Mortality Coverage
The 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. Vet certificates are not required for horses valued up to $100,000. Foals under 30 days old require a Foal Vet Certificate.

Colic Surgery Coverage
At no extra cost, the Full Mortality policy includes coverage for colic surgery up to $3,000.

Guaranteed Extension
The Full Mortality policy also includes Guaranteed Extension coverage. This coverage provides that in the event of a condition occurring and reported during the policy period, mortality coverage will automatically continue for up to 12 months from the expiration date for that specific condition.

Value Endorsement
AEIG Full Mortality policies also include a Value endorsement. This coverage provides that in the event of a mortality claim, if the value of your horse at any time during the policy period was equal to the limit of indemnity, you will be paid that amount.

Additional Medical/Surgical Coverages
*Additional Medical/Surgical Coverages-Premiums are fully earned.

Major Medical and Surgical
For an additional charge, coverage can be added to your Mortality Policy for the cost of medical and surgical procedures including diagnostics as a result of accident, illness, injury, or disease. This coverage is available for horses ages 31 days to 15 years; 16 years – 20 years require underwriting approval.

There are three Major Medical plans available (At this time $15K limit is not available in CA).

Up to $7,500 Annual Aggregate Limit
This coverage offers a limit of a maximum of $7,500, not to exceed the horse's insured mortality limit, subject to a $300 deductible per illness, injury or incident.

$10,000 Annual Aggregate Limit
This coverage offers a limit of $10,000, subject to a $300 deductible per illness, injury or incident.

$15,000 Annual Aggregate Limit
This coverage offers a limit of $15,000, subject to a $300 deductible per illness, injury or incident.

Surgical Only
For an additional charge, coverage is provided for the cost of actual surgery, and for aftercare medical fees for up to 30 days equal to the cost of the surgery. Annual Aggregate Limit: $5,000, subject to a $0 deductible. Available for horses ages 31 days – 17 years; 18 – 20 years with underwriting approval.

Colic Medical and Surgical Coverage
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. Available for horses ages 31 days – 15 years; and 16 – 20 years with underwriting approval.

Equine Third Party Liability Coverage
Available as an addition to your mortality policy, this option provides coverage in the event your horse injures a third party or damages their property. Coverage is for defense fees and pays claims for which you are legally liable up to an annual aggregate limit of $25,000.

Should you desire higher liability limits, consider a Equine Personal Liability Policy.

Stallion Infertility for A S & D
In the event your proven stallion becomes permanently incapable of settling mares in foal as a result of accident, sickness or disease, this coverage pays up to 100% of the insured value.

Full Loss of Use
In the event your horse becomes permanently unable to perform its insured use as a result of an accident, illness, injury or disease, this coverage pays up to 50% of the insured value. Full Loss of Use coverage requires the submission of the Full Loss of Use Vet Certificate for coverage consideration. Full Loss of Use coverage is only available for the following uses, subject to underwriting approval. Horses must be actively competing, and current show records must be included with new and renewal submissions.

•	Show Horses – only horses showing in classes such as English Pleasure, Hunt Seat, Hunter Under Saddle, Saddle Seat, or All-Around (if the horse shows in at least one English use class).
•	Dressage
•	Driving – only horses showing in driving classes such as Fine Harness, English Pleasure, etc. are eligible. Horses used for farm work, pleasure driving, or combined driving are not eligible.
•	Show Hunter
•	Show Jumper

External Injury Only Loss of Use
If your horse is permanently unable to perform its insured use due to a visible injury caused by external, accidental, and violent means, this coverage pays up to 50% of the insured value. External Injury Only Loss of Use coverage is only available for the following uses, subject to underwriting approval. Horses must be actively competing, and current show records must be included with new and renewal submissions.

•	Show Horses – only horses showing in classes such as English Pleasure, Hunt Seat, Hunter Under Saddle, Saddle Seat, or All-Around (if the horse shows in at least one English use class).
•	Dressage
•	Driving – only horses showing in driving classes such as Fine Harness, English Pleasure, etc. are eligible. Horses used for farm work, pleasure driving, or combined driving are not eligible.
•	Show Hunter
•	Show Jumper

Territorial Limits Including Transit
The Full Mortality policy only provides coverage for horses while located in the continental United States and Canada. If a horse travels outside this area or is purchased abroad and imported, you need to add this coverage to your policy.

Named Perils Coverage
Available to horses of any age, this policy provides coverage for death as a result of specific named causes such as fire and lightning, and includes coverage for theft.

FAQs For Horse Owners


Mortality Applications

Hallmark Equine Mortality Application
Application for mortality coverage for your horse, including colic surgery coverage.