EquiCare – Medical & Mortality Insurance
Secure care for your horse’s health and future.
Developed by equine insurance specialists and available exclusively through Acera Insurance, EquiCare protects thousands of horse owners against the unknown.
Life insurance on your horse.
Mortality (life) insurance through EquiCare is available under two coverage types:
Full Mortality
This coverage means that the life of the horse is insured against death arising from any accident or any sickness and includes euthanasia by a veterinarian. Full Mortality coverage is available for horses aged between 30 days and 20 years.
Named Perils Mortality
This coverage insures the life of the horse for death arising from a list of “named” perils detailed in the policy wording. It covers losses from such causes as fire, lightning, collapse of a building, transport, entrapment, drowning, impact by a vehicle, government order and others. Horses aged 30 days or older are eligible for Named Perils Mortality coverage (no maximum age). As this is a more restrictive coverage, rates are lower than for Full Mortality.
Please note:
- Full Mortality coverage includes all of the Named Perils.
- Named Perils Mortality does not cover death arising from sickness.
Major medical and surgical coverage.
This coverage is an option that most of our clients take advantage of and can be purchased if the horse is insured under a Full Mortality policy. This extension will provide coverage if you incur unexpected veterinarian expenses for a life or health-threatening situation and includes surgical and non-surgical procedures.
It does not cover incidental and routine vet expenses (inoculations etc.) and is subject to a deductible/co-insurance contribution. You can choose an annual limit that best suits your needs from $2,500 to $15,000 per policy term to horses aged between 6 months and 18 years.
Speak to a specialist.
Get in touch with a dedicated advisor on our equine insurance team and we’ll get to work building the perfect coverage for you.
Our manual for equine risk management.
Acera Insurance has developed a manual that helps to educate and protect you against risks associated with equine related exposures with. In consultation with thousands of equine industry participants over the last 25 years, this information has become a point of reference for government, equine associations in Canada and beyond.