Equine Full Mortality and Theft
The basis of most equine insurance policies, and the most important, is the mortality and theft (M&T) insurance. This policy protects your horse from ALL RISK. Your horse is covered for death or humane destruction caused by accident, illness, or disease, with theft included.

Example: Your horse is in a trailering accident and breaks his leg. Upon the veterinarian's request, you have the horse put down. The horse would be covered under the M&T insurance.

Call (800) 351-1444 for more information.

Equine Special Accident with Theft Included
This is an accident-only policy with theft included that is less expensive, but has limited coverages. The horse is covered against death or humane destruction resulting from bodily injury caused by a sudden and external accident.

Example: You have two broodmares that die. One was killed by lightning and one had an aneurysm. The policy will cover the lightning loss, but not the aneurysm. The lightning is an external and visible accident where the aneurysm is not.

Call (800) 351-1444 for more information.

Equine Specified and Optional Perils with Theft Included
Another option is the Specified and Optional Perils policy. Again, this is an accident-only policy with theft included that is less expensive than the Special Accident policy. However, know that the accident causing death or humane destruction must be listed within the policy.

Example: You have two broodmares that die. One was killed by lightning and one died from a rattlesnake bite. The policy will cover the lightning loss, but not the snake bite. Electrocution is one of thirteen (13) listed perils covered within this policy. Snake bites are not listed. Contact your agent for a complete list of specified perils.

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These special accident policies are great policies to use when you may be insuring a large number of horses, such as broodmares, foals, weanlings, or older horses. These keep the insurance premiums within budget and still offer accident protection. Please communicate your situation clearly to your agent in order that he/she can help determine what may be best suited for your needs.

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Bovine Full Mortality and Theft
The basis of most bovine insurance policies, and the most important, is the mortality and theft (M&T) insurance. This policy protects your animal from ALL RISK. Your bovine is covered for death or humane destruction caused by accident, illness, or disease, with theft included.

Example: Your bull is in a trailering accident and breaks his leg. Upon the veterinarian's request, you have the animal put down. The bull would be covered under the M&T insurance.

Call (800) 351-1444 for more information.

Bovine Special Accident with Theft Included
This is an accident-only policy with theft included that is less expensive, but has limited coverages. The bovine is covered against death or humane destruction resulting from bodily injury caused by a sudden and external accident.

Example: You have two bulls that die. One was killed by lightning and one had an aneurysm. The policy will cover the lightning loss, but not the aneurysm. The lightning is an external and visible accident where the aneurysm is not.

Call (800) 351-1444 for more information.

Bovine Specified and Optional Perils with Theft Included
Another option is the Specified and Optional Perils policy. Again, this is an accident-only policy with theft included that is less expensive than the Special Accident policy. However, know that the accident causing death or humane destruction must be listed within the policy.

Example: You have two bulls that die. One was killed by lightning and one died from a rattlesnake bite. The policy will cover the lightning loss, but not the snake bite. Electrocution is one of thirteen (13) listed perils covered within this policy. Snake bites are not listed. Contact your agent for a complete list of specified perils.

Call (800) 351-1444 for more information.

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These special accident policies are great policies to use when you may be insuring a large number of bovine, such as recip cows, calves or weanlings. These keep the insurance premiums within budget and still offer accident protection. Please communicate your situation clearly to your agent in order that he/she can help determine what may be best suited for your needs.

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