Equine Insurance | Chartier Agency

EquineInsurance

Protecting your equine investment with customized insurance solutions.

Premiums starting as low as$250 per year

Coverage

Livestock Mortality & Theft Insurance
Prospective Foal Insurance (Foal In Utero)
Colic & Surgical Endorsements
Major Medical Coverage
Loss-of-use
120-Day Extension of Benefits
Guaranteed Renewal Endorsement

We understand the unique risks associated with horse ownership whether you have an expensive performance horse or an everyday ranch horse. Our team of agents can design a custom policy to protect your equine partner every step of the way.

Livestock Mortality & Theft Insurance

A Livestock Mortality & Theft Policy functions as a life insurance policy for your horse(s) or livestock, ensuring financial protection in the event of death, theft, or authorized humane destruction due to illness or injury. This all-risk policy provides comprehensive coverage with specific exclusions outlined in your policy.

Coverage Highlights

Mortality and Theft Coverage for horses 24 hours old to 20 years
Pays the agreed value of the animal at the time of loss (up to the insured amount)
Includes a guaranteed renewal option for eligible horses
Provides a 120-day extension of benefits if a horse is sick or injured during the policy term, the incident was reported to the Company prior to policy expiration and is covered under the major medical, surgical, or colic endorsements.
Veterinary exams required for foals under 30 days old, high-value horses, and select cattle
Policyholders must ensure proper care and veterinary attention for their insured animal
Preexisting conditions may be excluded from coverage.

Free Colic Surgery Benefit

The equine mortality policy provides an Emergency Colic Surgery benefit on each qualifying horse at no additional cost to you. The limit depends on the value of the horse. Horses valued less than $25,000 receive $3,500, and horses valued at $25,000 or more receive $5,000.

If a loss occurs, a necropsy is required at the policyholder’s expense.

Prospective Foal Insurance (Foal In Utero)

Covers an unborn foal in utero for the length of pregnancy plus an additional 7 days, 45 days, or 1 year of life after birth, depending on which option you select. The mare carrying must be a minimum of 42 days with foal to be eligible for this coverage. Additional eligibility requirements may apply.

For more details or a customized quote, contact our office.

Colic & Surgical Endorsements

Enhance your mortality policy with additional colic and surgical coverage options to protect you financially when the unexpected happens.

Colic Endorsement

This coverage reimburses veterinarian fees relating to a medical or surgical “colic” that first occurs or manifests during the policy term.

Covers colic treatment and surgery for horses 30 days to 20 years old
Limits available: $12,500 per policy period
Deductible: $500 per claim
No co-payment

Surgical Endorsement

This coverage reimburses veterinarian fees relating to a “surgical treatment” (i.e., bone chip removal, colic surgery, stifle surgery, kissing spine surgery, etc.) that first occurs or manifests during the policy term. Hospitalization can be covered for up to 15 days post-surgery if required by the Veterinarian or surgical center.

Limits available: $12,500 per policy period
Deductible: $500 per claim
No co-payment

Excluded surgical procedures include, but are not limited to:

Pre-existing or congenital conditions
Elective or voluntary surgeries
Castration or spaying

Major Medical Coverage

Veterinary expenses can be unpredictable—our Major Medical Endorsements help ease the financial burden of unexpected accidents, injuries, or illnesses. Routine maintenance and preexisting conditions are not covered under major medical. Additional limitations and exclusions may apply depending on the policy and level of major medical selected.

$7,500 Major Medical Endorsement

Minimum Mortality Value Requirement: $15,000
Covers surgery, lameness, major illness, injuries, or disease
No co-payment
Deductibles starting at $1,000 per claim
Lameness Treatment Sub-Limit: $2,500 per policy period. Covers regenerative therapies like IRAP, PRP, Stem Cell, Laser Therapy & Shockwave Therapy.
Lameness Diagnostic Sub-Limit: $2,500 per policy period. Covers diagnostic tests such as X-rays, MRI, bone scans, & ultrasound.
Gastric ulcer treatment options available up to $2,500 per policy period.

