Questions & Answers
How does Equine Insurance differ from more traditional insurance policies?
Equine Insurance is very different from your home, auto, and health insurance policies. If you have a claim during the year, it does not result in surcharges. Instead, you will likely end up with an exclusion on your policy. Likewise, if your horse has a previously existing condition, it is likely to show up on your Equine Mortality policy as an exclusion.
How do I know if my policy will have exclusions?
We will know what, if any, exclusions will be placed on your policy at the time of binding. If you find that the exclusions are such that you do not want the policy, we can cancel the bind and negate the policy (as long as it is done within 30 days of the effective date with no claims having been filed).
Equine Insurance is very different from your home, auto, and health insurance policies. If you have a claim during the year, it does not result in surcharges. Instead, you will likely end up with an exclusion on your policy. Likewise, if your horse has a previously existing condition, it is likely to show up on your Equine Mortality policy as an exclusion.
Do exclusions last forever?
Equine Insurance is very different from your home, auto, and health insurance policies. If you have a claim during the year, it does not result in surcharges. Instead, you will likely end up with an exclusion on your policy. Likewise, if your horse has a previously existing condition, it is likely to show up on your Equine Mortality policy as an exclusion.
Where do these exclusions come from?
Equine Insurance is very different from your home, auto, and health insurance policies. If you have a claim during the year, it does not result in surcharges. Instead, you will likely end up with an exclusion on your policy. Likewise, if your horse has a previously existing condition, it is likely to show up on your Equine Mortality policy as an exclusion.
What is an exclusion?