Licensed in 45 States • A-Rated Carriers • Industry Specialists • 24/7 Claims Support
What Equine Insurance Covers?
Whether you own a single pleasure horse or run a full boarding and training operation, equine insurance protects the financial investment you've made in your animals and your business.
Remuda Insurance Group builds equine insurance policies around how you actually work, not a one-size-fits-all product. Coverage is available for individual horse owners, commercial operations, trainers, breeders, boarding facilities, and equine organizations across 45 states.
COVERAGE OPTIONS
Equine Mortality Insurance
-
Full mortality coverage
-
Covered causes, including accidents, illness, and injury
-
Agreed value policy — no market dispute at claim time
-
Available for horses ages 24 hours to 16+ years
Major Medical Coverage
-
Coverage for illnesses, dieseases, and injuries
-
Available for horses insured at $15,000 and above
-
Various annual limits available
-
Additional colic surgery coverage
-
Can help with EPM, lameness, respiratory conditions
Emergency Colic Surgery
-
Included with mortality policies up to $5,000 in coverage
-
No deductible on ECS endorsement
-
Stackable with major medical
Surgical Equine Extra
-
Available in leu of major medical and at all values
-
Reimbursement up to the $5,000 limit
-
Result of an accident, injury, or illness
-
Excess coverage over the colic surgery benefit provided with our standard mortality coverage
Horseman’s Enhancement
-
Insures up to $50,000 in tack coverage
-
Covers $500 in necropsy or burial expenses
Bought Today. Covered Today.
-
We can place coverage the same day given a signed application
-
Provides Peace of Mind on the drive home
Coverage by Discipline
Why Horse Owners Choose Remuda Insurance Group?
We're active in 45 states — one policy, one agent, no matter where your horses travel.
Licensed in 45 States
We work only with financially strong, A-rated insurance carriers. Your claims will be paid.
A-Rated Carriers Only
Our agents understand horses and equine operations — not just insurance paperwork.
Equine Industry Specialists
Emergencies don't follow business hours. We're available when you need us most.
24/7 Claims Support
Every policy is built around your horses, your operation, and your risk tolerance.
No One-Size-Fits-All Policies
Frequently Asked Questions
Equine insurance covers mortality (death of your horse), theft, major medical (vet bills for illness or injury), and surgical coverage. The exact coverage depends on which types of policy you choose. Most horse owners start with mortality and add major medical.
Full mortality insurance for most horses costs between 2.8% and 3.6% of the horse's insured value per year.
Yes — if you have major medical or surgical coverage, or the free Emergency Colic Surgery endorsement that comes with most mortality policies.
Yes. Commercial equine insurance is available for boarding barns, training operations, riding schools, breeding farms, and other equine businesses. Personal horse owner policies do not cover commercial activities — you need a commercial policy if horses are part of your business.
Not always. Most carriers do not require a vet exam for horses valued under $25,000 that are sound and healthy. Higher-value horses, horses applying for loss of use coverage, and horses with known health history may require a veterinary certificate.
We are licensed and actively writing policies in 45 states. Contact us to confirm coverage availability in your specific state and operation type.