Coverage

This policy provides coverage for death of an animal resulting from the perils listed below.  Please note that death due to health-related causes are not covered under this policy.

Perils Covered:

        A.     Fire

        B.     Lightning

        C.     Explosion

        D.     Collision or overturning of a vehicle transporting the animal

        E.     Windstorm

        F.      Hail

        G.     Earthquake

        H.     Flood

        I.      Objects falling from an aircraft

        J.     Accidental Shooting

        K.    Drowning

        L.     Electricity

        M.    Attack by dogs or wild animals

        N.    Collapse of building

        O.    Theft

Rates

A rate of 1.25 - 1.60% (varies by company) of the insured value applies to each horse(s) covered. A minimum policy premium of $100 - $150 (varies by company) applies per policy.  To obtain this coverage, a vet exam is NOT necessary.  The premium is considered fully earned in the event of cancellation.  Please note: This coverage is instead of a Full Mortality policy.