Who is Eligible?
Any individual who owns a horse used for sport or pleasure
Which risks are ineligible for this plan?
Any individual who owns a horse that is used in a business, occupation, or profession is not eligible for this program. This includes riding instructors, either full or part-time; professional show riders; or individuals who own racehorses.
Coverage is provided if an insured animal dies because of accident, illness, injury or disease. Coverage is also provided from humane destruction to relieve incurable and excessive suffering if caused by an insured peril.
Coverage is provided against the risks of physical loss or damage to owned tack. (Tack is defined as saddles, bridles, bits and other riding equipment, but not riding apparel.)
Saddle Animal Legal Liability $100,000 or $300,000
Protects the insured\'s liability for bodily injury or property damage resulting from the ownership of the horse described in the declarations page of the policy.
Medical Payments $1,000 each person OR $25,000 each accident
This coverage pays medical expenses incurred by persons who are not insured, if the bodily injury is caused by an insured animal.
Accidental Death Coverage $10,000
This coverage will pay if an insured loses his/ her life because of an accident resulting from the ownership, maintenance or use of an insured animal.
Medical Reimbursement $1,500
It will pay medical and dental expenses incurred by an insured because of an accident resulting from the ownership, maintenance or use of an insured animal.