus fair market value or actual cash value coverage. Agreed value means that the insurer will pay the value of the horse that is stated on the policy, provided the information is accurate. Market or cash value means that the insurer will pay the value of the horse at the time of its death or the value at the time when the disease or illness resulting in its death is manifested. If the horse’s value has decreased due to an illness or injury or if its value was overstated when it was originally insured, the insurer will pay the lesser of the value stated on the policy and the current market value. Mortality policies include agreed value coverage. It is important that the purchase price, stud fee and show records provided to the agent/insurer are accurately documented.
Tack may be covered on a farm policy. However, in some states coverage may be added to your Mortality policy. Please contact your insurance representative for more information.
Yes, with the exception of navicular syndrome, arthritis, and degenerative joint disease. Also, we do not pay for injections of synovial fluid stimulators and/or replacers including, but not limited to, corticosteroids, Adequan, Hyaluronic Acid, Legend and any associated/related treatments.
Yes, we pay either a percentage or a sublimit of diagnostics for covered conditions. Refer to your individual policy.
Yes. The policy does cover medications. Some medications and/or treatments must have certain veterinary diagnostic tests done in order to be eligible for coverage (Ex. Gastrogard, Marquis). Please contact us if you have any specific questions about the condition for which your horse may be tested or treated.
Yes. Most of our equine policies have medical/surgical endorsements available. Learn more about optional coverages that can be added to your horse mortality policy.
Information provided from the declaration of health, vet certificate, and claim history is used by the insurer to evaluate any pre-existing health conditions of the horse. We require additional information from the insured or their veterinarian before deciding if colic is covered or if pre-existing exclusion is required. Based on circumstances, the exclusion may be reviewed during the policy period or at the policy expiration.
No. Your Medical/Surgical coverage extends for a period of 90 days past the policy’s expiration date for conditions that onset during the policy period AND that are reported as required by the policy. Therefore, coverage for related treatment will extend for an additional 90 days. Any covered charges will be paid up to the limits of the expiring policy.
The bills should be directed to you. You may have a deductible or co-pay that is your responsibility, or the bill may include charges that the policy does not cover. Payments for covered charges will be issued promptly in the name of the policyholder.