Horse mortality insurance helps horse owners manage the financial loss from the unexpected death of a horse. Acera Insurance’s EquiCare program offers tailored coverage, and starting Jan. 1, 2026, equine owners in Canada can more easily purchase full mortality coverage for healthy horses as members of their provincial sport organization membership, with no extensive paperwork required.
The harsh reality of loving an animal is that one day you’ll have to say goodbye. Any equine enthusiast knows how hard it is to lose a beloved horse, especially if it is sudden. Colic, injuries and accidents unfortunately happen and are the reality of owning and caring for horses.
Losing a horse can also mean suffering a significant financial loss. In those moments, the EquiCare team is here to provide support.
Developed by equine insurance specialists and available exclusively through Acera Insurance, EquiCare protects horse owners against the unexpected by offering coverages that are tailored to your unique needs.
What is equine mortality insurance?
Mortality (life) insurance through EquiCare is available under two coverage types:
Named perils mortality
Named perils mortality insures the life of the horse for death resulting from a list of “named” perils detailed in the policy wording. It covers external losses from such causes as fire, lightning, collapse of a building, transport, entrapment, drowning, impact by a vehicle, government order and others. However, it does not cover death from sickness. Named perils mortality coverage can be purchased for horses 30 days or older and there is no maximum age.
Full mortality
With full mortality coverage, the life of the horse is insured against death resulting from any accident or sickness. Full mortality coverage is available for horses aged between 30 days and 20 years and provides very broad coverage.
How to purchase horse mortality insurance
Starting Jan. 1, 2026, Acera Insurance will make it much easier for horse owners in Canada to secure equine mortality insurance.
The real perk? No veterinary inspection or extensive paperwork are required for most horse owners. Instead of submitting vet certificates or valuations, you can simply answer a few questions online, and your horse will be instantly covered, offering a simple and affordable way to protect your investment without delays.
“This new online approach is a significant change in how mortality insurance for horses in Canada is managed,” says Mike King, Partner and National Director of Equine Programming at Acera Insurance. “We know this will encourage more members to cover what is important to them at a cost that makes sense.”
Questions?
Our equine insurance offerings are tailored to the unique needs of horse owners, providing peace of mind so you can focus on enjoying the training process with your horse.
Protect your horse’s health and your investment – contact Acera Insurance’s equine experts today: 1.800.670.1877 | agri@acera.ca.
Get a quote.
Simply fill out a few details in our online form and one of our expert advisors will get your quote started.
Information and services provided by Acera Insurance, Acera Benefits and any other tradename and/or subsidiary or affiliate of Acera Insurance Services Ltd. (“Acera”), should not be considered legal, tax, or financial advice. While we strive to provide accurate and up-to-date information, we recommend consulting a qualified financial planner, lawyer, accountant, tax advisor or other professional for advice specific to your situation. Tax, employment, pension, disability and investment laws and regulations vary by jurisdiction and are subject to change. Acera is not responsible for any decisions made based on the information provided.