SERVICES

 

Equine Mortality Insurance is a form of non-guaranteed renewable term life insurance for valuable equine. The policy covers against loss by death from all natural causes including death from sickness or disease, or accident, fire or lightning, occurring within the term of the policy. Theft coverage (excluding straying or mysterious disappearance) is included under the basic mortality policy, at no additional charge.

 

Emergency Colic Surgery Expense Coverage is included on all Equine Mortality policies, at NO ADDITIONAL CHARGE with most companies. This provides coverage for the lesser of $3,000 or 50% of the amount of mortality coverage for the covered expenses of colic surgery, associated post-operative care, and third-party emergency transportation.

OPTIONAL COVERAGES

 

SURGICAL EXPENSE

Surgical Expense Coverage provides for up to $7,500 of insurance with a $250.00 deductible for surgical expense incurred to save the life of an insured equine, when surgery is required as a direct result of an accident, injury, sickness or disease. This coverage is added by endorsement to a full mortality policy for an additional premium.

 

AN ADDITIONAL PREMIUM OF $100.00 is charged for each equine to which the Surgical Expense Coverage applies. The premium charge for this coverage is fully earned upon issuance and is not refundable in the event of cancellation by the insured.

 

MAJOR MEDICAL EXPENSE

Major Medical Expense Coverage provides a choice of $5,000.00, coverage with $500.00 deductible, $7,500.00 coverage with $300.00 deductible, or $10,000.00 coverage with $500.00 deductible for medical or sugical expenses of a veterinarian associated with a Covered Equine, when such expenses are a result of accident, injury, sickness or disease. Major Medical will not be offered on equine used for flat track racing.

 

This coverage is added by endorsement to a full mortality policy for an additional premium of $225.00 for $5,000.00 coverage, $275.00 for $7,500.00 coverage, or $350.00 for $10,000 coverage. The charge for this coverage is fully earned upon issuance and is not refundable in the event of cancellation by the Insured. If the company cancels, a pro rata refund is given. Coverage is subject to a $500 deductible per claim under this endorsement.

 

LOSS OF USE

Loss of Use covers an equine that becomes unfit for the first “use” specified for it in the policy due to accident, injury, sickness or disease. The coverage for such loss of use is provided up to 60% of the applicable limit of insurance. This coverage can be added to a Full Mortality Policy by endorsement at an additional premium rate of 3.90% of the amount of insurance. This coverage is not available for flat track racing animals.

Contact Us

Knorpp Bloodstock Insurance Agency, LLC

P.O. Drawer A

Clarendon, TX 79226-2001

Be sure to visit our sister agency

Knorpp Insurance Agency, Inc.

Copyright 2013    Knorpp Bloodstock Insurance Agency, LLC

PHONE: (806) 874-3521

FAX: (806) 874-2307

TOLL FREE PHONE: (800) 858-4331

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