Q2) What is Full Mortality Insurance (Life Insurance)?
Full Mortality covers the horse's death by infection, disease, injury, or
accident. This form of insurance also covers euthanasia in cases where keeping
the horse alive would cause inhumane suffering. Full Mortality insurance
generally includes theft coverage.
What are the limits of mortality insurance?
The owner is responsible for providing suitable veterinary care for that
horse. If any injury or illness should occur, the owner must not only provide
veterinary care, but must notify the insurance company immediately. For this
reason, horse owners should keep the toll-free telephone number of the insurance
company on hand at all times, and make it available to anyone else who is
handling or keeping the horse. Many insurance companies now provide horse owners
with a card to place on their horse's stall, so that the telephone number will
be accessible to stable staff.
It is the horse-owner's responsibility to ensure
that the custodians of his horse(s) are made aware of the need to notify the
insurance company immediately if the owner is absent when an injury or illness