Premiums vary depending on the breed and age of the horse, the value of the horse, the use, the residence, etc. Mortality coverage is similar to life insurance and is based on the value of the horse should it die or need to be euthanized, in addition to providing for colic surgery coverage. Extended coverages are available for increasing the surgery and medical coverage, as well as loss of use, infertility, or named perils.
Health Insurance
Disability Insurance
It does not protect club members from each other and it does not pay claims or property damage for those club members. Each member must be sure to carry their own personal liability insurance as well as have their own medical, accident, and disability insurance.
There is no deductible for mortality and theft including colic surgery. There is no medical coverage, except for colic surgery, included in the mortality insurance. The major medical and surgical coverage, which is available as an option with the mortality, does have a deductible. Some equine business insurance (i.e. CCC insurance, for boarding stable businesses) have deductibles.