Horse Mortality & Major Medical Insurance

We’re there for you, even in the worst of times. 

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horse mortality & major medical

You treat your horses like family, so will we.

Losing your horse due to an accident, injury, illness, or disease can be devastating. In these scenarios, the last thing you will want to deal with are the mountains of bills associated with your horse’s loss. Equisure’s Horse Mortality & Major Medical policy is customized for horse owners and lessors and covers a wide range of losses. With this plan, you will have peace of mind that you and your equine companion are protected even during the worst-case scenario. 

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horse mortality & major medical

Policy Details

Our Horse Mortality & Major Medical policies are written for horse people, by horse people, and are customizable to your needs. Premiums start at just $250 a year. Read on to see if this policy is right for you and your horse. 

  • Emergency Colic Surgery Endorsement included at no additional premium on most policies  

  • Major Medical limits ranging from $5,000-$15,000 in coverage 

  • Mortality/theft (base coverage) 

  • Major medical 

  • Emergency colic surgery endorsement 

  • Colic treatment endorsement 

  • Loss of use   

  • Prospective foal 

  • Primary and excess surgical endorsements 

  • Transit coverage/territory extension endorsements 


  • Horses (including mules and miniature horses)  

  • Full Mortality and Major Medical from 24 hours old to 18 years 


  • Horses over 17 years of age (for new business)

  • Horses valued under $2,500 

  • Horses/insureds that live in the state of Hawaii 

Available in 49 U.S. states. Not available in Hawaii.

Horse Mortality & Major Medical

Why choose Equisure for your Horse Mortality and Major Medical Insurance?

Our expertise speaks for itself.

With over 30 years of experience insuring animal professionals and organizations, our experts are deeply familiar with the complex risks associated with horses, dogs, and livestock.

We prioritize customer service.

We know how passionate you are about your animal pursuits, which is why you will receive a prompt response from a real person when you contact us.

We specialize in tailoring to your needs.

We will work with you to customize policies that address your specific needs and challenges – no one size fits all plans here!

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Horse Mortality & Major Medical

Frequently Asked Questions

An emergency colic surgery endorsement is generally included at no additional premium, provided that the horse does not have a history of gastrointestinal issues. Coverage ranges from $3,000-$5,000 depending on the carrier and horse's value.

Major Medical endorsements are intended to cover non-routine vet care such as accidents, injuries, illness, disease and/or surgical procedures.

The premium is based on a percentage of the agreed value to be insured and also depends upon the horse’s age, breed and discipline. Our rates range from 2.9% to 4.5% depending on the factors above. Minimum premiums start at $150-$250 depending on the carrier.

Once a horse reaches 16 years old, it is considered “over age”. Over-aged horses may be insurable at higher rates and/or limited coverages.

All Risk Mortality (ARM) covers accidental death or death by an illness. We also cover 100% of the value for theft and 100% for a humane destruction.

Yes, by providing the proper documentation such as show records, training records and/or a trainer statement we can look at increasing values once you have owned the horse for at least 6 months.

It is the value determined by you and the carrier underwriter based on purchase price, show records, training, and other relevant data. Once agreed to, there are no further questions in the event of a death claim except for questions related to foul play.

It depends on the severity of the condition. Underwriting will review the condition and medical report from your vet and make a determination based on the circumstances surrounding the case. In some cases, it will be a temporary exclusion, in others it will be permanent.