Equine Mortality Insurance - Major Medical & Surgical Coverage for your Horse

Equine Mortality Insurance

At Narrows Insurance, we understand the significant investment that your horse represents. Several of our team members own and have a passion for horses, and with that brings expertise on equine insurance. Regardless of how you use your horse, we have a product that will fit your needs and protect your investment.

What is Horse Mortality Insurance?

Experiencing the loss of your equine companion can be emotionally and financially devastating. Equine mortality insurance is intended to ease the financial burden. This is done by providing reimbursement for the death, theft, and humane destruction of your horse.

Equine mortality is essentially life insurance for your horse. Similar to a life insurance policy for a person, carriers may have restrictions based on age and previous health conditions.

What is Equine Mortality and Major Medical?

Enhance your Equine Mortality insurance policy with Major Medical/Surgical Coverage, an invaluable health insurance endorsement. With coverage limits of $7,500, $10,000, or $15,000, this policy ensures reimbursement for reasonable and customary veterinarian fees associated with covered surgical procedures, medical treatments, or diagnostic testing. Whether addressing accidents, injuries, lameness conditions, illnesses, or diseases, this coverage endorsement provides the support your horse needs.


Some things that may be excluded from this type of coverage would be elective procedures, alternative medicine (such as acupuncture, aquatic treadmills, ad herbal remedies), and routine maintenance. In short, Major Medical is intended to provide coverage for unexpected health expenses for your horse.

Equine Mortality Insurance

Additional Equine Insurance Coverages:

Optional Coverages:

  • Surgical Only: this type of coverage is a more basic version of a Major Medical endorsement. It only covers the cost of medical bills associated with surgery.
  • Colic Coverage: reimburses you for colic surgery. Coverage limits may vary depending on the policy.
  • Equine Accident & Illness: this endorsement covers medical bills incurred by veterinarian costs associated with an accident or illness.
  • Loss of Use: this type of coverage will pay out if your horse is permanently damaged from injury or sickness and is no longer able to perform regular duties. Coverage can range up to the full value of the horse, but typically the insurance company will take ownership of the horse if they pay out the full value.
  • Stallion Infertility for Accident, Sickness & Disease (ASD): this endorsement extends coverage to mares and stallions that become infertile due to accident, sickness or disease.
  • Worldwide Coverage: this endorsement extends coverage outside of the US, US territories, and Canada. It can be written on a One Way (one-time trip) or Annual (multiple trips) term. The One Way option is typically used for importing a horse from overseas. The Annual option may suit a racehorse that is racing in several countries in a year.

Is Equine Mortality Insurance Worth the Investment?

Unexpected events with your horse can bring both financial strain and mental challenges. Equine mortality insurance is intended to help alleviate the financial burden of losing your horse.


Our knowledgeable experts are ready to assist you in securing the best insurance coverage tailored to your needs. Contact us today to protect your passion and ensure a secure future for you and your equine companion!

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