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We offer Full Mortality Coverage for your horse for death as a result of injury, illness, humane destruction, transportation anywhere in the continental U.S.A. or Canada, and loss or death as a result of theft. Mortality premiums are based on your horse’s use, breed and age. Please call us for a quote.
Full Mortality policies include:
- Guaranteed Extension Coverage, which provides that in the event of a condition occurring to your horse and reported during the policy period, mortality coverage will automatically continue for up to 12 months from the expiration date for that specific condition. (Applies to horses ages 16 years and under.)
- Agreed Value Coverage, which provides that in the event of a mortality claim, if the value of your horse at any time during the policy period was equal to the limit of indemnity, you will be paid the value amount stated in the policy.

You may also want to consider adding one or more of the following coverages to your horse’s policy:

Major Medical and Surgical – This option provides your horse with coverage for the cost of covered medical and surgical procedures including diagnostics as a result of accident, illness or disease. This coverage is available for horses ages 30 days through 15 years. Two plans are available:
- $7,500 Annual Aggregate Limit coverage offers a limit of up to $7,500, not to exceed your horse’s insured mortality limit, subject to a $250 deductible per illness, injury or incident.

Surgical Only – This option provides your horse with coverage up to $5,000 for the actual cost of surgery and for up to a maximum of 100% of that cost for approved non-surgical veterinary fees for 30 days aftercare. This coverage is available for horses ages 30 days through 17 years.

Third Party Liability – If you are sued by a third party for bodily injury or property damage directly caused by your horse, this policy option will defend and pay any claims made against you for which you are legally liable up to the annual aggregate limit of $25,000. (See Personal Horse Owner’s Liability coverage for higher limits.)

Trip Transit – Mortality coverage may be extended to include international transportation to and from other approved countries. This coverage option is often selected when a horse is purchased in Europe and imported to the U.S. (Prior notification of transit must be given.)

Stallion Infertility, A S & D – This option provides coverage in the event your proven stud becomes permanently incapable of settling mares in foal as a result of an accident, sickness or disease. (Coverage is not available for stallions in their first breeding season.)

External Injury Loss of Use – This option provides coverage in the event your horse is permanently no longer able to perform its insured use as a result of a visible, external, accidental and violent means injury such as running into a fence or a trailering accident.

Full Loss of Use Including Economic Destruction – This option provides coverage in the event your horse suffers an illness or injury, and as a result can no longer fulfill its insured use, or that the cost of surgical or medical support is not economically viable.

For more information or to request a quote on any of the above coverage options, please call:
Wade Ellerbroek at 800-845-8031 or 712-754-2626
e-mail: wade@ellerbroekandassoc.com