Equine mortality and theft

An Equine Mortality Policy is an all perils life insurance policy for your horse. You are covered against theft of your horse or loss from accident, illness, disease, injury or humane destruction.

major medical/vet services

A Major Medical Plan for horses is much like your health care insurance plan. It provides benefits when your horse becomes ill, injured or diseased. It covers a portion of diagnostic testing, medical treatment and surgical services, as well as aftercare treatment. Deductibles are reasonable and benefits are generous. Surgical coverage is also available.

Loss of use

Your horse is protected with a Loss of Use (LOU) policy. It pays you a specified percentage of the insured value of your horse if it becomes permanently unfit for use due to injury, illness or disease, but does not require destruction for humane reasons. There are two types of LOU: 1) Accidental, and 2) Degenerative. You may only insure the horse for a minimum of $25,000 and a maximum of $100,000.  The age limits for this type of coverage are 1 year to 12 years old.  Please contact EMO for further details.

specialty policies

Customized policies cover unique situations. For example, if your concern is stallion or mare productivity, we offer fertility coverage. Whatever issue concerns you, just ask your EMO representative about special coverage.

To Request A Quote on equine mortality insurance, please click here.