$10,000 Major Medical Endorsement

Coverage similar to the $7,500 option but with a higher $10,000 limit and increased lameness coverage as listed below.
Lameness Treatment Sub-Limit: $3,500 per policy period. Covers regenerative therapies like IRAP, PRP, Stem Cell, Laser Therapy & Shockwave Therapy.
Lameness Diagnostic Sub-Limit: $3,500 per policy period. Covers diagnostic tests such as X-rays, MRI, bone scans, & ultrasound.
Gastric ulcer treatment available up to $2,500 per policy period.

$15,000 Major Medical Endorsement

Minimum Mortality Value Requirement: $25,000
The most comprehensive option with a higher limit of insurance and increased lameness coverage as listed below.
Lameness Treatment Sub-Limit: $5,000 per policy period. Covers regenerative therapies like IRAP, PRP, Stem Cell, Laser Therapy & Shockwave Therapy.
Lameness Diagnostic Sub-Limit: $5,000 per policy period. Covers diagnostic tests such as X-rays, MRI, bone scans, & ultrasound.
Gastric ulcer treatment options available up to $2,500 per policy period.

Stackable Coverage: Eligible policyholders can stack major medical endorsements to increase their total coverage (e.g, $10,000 major medical + $15,000 major medical for $25,000 in total coverage).

Expenses and Procedures not covered under Major Medical

Maintenance (Corrective Shoeing, Chiropractic Work, Swimming, Rehab, or Routine Joint Injections including steroids and/or H/A fluid replacement)
Pre-existing or congenital conditions
Elective or voluntary surgery
Necropsy expense
Any hospitalization or boarding charge from a facility that is neither an accredited school of veterinary medicine nor a licensed veterinary clinic.

Loss of Use Coverage

If your horse becomes permanently incapable of performing its intended use (e.g, cutting, reining, dressage, hunter/jumper competition) due to an injury sustained during the policy period, but does not require human destruction, this endorsement provides financial compensation. Not all breeds and disciplines are eligible for loss of use. Please contact our office for more information to see if your horse qualifies.

Coverage Highlights

Pays up to 75% of the horse’s insured value
Available on horses 3-12 years old and valued at $75,000 or greater
Option to retain ownership of the horse and receive 50% of the insured value

Coverage is subject to underwriting approval.

120-Day Extension of Benefits

The extension of benefits applies if your horse experiences an illness or injury during the policy term that is reported during the policy term and covered under the major medical, surgical, or colic endorsements. The coverage continues for an additional 120 days after the policy’s expiration for that reported claim.

Guaranteed Renewal Endorsement

Guaranteed renewal provides one additional year of mortality coverage with no exclusions should the horse become ill or injured during the policy period. To trigger coverage, you must notify the company of the condition prior to the expiration date of your current policy. Horses must be 15 years of age or younger at the end of the policy term to be eligible for guaranteed renewal

Equine Insurance Claims & Emergency Contact Information

We understand that emergencies can happen at any time. If your insured horse experiences an accident, illness, injury, surgery, death, or theft, you must report it immediately and follow the required claims procedures. Failure to report an incident promptly may jeopardize your claim payment.

How to file a claim

Contact your insurance provider’s claims department directly using the information below.

24/7 Emergency Claims: (833) 378-4632
Non-Emergency Claims: equineclaims@corespecialty.com

Claims Process: Important Do’s & Don’ts

Do:

Seek immediate veterinary care for any illness or injury.
Notify the underwriting company’s claims department right away.
Call our office to ensure you're meeting all policy requirements.
Keep all vet records and invoices for your claim.

Do Not:

Euthanize your horse without receiving prior approval from the claims department.
Proceed with surgery without obtaining approval from the claims department.
Bury your horse without performing a necropsy, as required by your policy.

Disclaimer:
The coverage information provided above is a general summary and is subject to the specific terms, conditions, and exclusions outlined in the policy documents. For complete details regarding coverage and limits, please refer to the official policy form. Coverage is also subject to applicable state laws, which may vary from the information presented. Always consult the specific quote and policy issued by the company at the time of purchase.

Ensure your claims process is handled correctly!

For guidance and support, our team is here to help you navigate the claims process smoothly. Contact us as soon as possible in the event of an incident.