Protect Your Investment with the Right Horse Mortality Insurance

Ark Agency partners with several insurance companies to offer tailored coverage options based on your horse’s use, age, value, and other qualifying factors.

Full Mortality Coverage

protects against financial loss due to the death of your insured horse caused by natural or accidental events. Theft coverage is generally included but is subject to specific guidelines.

Eligibility

To qualify for Equine Mortality Insurance, the horse must generally be healthy and sound for its intended use.

Key Notes:

• Coverage typically applies within the Continental U.S. and Canada.
• Coverage may be extended to certain foreign countries with underwriter approval.
• A current veterinary certificate of exam may be required based on age & requested value (further requirements may apply)
• Age, use, and value restrictions may apply.
• Optional coverage endorsements, including Major Medical coverage, may be available when paired with a qualifying Equine Full Mortality policy. To learn more about available optional coverage.

Named/Specified Perils (Limited Mortality) Insurance:

This policy provides more limited coverage, insuring against named or specified perils that result in the death of an insured animal.

Commonly covered perils include:

1. Fire, lightning, or resulting smoke
2. Collision, derailment, or overturn of certain conveyances in transit (including
3. loading/unloading)
4. Earthquake or flood
5. Windstorm, cyclone, tornado, or hail
6. Accidental shooting (excluding by the insured, family, or employees)
7. Hit by vehicle (excluding by the insured, family, or employees)
8. Drowning
9. Attack by dogs or wild animals
10. Collapse of building
11. Theft
12. Trailering Accident – Perils coverage requires that the loss/ death be a direct result of a trailer accident. It does not afford coverage for an injury (ie; fractured leg) sustained from the intended use, while hauling or other such situations or injuries.

Where to Begin

We recognize that your insurance needs are unique, so we provide person-to-person service to ensure the right fit. Contact us to request a no-obligation quote that includes:

• Estimated premium
• Coverage options and details
• Company-specific qualifications and underwriting requirements

Please Note:

All coverage is subject to underwriting review and approval. Requesting a quote does not guarantee that coverage will be offered or bound. The insurance company reserves the right to request additional information or decline coverage if eligibility guidelines are not met.

Contact Us:

📞 800-328-8894

📧 Insurance@arkagency.com

Ark Agency has been safeguarding the financial well-being of fellow horse owners since 1978. Contact us today to explore your options.