Equine Insurance

Mortality Coverage

Have you invested time or money in your horse? The

financial investment in your horse is too important to go

unprotected. Markel's All Risk Mortality and Theft

coverage will reimburse you for the death, theft or

humane destruction of a covered horse. Our mortality

coverage is simple, affordable and easy to obtain.

Standard All Risk Mortality & Theft

If the Hassle Free Mortality program does not apply to your horse, our Standard All Risk Mortality & Theft policy

provides the same coverage at an affordable price.

Highlights:

·  Affordable premiums

·  Agreed value settlement (except racehorses)

·  90 day extension clause

·  Guaranteed renewal coverage added at no additional charge (except racehorses)

·  24 hour claims service

Optional Coverages

Emergency Colic Surgery Expense
Emergency colic surgery covers the cost for emergency colic surgery and is available for horses age 30 days through 18 years, with an insured value of $2,500 or greater and with no prior history of colic/gastrointestinal disturbances. / Benefits
- $2,500 limit per horse, per policy term
- $0 deductible
- $0 premium - automatically included for all eligible
horses.
Medical/Surgical
Medical/Surgical coverage will cover the cost for medical/surgical treatments due to accidents, illness or injury. Available for horses 31 days to 18 years old. To qualify for Medical/Surgical coverage, the Mortality insured value must be at least 75% of the proven value of the horse. For example, you must purchase at least $7,500 of mortality coverage, on a horse purchased for $10,000. Rates may vary by state and coverage restrictions may apply. Not available for race horses or horses in race training and must be approved by an Underwriter. / Benefits
$5,000 limit
$322 additional premium per horse, per year
$375 deductible
Horse insured value $5,000 or greater / Benefits
$10,000 limit
$409 additional premium per horse, per year
$500 deductible
Horse insured value $10,000 or greater

Optional Coverages (continued)

Personal Horse Liability

Protects against legal claims should your horse cause bodily injury or property damage to a third party on or off premises even when horse is kept at an independently owned stable.

·  $58 per horse- $300,000 limit

·  $85 per horse- $1,000,000 limit

This coverage is not available to individuals involved in commercial equine operations• (example: trail rides, riding instruction, race training, commercial breeding, boarding or leasing of horses which you do not own), or if you own more than 10 horses.

Stallion Infertility

Coverage is provided in the event the horse becomes totally and permanently infertile or unable to breed due to accident, sickness, or disease.

Air Transit

Coverage is available for horses up to 30 days while awaiting transit/air transit to the USA and to extend Mortality coverage to include new territorial limits. Full details of the facility and information on who has care, custody and control are required. Contact our office for more information.

Limited Permanent Disability (Loss of Use)

Provides coverage in an amount of 60% of the sum insured if the horse becomes totally and permanently disabled as the result of a sudden, accidental, and external injury, and can no longer be used for the use indicated in the policy. Available for Dressage, Hunters, Jumpers, Western Pleasure, Hunter Under Saddle, and Reining horses. Horses must have an insured value of $10,000 or greater. Not available for leased horses.

Prospective Foal Coverage

This endorsement covers failure of the prospective foal to be born alive or death of the prospective foal after its birth but prior to the expiration date of coverage. This coverage can only attach at a minimum of 42 days after last

service by the stallion; a manual veterinary examination is required on the mare to confirm in foal status and sound health of mare, and ultrasound results must be provided (taken between 30-60 days after last service) providing no evidence of twins.