Protect Your Investment with the Right Horse Mortality Insurance

As a horse owner, safeguarding your investment is crucial. Just like you keep your horse away from harm, purchasing horse mortality insurance helps mitigate the financial risks associated with ownership.

Full Mortality and Theft Coverage

Full mortality insurance functions similarly to life insurance for horses, providing financial protection in case your horse dies—whether due to natural causes or accidents. This coverage also includes protection against theft, covering stolen horses within North America and in select international scenarios.

Your horse must be in good health and physically sound to qualify for full horse mortality insurance. Horses valued below $50,000 typically do not need a veterinary health certificate. You can also enhance your policy with endorsements for short-term Air Transit insurance or European coverage.

Limited Mortality Insurance

Limited mortality insurance offers protection against specific risks. It’s an excellent option for horses that might not meet full mortality requirements. Financial compensation usually applies if your horse dies due to events such as:

• Aircraft Incidents or Falling Objects
• Natural Disasters Like Earthquakes and Floods
• Fire, Lightning, or Smoke Damage
• Loading/Unloading Accidents
• Severe Weather Conditions Like Tornadoes and Hailstorms

Some policies also allow you to add coverage for accidental shootings, wild animal attacks, and more. Short-term animal air and ground transit insurance is also available.

Get Started with Ark Agency

Every horse owner has unique needs for horse mortality insurance based on factors like the horse’s age, travel frequency, and location. Ark Agency’s knowledgeable representatives are ready to help you find the right coverage, understand premiums, and fulfill any requirements.

Contact an Ark Agency representative today for an estimated premium or to learn more about our policies. We collaborate with various insurers to provide tailored advice on livestock mortality and horse insurance.

Please note that we provide general information, and following our recommendations does not guarantee coverage for losses or claims.