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Insurance and Services provided by
Members of AIG Commercial Insurance Group, Inc.
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Coverage Summary
Full Mortality covers death as a result of a covered accident, illness or
disease anywhere in the United States of America, its territories and possessions,
Puerto Rico and Canada and includes loss or death as a result of theft as well.
The premium is a percentage of the animal's value, and is based on the use,
breed, sex and age of the horse. The Full Mortality policy includes up to $3,000 of emergency colic surgery coverage at no additional charge.
Full Mortality policies automatically include a Twelve Month Extension of mortality coverage for all horses other than thoroughbreds under twenty (20) years of age. This extension is also automatically included on all thoroughbred horses under eighteen (18) years of age. The Twelve Month Extension provision extends mortality coverage to respond if an insured animal dies within twelve months of the policy expiration from an injury or illness that is reported to the insurer while the policy is in force.
In the event of a mortality claim, it will be settled on a fair market value
basis, which means that you will be paid what the horse is worth at the time of
the accident, illness, injury or disease causing its death, up to the limit stated
in the policy. An Agreed Value loss settlement option is available at no additional charge.
AIG Programs offers brokers and insureds the flexibility to increase a horse's insured
value at any time during the policy period - so the limit of insurance keeps pace
as the value of the animal is enhanced by industry recognition, race performance,
training, etc.
Key Extensions
Various coverage endorsements are available to extend protection to key
areas, including medical and surgical costs and "loss of use". Optional
enhancements that may be added to a mortality policy include:
Fast-Track Claims Service
AIG Programs makes experienced specialists available round the clock to respond to claims.
Located throughout a nationwide claims network, these specialists work to ensure that its
customers receive courteous service and prompt claims payment.
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Download a Sample Policy
All of our coverage forms are available for download in Adobe Acrobat format.
If you don't have Acrobat Reader, you may download it by following the link at the
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Full Mortality Coverage Form
Emergency Colic Surgery
Twelve Month Extension (Other Than Thoroughbred)
Twelve Month Extension (Thoroughbred only)
Major Medical & Surgical ($2,500, $5,000, $7,500, $10,000 & $12,500 limits)
Surgical Procedures ($2,500, $5,000, $7,500 & $10,000 limits)
Loss of Use (Accidental, External & Violent Injury Only)
Stallion Permanent Disability
Agreed Value
Worldwide Coverage
AIG Programs is a division of the member companies of AIG Commercial Insurance Group. All products are written by member companies of AIG Commercial Insurance Group, Inc. This product description is for informational purposes only and does not provide a complete description of coverage terms and conditions. Please refer to the actual polciy for complete details. Coverage may not be available in all jurisdictions. Non-insurance products and services may be provided by independent third parties.
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