CLAIMS CLIENTS



COVERAGES

EQUINE:

LIVESTOCK MORTALITY/ THEFT
The Livestock Mortality/ Theft policy is a Life Insurance policy for your horse(s) or cattle, with the insured as the beneficiary. It is an “All-Risk” policy which will cover death, theft and humane destruction, subject to certain exclusions which are stated in the policy.

We will pay the actual value of the animal at the time of the accident or illness causing its death, not exceeding the value specified in the schedule. If your horse is sick or injured before the policy expires and you have reported this to us, we will extend your mortality coverage for an additional 12 months should the horse die within that time from the same cause. With guaranteed renewal or if you do not renew you have a 120 day extension of benefits.

Vet Exams will be required if insuring foals between 24 hours old and one year, horses 1-14 valued over $100,000, or horses 15 and older valued over $50,000. Vet Exams are required on cattle if they are valued over $10,000. Vet Exams may be required in other cases at the Underwriting Company’s request.

We will issue a Livestock Mortality/ Theft policy provided the insured’s horse(s) is in sound health at the inception of the policy. We also assume you will provide proper care and attention for the horse and that you will employ a licensed veterinarian at your expense if the horse suffers any illness, disease, lameness, injury, accident or physical disability. In addition, if your horse dies, you are required to arrange and pay for a necropsy.




MEDICAL ENDORSEMENTS:

COLIC ENDORSEMENT ($150 Per Horse)
This endorsement covers Colic Treatment and Surgery for horses 30 days old through the age of 20 years. There is a $250 deductible for each claim and a 20% coinsurance on diagnostics with a $10,000 limit per animal per year. Available for all horses, including race horses.

SURGICAL ENDORSEMENT ($150 Per Horse)
Should your horse require surgery performed under general anesthesia, this endorsement will cover the Surgical Procedures. We will pay reasonable and customary charges for surgical treatment, including anesthesia, necessitated by accident, illness or injury. There is a $250 deductible for each claim and a 20% coinsurance on diagnostics with a $10,000 limit per animal per year. The Surgical Endorsement is available for horses 30 days old through the age of 20 years. Certain exclusions apply, including
racehorses, castration and cattle.

$10,000 MAJOR MEDICAL ENDORSEMENT ($475 Per Horse)
This insurance reimburses for veterinarian’s fees for surgery and major illnesses and disease. We will pay reasonable and customary charges necessitated by accident, injury or illness for your insured horse. There is a $500 deductible for each claim and a 20% coinsurance on all treatment with a $10,000 limit per animal per year. This coverage will help control veterinarian expenses for unforeseen events dealing with the health of your animal. Available for horses 30 days old through the age of 20 years. Not available for horses valued less than $15,000, race horses or cattle.

$15,000 MAJOR MEDICAL ENDORSMENT ($675 Per Horse)
This insurance reimburses for veterinarian’s fees for surgery and major illnesses and disease. We will pay reasonable and customary charges necessitated by accident, injury or illness for your insured horse. There is a $500 deductible for each claim and a 20% coinsurance on all treatment with a $15,000 limit per animal per year. This coverage will help control veterinarian expenses for unforeseen events dealing with the health of your animal. Available for horses 30 days old through the age of 20 years. Not available for horses valued less than $15,000, race horses or cattle.

** If eligible all medical endorsements are stackable. For example, $25,000 of Major Medical
coverage is obtainable at a premium of $1150.00

LOSS OF USE ENDORSEMENT
(4.5% of Insured Value and requires a Major Medical or Surgical Endorsement)
This coverage is available on Cutting, Reining, Hunter/Jumper, Dressage, and Show Horses valued between $25,000 and $500,000, 3-12 years of age, and is pending our Underwriting Company’s approval. The Loss of Use will provide coverage if your horse becomes permanently incapable of fulfilling the functions for which it is used as stated on your policy, for any reason, but its condition does not necessitate destruction for humane reasons. If you purchase the Loss of Use endorsement we will pay you 70% of the insured value of the disabled horse. If you wish to keep the horse, we will pay you 50% of the horse’s insured value.

ACCIDENT, SICKNESS, AND DISEASE FERTILITY ENDORSEMENT
(0.5% of Insured Value) for Stallions
This endorsement will reimburse you up to the full value of your horse, between 1 and 14 years old, should he become permanently incapable of servicing a mare due to a specific accident, sickness or disease that occurs within the policy term. If a claim is paid under this coverage, the company does have the right to take possession and title of the horse. Certain exclusions apply, including congenital condition.


Coverage is not bound via a voicemail, email, or a fax. Please contact our office at
(800) 972-0272 to speak with a Justin Insurance Agent to begin coverage. Current coverage and rates are effective as of 2012. Please contact our office for current information.


FARM AND RANCH:

WE COVER:
• FARM & RANCH OWNERS
• COMMERCIAL EQUINE
• INDIVIDUAL HORSE OWNERS
• CARE, CUSTODY, AND CONTROL
• SHOWS, CLUBS, AND EVENTS



Please call our office and speak to one of our Farm and Ranch Agents for a quote or for current policy wording.

We are proud to provide both equine and ranch insurance for- Carol Rose Quarter Horses, Stephanie & Charles Roven with Rancho Reata, Danny Motes, and Bronc & Patty Willoughby.