Livestock Mortality is a Life Insurance policy for your horse, with you as beneficiary. It is an "All Risk" policy, which will cover death from any cause, subject to certain exclusions, which are stated in the policy. Livestock Mortality insurance will also pay you if your horse is stolen.
Major Medical Endorsement
This insurance reimburses the veterinarian's fees for surgery, major illness and disease. Major Medical reimburses reasonable and customary charges necessitated by accident, injury or illness of your insured horse. There is a $250 deductible for each claim and a $7,500 limit per animal per year. This coverage will help you control veterinary expenses for unforeseen events related to the health of your horse.
Loss of Use Endorsement
This insurance reimburses you 75% of your horse's value in the event he becomes permanently incapable of fulfilling the functions for which he is used, as stated on your policy. Both Accidental Loss of Use and Full Loss of Use insurance coverages are available.