When your horse survives—but can’t return to work.
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What is Equine Limited Permanent Disability Insurance?
It’s not mortality coverage. It’s not loss of use in the broadest sense. It’s designed for the specific, devastating moment when a horse pulls through—but can no longer do the job it was insured to do.
Why You Need Equine Limited Permanent Disability Insurance
Sometimes, surviving the injury is only the beginning. A performance horse that can no longer compete. A stallion injured beyond use. These aren’t just animals sidelined. They’re pieces of your business, your breeding program, your plans.
This coverage gives you something to work with when the work is no longer possible.
For Injuries That Change Everything Permanently
A shattered joint. A traumatic accident. The kind of event that removes any realistic path back to soundness. This is when the policy applies—and why it matters.
To Protect the Value You Built Over Years
From bloodlines to training hours, your investment wasn’t casual. This policy helps reclaim some of that value when a freak incident brings everything to a stop.
Sudden External Injuries
This coverage is triggered by a clear, accidental external injury—not a condition that worsens over time. Think pasture collisions, trailer accidents, or catastrophic tendon tears.
Total and Permanent Disability
The horse must be rendered permanently unable to fulfill its insured use, whether that’s in sport, breeding, or another defined role.
Partial Value Payout
We provide compensation for up to 60% of the horse’s insured value, helping you offset the financial loss when the horse’s job ends for good.
For stallions and mares whose use is reproductive, this policy ensures that an unexpected injury doesn’t leave a gaping hole in your program.
If your income is tied to a horse’s ability to perform—whether in lessons, sales, or showing—this coverage can help stabilize the business when things go wrong.
How is this different from Loss of Use Insurance?
Limited Permanent Disability is triggered by a sudden, external, and visible injury. It’s more specific and generally offers a lower payout than full loss of use policies.
Does the horse need to be euthanized?
No. This policy is for horses that survive but are permanently unable to return to their insured use.
What qualifies as a total and permanent disability?
A vet must confirm that the horse is unable to perform its insured function permanently. This may involve a combination of diagnostics, time off, and evaluation.
What percentage of the horse’s value is covered?
Typically, up to 60%, depending on the specific policy terms and underwriting.
What happens if a horse causes property damage at a show?
Should a horse cause property damage at a show, our comprehensive coverage steps in, from damage to venues, equipment, or third-party property. We handle the claims process efficiently, allowing you to maintain your sterling reputation and focus on running successful events.
Can I keep the horse after a claim?
Yes. In most cases, you retain ownership and continue care. The policy compensates for the loss of function, not the horse itself.