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

  • Free Colic Surgery Coverage

  • Guaranteed Extension Coverage included

  • Value Endorsement included

  • Payment Plans available

  • Visa, MasterCard, and Discover Card accepted
 
 
 
 
 
 
Coverages For Your Horse
Mortality policies are available in all U.S. states except Alaska and Hawaii.

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Mortality Coverages Explained
Click on titles to view/print coverage wordings/applications.

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 and Surgical Coverages

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 20 years following underwriting guidelines.

There are three limits available with the major medical plans available. Please select the mortality instant quote to see what coverage and limits are available for your horse.

$7,500 Annual Aggregate Limit
$10,000 Annual Aggregate Limit
$15,000 Annual Aggregate Limit
Catastrophic Accident/Illness ($5,000 annual limit)
For an additional $300 per year, you can add the Catastrophic Accident/Illness coverage up to an annual limit of $5,000 with a $375 deductible per accident, illness or injury. This coverage includes medical or surgical colic; treatment or surgery for illness, or external and violent injuries; treatment for neurological disorders as a result of illness; treatment for viral or bacterial illness; and treatment of lameness arising from laminitis.

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.

Hallmark Equine Mortality Renewal Application
Application to renew your mortality coverage through Hallmark Equine Insurance Agency.

Hallmark Equine Mortality Renewal Application (4-horse)

Application to renew your mortality coverage through Hallmark Equine Insurance Agency. This form is for up to 4 horses.

Health Condition Information Form
To be filled out by you if you need to provide detailed information on a health condition your horse has experienced.

Hallmark Statement of Health
Required for changes being made to your current policy.

Hallmark Veterinary Certificate of Examination
To be filled out by your Veterinarian. Required for horses insured for more than $100,000.

Hallmark Veterinary Certificate of Examination for Foals Under 30 Days
Required for all foals under 30 days old.

Hallmark Stallion AS&D Supplement Application
Required for all stallions requesting Stallion Infertility for AS&D coverage.

Hallmark Stall Card
For posting on your horse’s stall with your insurance information, your contact information, and your vet’s contact information.
 
 
Mortality policies are available in all U.S. states except Alaska and Hawaii.


Hallmark Equine Insurance Agency, Inc.
2130 Point Boulevard • Suite 150 • Elgin, IL 60123
(800) 734-0598 • (847) 844-8419 • Fax: (847) 844-8284
E-mail: info@hallmarkhorse.com
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