American Livestock

Basic Equine Mortality Policies

American Live Stock Inc. offers three levels of Equine Mortality coverage. An American Live Stock Inc. agent representative will be able to assist you in choosing the coverage that best suits your needs.

Full Mortality including Theft

The Full Mortality/Theft policy provides the highest level of mortality coverage. It covers death as a result of all natural causes including accident, sickness or disease, or euthanasia if recommended by your veterinarian. It also provides coverage against theft of your horse. The coverage described below under Special Accident and Specified Perils is included in the Full Mortality policy.

Coverage requirements:

1. A fully completed, signed and dated application;
2. A satisfactory veterinary certificate of health carried out within 14 days of the coverage start date.

Special Accident

The Special Accident policy covers death only as a result of any external or visible accident.

Coverage requirements:

1. A fully completed, signed and dated application.

Specified Perils (Limited Risk)

The Specified Perils policy covers death as a result of fire, lightning, accident while in transit and other specifically named perils outlined in the policy.

Coverage requirements:

1. A fully completed, signed and dated application.

Note: For a small additional premium, you may broaden your Specified Perils coverage to include Optional Perils. Optional Perils includes loss from accidental shooting, drowning, artificial electricity, attack by wild dogs or wild animals, or collapse of building.

All applications and veterinary certificates of health must be submitted to the Company for Underwriter review and acceptance. Consult an American Live Stock Inc. agent representative to review your insurance needs.

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Surgical Coverage

American Live Stock Inc. offers two forms of surgical coverage, the Colic Surgery Endorsement and the Emergency Surgery Endorsement. Both forms are offered as complements to an annual Full Mortality/Theft policy. Only one form of surgical coverage can be applied to each horse insured for Full Mortality/Theft.

The Colic Surgery Endorsement may be added to the coverage on any animal for which we provide an annual Full Mortality/Theft policy regardless of age, use, or medical history.
Cost: $45/per animal
Coverage: 80% reimbursement of covered charges for abdominal surgery. Maximum payment $2,800.

The Emergency Surgery Endorsement (includes coverage for colic surgery) may be added to an annual Full Mortality/ Theft policy. Restrictions apply as to age, use and medical history. The ESE is not available in all states.
Cost: $90/per animal
Coverage: 95% reimbursement of covered surgery charges for life-threatening illness, injury or condition (including colic). Maximum payment $4,750.

Consult an American Live Stock Inc. agent representative to review your insurance needs.

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Guaranteed Renewal Full Mortality/Theft Policy for Hunter/Jumpers

If your horse ownership situation meets the following criteria, it is likely you qualify for the Three-Year Hunter/Jumper Full Mortality/Theft Program.

1. Maximum age of horse at beginning of program is no more than 10 years of age.
2. You plan on keeping your horse for three years or more.
3. You do not plan to increase the insured value of your horse.

Consult an American Live Stock Inc. agent representative to review your qualifications for this program.

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Short-Term Transit

An annual Full Mortality policy provides transit coverage (by ground or air) within the continental United States and Canada. There are occasions, however, when a short-term full mortality transit policy is all that is required.

This coverage is for transit only and is not intended to cover an animal in a racing competition or other performance venue.

Domestic Transit

We offer a standard 15-day Full Mortality/Theft policy for transit coverage within the continental United States and Canada. A fully completed, signed and dated application and satisfactory veterinary certificate of health are required at policy inception.

International Transit

Requests for international transit coverage are reviewed on an individual basis. A fully completed, signed and dated application and satisfactory veterinary certificate of health are required at inception.

Consult an American Live Stock Inc. agent representative to review your insurance needs.

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Specialty Coverage

• Stallion Infertility caused by Accident, Sickness & Disease
• Stallion First Season 60% Infertility Coverage
• Foal In-Utero coverage
• Mare Guaranteed Conception
• Loss of Use for Hunter/Jumper & Dressage Competitors
• Deductible programs

Consult an American Live Stock Inc. agent representative to review your insurance needs.

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