The most common insurance policy written for horses is an all risk mortality policy. This type of policy provides coverage on the animal for death due to any cause, and generally includes coverage for theft and unlawful removal, poisoning, and willful and malicious misconduct. The policy is usually written on an annual basis, and the animal must be proven to be sound of health at inception to effect coverage. Completion of a satisfactory veterinary certificate at policy inception is the accepted means of proving the horse to be “sound of health at inception”.
At TSG we offer mortality policies for the following horses:
There are some extensions that are offered on the mortality package to cover the following:
Surgical Operations – For annual mortality policies, all surgical operations are covered at no additional premium. There is a small additional premium for this coverage if there is known to be a pre-existing condition.
Emergency Life Saving Surgery Costs Extension – This extension provides coverage up to $3,000 for emergency surgery at no additional premium. You can also purchase $5,000 and $10,000 limits for a small additional premium.
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