Question 1

What is equine or livestock mortality insurance?

Accepted Answer

Mortality insurance protects you financially if your insured animal dies due to a covered cause such as accident, illness, disease, or humane destruction (when medically necessary). Coverage is based on the animal’s insured value.

Question 2

What types of animals can be insured?

Accepted Answer

Coverage is available for horses, cattle, and other livestock used for show, breeding, or performance. Each animal must meet the carrier’s eligibility and health requirements at the time of application.

Question 3

How is the insured value determined?

Accepted Answer

The value is typically based on purchase price, show records, breeding potential, or appraisal. For high-value animals, documentation such as sale receipts or performance history may be required.

Question 4

What should I do if my animal becomes sick or injured?

Accepted Answer

Contact your veterinarian immediately and notify the insurance company or your agent as soon as possible.

Do not euthanize the animal unless medically necessary and only after approval from the carrier.

Question 5

What happens if my animal dies?

Accepted Answer

Notify the insurance company right away using the contact information on your binder or policy. A licensed veterinarian must perform a necropsy, and all records should be submitted as part of the claim process.

Question 6

Are transportation accidents covered?

Accepted Answer

Yes — most mortality policies cover accidental death during transit, whether hauling to a show, sale, or breeding facility. Additional endorsements may extend protection for medical expenses due to injury in transit.

Question 7

What documents are needed to start a policy?

Accepted Answer

You’ll typically need:
 • A completed application
 • Veterinary health certificate
 • Bill of sale or proof of value
 • Payment of the initial premium

Question 8

How long does coverage take to begin?

Accepted Answer

Coverage can begin once the completed application, payment, and any required veterinary documentation are received and approved by the insurance carrier.

Question 9

How do I file a claim?

Accepted Answer

Call the number listed on your policy binder immediately.

Question 10

Does submitting a quote form bind coverage?

Accepted Answer

No. Submitting a quote request does not create or bind coverage. All applications must be reviewed and approved by the insurance carrier before coverage is effective.

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