Mortality coverage insures you against financial loss in the event your horse dies as a result of natural or accidental causes while in the United States. You are also insured against loss resulting from intentional destruction of an insured animal to alleviate incurable and excessive suffering caused by an insured peril, provided the company agrees to the destruction.
Many of our companies include compensation towards colic surgery within the mortality policy.
Minor injuries, depreciation value, and failure to perform the duties for which it is kept are not covered.
The company is not liable for more than the amount for which the animal is insured, nor more than its actual cash value at the time it sustained the injury or contracted the disease that caused the loss, whichever is less. (Agreed Value policies are available in some instances)