It is important that your equine operation is protected by a company with a strong financial background, as well as established equine expertise. Great American offers this stability through its Equine Mortality Division.

Great American's Equine Mortality Division has served the equine industry for over 10 years. Our knowledgeable agents, underwriters, customer service representatives and claims staff possess the knowledge and experience to handle all facets of equine operations.

Livestock Mortality is a Life Insurance policy for your horse, with you as beneficiary. It is an “All-Risk” policy which will cover death from any cause, subject to certain exclusions, which are stated in the policy.

We will also pay you if your horse is stolen.

We will pay the actual value of the horse 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 the sickness or injury to us, we will extend your coverage for 90 days and pay your claim should the horse die within that time from the same cause.

Should your insured horse require surgery, this endorsement will cover the costs. We will pay reasonable and customary charges for surgical treatment (including anesthesia) necessitated by accident, injury or illness. In addition to the surgery, we will pay up to 35% of the surgical fees for any hospitalization, X-rays, medication and lab tests that are necessitated as a result of the surgery. There is a $50 deductible for each claim, and a $5,000 limit per animal per year.

This insurance reimburses the veterinarian’s fees for surgery, major illness and disease. We will pay reasonable and customary charges necessitated by accident, injury or illness for your insured horse. There is a $250 deductible for each claim, and a $7,500 limit per animal per year. This coverage will help you control veterinary expenses for unforeseen events related to the health of your animal.

If your horse becomes totally and permanently incapable of fulfilling the functions for which it is used, as stated on your policy, but its condition does not necessitate destruction for humane reasons, you may suffer a financial loss. The Loss of Use extension will pay you 75% of the animal’s value if you choose economic destruction, or the Company may take possession and title to the horse.

Full X-ray reports and soundness exams are required for approval at the inception of the endorsement.