You do not need to know every insurance term or decide exactly which coverage you want before asking us for an equine insurance quote. We would rather start with the horse.
Our quote form asks for enough information to understand the horse, the way the horse is used and the coverage you are interested in. Once we have that, our team can work with the underwriter to see what may be available and what additional information may be needed.
Tell Us About the Horse
We start with the basics, including the horse’s name, breed, age, sex, location and primary use. That could mean trail riding, dressage, barrel racing, breeding, showing, racing or another discipline.
A horse’s use can change the underwriting conversation, so be as specific as you can. If the horse has more than one use, tell us that too.
Tell Us About the Horse’s Value
We will ask for the purchase price, current estimated value and how that value was determined. Training, development, breeding value, recent comparable sales or other documentation may all be part of that discussion.
Bascule writes mortality coverage on an agreed-value basis, so the requested insured value needs to be established during underwriting. If the horse is worth more today than when you bought it, tell us how you arrived at the current value.
Tell Us About Health History and Prior Claims
We also ask about previous illnesses, injuries, surgeries, colic, lameness and prior claims. Include the history as accurately as you can so we can give the underwriter a clear picture from the start.
A previous medical issue does not automatically mean coverage is unavailable. It may result in additional documentation, an exclusion or another underwriting decision based on the individual horse.
Tell Us What Coverage You Want to Discuss
Our form includes Equine Mortality Insurance, Major Medical with Coinsurance, Major Medical without Coinsurance and Colic Coverage. You can select the areas you are interested in even if you are not sure which option is the best fit.
Once we review the horse’s information, we can explain how the available options differ. Coverage limits, deductibles, coinsurance, sublimits and exclusions vary by product and underwriting.
You May Need Additional Veterinary Information
Some horses require more documentation than others. Depending on age, value, medical history and requested coverage, underwriting may ask for a Declaration of Health, Veterinary Certificate, veterinary records or other supporting information.
You do not need to collect every possible document before you begin. Send us what you know, and we can tell you what is needed next.
What Happens After You Submit the Form?
Your equine insurance request comes to our office in Grand Ledge. My team and I review the information, work with Bascule on the underwriting questions and follow up with you by phone, text or email.
We handle the conversation with you throughout the quote process, from gathering information to explaining the available options. If the underwriter needs something more, we will let you know.
Start With What You Know
You do not need to arrive with every answer or a policy already picked out. Tell us about the horse, what you want to protect and any questions you already have, and we can work through the rest from there.
If you are ready to look at equine mortality, major medical or colic coverage, our equine insurance form is the place to start.
