Equine Mortality Insurance
Support for the day no one wants to imagine—and coverage that stays with you afterward.
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What is Equine Mortality Insurance?
Equine Mortality Insurance offers financial protection in the event of your horse’s death, theft, or humane destruction. It’s designed to give you stability in the middle of loss—so you’re not left reeling financially while coping emotionally.
This coverage not only helps offset the insured value of the horse itself, but also includes a vital benefit: we extend coverage up to 30 days post-mortem. That means you’re not rushed. You have room to handle the aftermath, get answers, and find your footing again.
Why You Need Comprehensive Equine Mortality Insurance
You hope you’ll never need it. And most days, you won’t think about it. But when you invest time, money, and trust into a horse, protecting that investment just makes sense.
In the event of the unthinkable, having proper coverage can provide essential peace of mind. The Equerry’s Equine Mortality Insurance coverage protects you in the case of death, theft, or humane destruction of a horse, ensuring you are not left vulnerable when the unexpected occurs.
Support That Extends Beyond the Loss
Losing a horse is never just financial. But the financial toll can hit hard and fast. Our policy gives you time, space, and support to regroup before the next chapter begins.
Room to Make Decisions Without Pressure
What happens next shouldn’t be rushed. Whether you’re arranging a necropsy, filing paperwork, or simply processing the loss, the extra time built into our policy gives you space to handle each step with care.
Unexpected Losses
We provide coverage for death caused by illness, injury, or accident—whether it happens in the pasture, in training, or while traveling. When the loss is sudden, this policy helps provide a financial safety net.
Theft or Disappearance
When a horse is unlawfully taken or goes missing under suspicious circumstances, we offer financial protection. You’re not left to navigate the legal and financial fallout alone.
Veterinary-Advised Euthanasia
In cases where humane destruction is the most responsible option, our policy recognizes the difficulty of that decision and ensures it doesn’t result in a total financial loss.
Post-Mortem Extension
We extend coverage for up to 30 days after a mortality event, giving you the time and support needed to complete necessary steps like evaluations, transport, and paperwork.
Associated Costs
Where applicable, we help cover transport, veterinary confirmation, and other immediate costs related to the loss. Because logistics shouldn’t be another burden during an already difficult moment.
Our coverage wraps around you to protect against claims of bodily injury or property damage caused by equine participants or their mounts during your events.
It’s the difference between facing challenges with the confidence of a seasoned competitor, or the trepidation of a green horse in its first outing.
When the horse is your teammate, your calendar, and your strategy—all in one—you need a plan for what happens if that suddenly ends.
Whether it’s your foundation mare or a stallion with generations of promise, our policy protects your program when irreplaceable stock is lost.
For those who rely on horses as part of their livelihood, losing one without protection can have ripple effects through your barn and your business.
What qualifies as an equine mortality claim?
Covered events include death by accident, illness, injury, theft, or humane euthanasia when advised by a licensed veterinarian and agreed upon by the insurer.
Does this cover natural death or old age?
Generally, mortality insurance covers death due to unexpected events. Horses retired due to age or euthanized for non-medical reasons may not be eligible.
What is the post-mortem coverage window?
Our policy includes up to 30 days of extended coverage post-mortem, giving you financial support during the transition and evaluation period.
Can I insure foals or older horses?
Eligibility depends on the age, health, and use of the horse. We’ll walk you through underwriting considerations specific to your horse.
Does this policy require a vet exam?
In many cases, yes—especially for high-value horses. However, some coverage may be issued based on a signed statement of health depending on the horse’s use and value.
How do I start a mortality insurance claim?
Notify us as soon as possible. We’ll provide you with a claims form and guide you through documentation, including vet reports and proof of loss.