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The following are optional endorsements that can be added to any standard mortality policy:

Major Medical (Equine Medical Insurance)
This coverage will protect you from incurring unforeseen expenses should your horse require medical attention (treatments and surgeries) other than routine care. A small deductible applies to each major medical claim.

  • Pays up to $7,500 per year
  • $200 deductible per claim
  • Premium - $200 per horse
  • Major Medical (equine health insurance) is not available for horses that are racing or over the age of 15 years or under the age of 31 days
  • Your horse can be insured for its fair market value, or less. Fair market value is generally considered to be the amount you could expect to receive if you sold your horse today. With a recent purchase, that would generally be the purchase price. If you have owned the horse for some time and it has increased in value, you have the option to insure for more than the purchase price.
  • If your horse is valued at $25,000 or less, has no record of health problems in the past year, and is over 30 days old, you may complete the Application and statement of health.
  • Horses valued over $25,000 or under 31 days will require an additional form completed by a veterinarian.

Loss of Use
Permanent inability to perform the use of the insured animal as stated on the policy.

  • Pays 60% of the value insured and the insurance company retains possession of the horse
  • Or, pays 50% of the value insured and the insured keeps the horse
  • Loss of Use is not available for all horses

Loss of Use coverage always requires a vet certificate and additional forms (please call to discuss).
 Horse Mortality Insurance

 Horse Mortality

You have made an investment in your horse and horse mortality insurance or equine mortality insurance can help with the monetary investment in case your horse dies due to an accident, sickness or disease depending on the language of your policy’s conditions and exclusions.

To provide a horse insurance mortality quote, we will need an application completed indicating the breed, age, use and value of the horse. Submit this information on the email form and we will respond to you with a price quote.

Full mortality coverage is "term" coverage. This means that the policy is written for one (1) year based on the application that was submitted. When the policy comes up for renewal, the underwriter will evaluate the health and insured value of the horse and advise us of their terms of renewal. If the horse has had any health problems in the past 12 months, exclusions may apply to the new policy term.

Unlike auto insurance where the rate may increase if you have claims, the standard rates will apply with possible exclusions for the reported condition. It is your responsibility to disclose all accidents, sicknesses, diseases, surgeries or injuries.

*****NOTICE:  Immediate notice of death, accident, sickness or injury of an insured animal must be given by telephone to:  VERIFACS  800-892-9369 

Click on the appropriate form name above to download a printable form.  You will need Adobe Acrobat in order to read and print the forms you need.

Apply Now:
Simply complete the appropriate forms below and submit them via fax, mail, or email to: 

Post Insurance 
P.O. Box 8447
Boise, ID 83707
Phone: 800-336-5601
Fax: 208-344-0651
Email: cvitek@postins.com

Our lead company for equine mortality insurance and equine health insurance is Travelers Insurance Co.  Travelers insurance policies offer outstanding claim service. We have received numerous compliments regarding the handling and payment of claims.  Please feel free to contact us for references.