Have you invested time or money in your horse?
The financial investment in your horse is too important to go unprotected. PAC Insurance Group can obtain you Mortality, Theft and Major Medical coverage that will reimburse you for the death, theft, humane destruction or medical expenses of a covered horse.
Equine Mortality
A full mortality policy provides coverage for death as a result of an injury, illness, or humane destruction, and includes loss or death as a result of theft. Coverage territory includes the continental U.S.A. and Canada. Premiums are based on the horse’s breed, age, and use.
Full Mortality policies also include:
- Colic Surgery – coverage of up to $3,000, including aftercare.
- Value Endorsement – if the value of the horse at any time during the policy period was equal to the limit of liability, the insured will be paid that amount.
- Guaranteed Extension Coverage – in the event of a condition occurring and reported during the policy period, mortality coverage for that condition will automatically continue for up to 12 months from the expiration date.
Additional mortality coverages available include:
Major Medical & Surgical Coverages
- $7,500 Annual Aggregate Limit coverage offers a limit of up to $7,500, not to exceed the horse’s insured mortality limit, subject to a $300 deductible.
- $10,000 Annual Aggregate Limit, subject to a $300 deductible.
Our medical coverages are some of the best available in the marketplace.
Medical coverages include:
- Diagnostics – up to the full limit of the medical coverage is available for diagnostics, often a significant cost in examining and treating an ill or injured horse.
- Lameness – Coverages have no limitations on diagnostics or continuing care for lameness or other conditions.
- No Co-Pays – Coverages have no co-pays.
- Continuing Care – Coverages have no continuing care time limits.
- Navicular, arthritis, and DJD – Conditions such as navicular, arthritis, and DJD are not automatically excluded in medical coverages.
- Medical extensions – Coverages provide for up to 30 days additional coverage after expiration. Some companies have no extension on medical conditions occurring just prior to expiration.
- Surgical Only coverage – Coverage has a $5,000 annual limit, a $0 deductible, and up to 100% of the cost of the surgery is available for aftercare coverage, making this coverage one of the best surgical plans available in the market.
- Colic Medical and Surgical – Coverage provides an annual limit of the lesser of $3,000 or sixty percent (60%) of the mortality limit of liability, for cost of medical and surgical colics including aftercare, subject to a $300 deductible.
Other Coverages
- Third Party Liability – provides coverage in the event the insured horse causes bodily injury or property damage to a third party.
Territorial Limits Including Transit – Mortality coverages may be extended to include coverage while transporting to, from, and while staying in other approved countries. - Stallion Infertility for A, S, & D – Coverage in the event a proven stallion becomes permanently incapable of settling mares in foal as a result of an accident, sickness, or disease. Pays up to 100% of the limit of liability.
- External Injury Loss of Use – Coverage for if the insured horse becomes totally and permanently unfit for its insured use as a result of a visible, external, accidental and violent means injury. Pays up to 50% of the limit of liability.
- Full Loss of Use – Coverage for if the insured horse suffers an illness or injury, and as a result becomes totally and permanently unfit for its insured use. Pays up to 50% of the limit of liability.
- Named Perils – Available to horses of any age over 24 hours, this coverage is for death as a result of specific named causes such as fire and lightning, and includes coverage for theft.