Christmas Insurance Agency
Preferred Equine Insurance
Mortality Coverage
Full Mortality Coverage
Full mortality allow you to recover the value of your horse in the events of its death resulting from accident, sickness, disease, humane destruction and theft.Full Mortality Coverage
Full mortality allow you to recover the value of your horse in the events of its death resulting from accident, sickness, disease, humane destruction and theft.Full Mortality Coverage
MAJOR MEDICALAfter a per claim deductible, this coverage pays most veterinary
medical and surgical expenses up to $5,000 or $12,500 per claim
depending on the major medical endorsement. It is a form of health
insurance on your horse and is purchased as an addition (endorsement) to
the Full Mortality policy. Coverage applies to medical or surgical
treatment, including diagnostic procedures, performed by a licensed
veterinarian as a result of accident, sickness or disease and must be
approved by the insurance company ahead of any procedure. Read the
endorsement to see what exclusions applied. Horses between the ages of
30 days and 15-16 years, depending on the insurance company, are
eligible for this coverage.
SURGICAL
After a deductible, Surgical Expenses Only coverage covers up to the
amount of coverage purchased of surgical expenses incurred to save the
life of a covered animal when the surgery is required as a direct result
of a covered accident, sickness or disease.
LOSS OF USE
LOSS OF USE
Will pay 60& of the insured mortality value if your horse becomes totally and permanently unfit to perform its use as specified in the policy on your horse and is available as an addition
(endorsement) to the Full Mortality policy and Major Medical policy.
This coverage is only available on performance horses, i.e. halter
horses and breeding stallions are not eligible, and would apply if your
horse becomes totally and permanently unable to perform his intended
use as shown on the policy due to accident, injury, sickness or disease
but the condition does not necessitate destruction for humane reasons.
LIMITED MORTALITYUnlike full mortality, limited mortality only covers death due to certain types of accidental causes such as fire, lightning, and transportation.
LIMITED MORTALITYUnlike full mortality, limited mortality only covers death due to certain types of accidental causes such as fire, lightning, and transportation.