Equine Insurance
Insurance for horses and their people.
Our equine insurance specialists are horse owners, riders and enthusiasts, and we’re here to help protect you and your horse, from coast to coast.
Your guide to equine insurance.
Our proprietary suite of insurance products, EquiCare, is highly specialized and designed to cover you for equine-related incidents. All EquiCare insurance products are exclusive to Acera Insurance.
Some of the benefits of EquiCare include:
- Safeguard against unexpected expenses for critical health situations
- Personal and commercial insurance available
- Related equine livestock and trailer liabilities
- Coverage for events, clubs, shows, and associations
Coverage across Canada.
Get equine insurance by phone or email from our specialized equine insurance team.
Common equine coverage, explained.
There’s a special bond between a horse and its owner. We know, because we’re horse people. Our policies are tailored to meet the needs of horse owners, providing peace of mind and financial security so that you can focus on enjoying time with your horse.
Major Medical & Mortality Coverage
Coverage for veterinarian expenses for a life- or health-threatening situation, as well as life insurance for your horse.
Equine Liability
Liability coverage for individual horse owners, or equine-related businesses and events such as farriers, boarders, trainers, shows, clinics, and officials.
Coaches & Trainers
Buy online and get the coverage you need as an equine coach in minutes thanks to our exclusive program.
Equine Clubs
Coverage for incidents related to operating an equine breed or discipline club or association. This exclusive program offers general liability and management liability for one low price.
Why choose Acera for equine insurance?
You and your horse are in excellent hands with our equine insurance specialists.
Canada’s Equine Insurance Partner
As the chosen insurance partner for Provincial Equine Associations across the nation, we’ve been insuring Canada’s equine community for over 25 years.
Specialized Protection
We know horses, not just horse insurance. Our equine insurance advisors are here to help you protect your equine investments so you can make informed decisions about coverage.
EquiCare Coverage
We developed and refined the EquiCare suite of insurance products over decades to protect all aspects of the risks posed by horse ownership and horse-related activities.
Helpful tips from our advisors.
We’re here to help you explore all your options when it comes to equine insurance.
Answering your most common questions.
How does equine mortality and major medical coverage work?
Mortality (life) insurance through EquiCare is available under two coverage types:
- Full Mortality – life of the horse is insured against death arising from any accident or any sickness. Full Mortality is available for horses aged between 30 days and 20 years.
- Named Perils – insures the life of the horse for death arising from a list of “named” perils detailed in your policy wording.
Major medical and surgical coverage 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.
Learn more about EquiCare Mortality and Major Medical coverage.
What insurance coverage do I have with my provincial or territorial equine association?
We strongly recommend that all equine industry participants maintain membership with their Provincial or Territorial Equine Association. You’ll be able to take advantage of the many membership benefits, including insurance:
- Personal Liability Insurance – up to $5,000,000
- Accident, Death and Dismemberment Insurance – up to $40,000
Learn more about Equine Association Insurance coverage.
What types of equine business do we cover?
- Boarding Facilities
- Breeding Operations
- Clinics
- Farriers
- Instruction
- Pony Rides/Trail Ride & Pack Trips
- Shows & Competitions
- Leasing
- Therapeutic Riding
- Training of Horses
- Equine Assisted Learning/Growth
Learn more about our Commercial Equine Liability coverage.
How do I get the best rates on my equine policies?
Being proactive and a part of the risk management of your horse qualifies you for the most favourable rates.
Things you can do to help yourself include:
- Be a member in good standing of your Provincial /Territorial Equine Association
- Have your horse examined at least once a year by a licensed veterinarian
- Work with a qualified farrier
- Have a dental and parasite exam at least once a year
- Work with a trusted equine professional
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