Equine Mortality, Theft & Colic Insurance

Because Your Horse Deserves the Best Care—Without the Financial Burden

All-risk mortality, theft, and colic coverage tailored for performance horses, breeding stock, and beloved companions—plus optional medical support when your horse needs care most.

Why Equine Mortality, Theft & Colic Insurance Matters

No one wants to imagine losing a horse—but the reality is that accidents, illness, and theft can happen. Mortality, Theft & Colic insurance provides financial protection in the face of devastating loss, whether you’re a seasoned competitor or a dedicated recreational rider.

This policy forms the base of equine insurance coverage, allowing you to prepare for the unexpected with confidence and clarity. It’s the first step in making sure your horse—and your investment—is protected.

What Can Mortality, Theft & Colic Insurance Cover?

All-Risk Mortality

Reimburses the insured value of your horse in the event of death from illness, injury, accident, or humane euthanasia. Coverage applies wherever your horse is—home, training, competition, or transit.

Theft

Provides financial reimbursement if your horse is stolen from your property, during transit, or while in another’s care.

Included Colic Surgery Coverage

Many carriers offer a limited amount of colic surgery coverage at no extra cost. While the coverage amount varies by provider, this built-in benefit helps reduce the financial strain of one of the most common and costly equine emergencies.

Coverage While Traveling or Showing

Many carriers offer a limited amount of colic surgery coverage at no extra cost. While the coverage amount varies by provider, this built-in benefit helps reduce the financial strain of one of the most common and costly equine emergencies.

Humane Euthanasia

If your horse requires euthanasia due to medical necessity, your policy will provide reimbursement, so long as it’s in accordance with policy terms.

Major Medical Insurance

Optional Protection for Veterinary Expenses When Your Horse Gets Sick or Injured

Major Medical coverage can be added to your Mortality, Theft & Colic policy to assist with veterinary expenses if your horse becomes ill or injured. Think of it as your horse’s health insurance—it gives you the freedom to focus on care, not cost.

  • Available for horses typically between 30 days and 20 years old
  • Covers diagnostics, treatment, hospitalization, medications, and surgical procedures
  • Includes coverage for lameness, infections, respiratory illness, soft tissue injuries, and more

Mortality, Theft & Major Medical FAQ

  • How much does this insurance cost?

    Your annual premium is calculated based on the horse’s insured value multiplied by a rate determined by:

     • Age

     • Breed

     • Use (discipline)


    For example:

    A $30,000 show jumper with a 3% rate would cost approximately $900 annually.

  • What if I already have a homeowner’s policy—am I covered?

    Most homeowner policies do not cover equine mortality or liability. This standalone policy is specifically built for horse-related risks and should not be skipped, even for pleasure horses.

  • Can I get Major Medical coverage without Mortality insurance?

    No. Major Medical is an optional endorsement that can only be added to an active Mortality policy.

  • How is my horse’s value determined?

    We’ll help you determine an appropriate insured value using documentation like:

     • Purchase price

     • Training expenses

     • Show results

     • Breeding records

  • What kind of horses qualify for coverage?

    Most policies cover horses aged 30 days to 20 years, but we may be able to find options for senior or high-risk horses depending on carrier flexibility.