FAQ's

At least 30 days prior to the expiry date of your policy you will receive your renewal information; letter, application and veterinary certificate (if required) in the mail. Once you have completed all the required paperwork you may fax, email, or post it to us. Once our office has received the paperwork, we will confirm that we have received it and begin processing your renewal accordingly.

No, Underwriters require renewal paperwork every year.

No, insurance is a binding contract and therefore, Underwriters require a completed application in order to renew coverage.

We must receive the renewal paperwork prior to taking any payment.

Send in your renewal application immediately and notify us that you are waiting on the vet to come out to complete the veterinary certificate. Once the veterinary certificate has been completed, please be sure it is forwarded over to our office and if payment has been received, we will process your policy and email it to you for your records.

If the claim is an emergency and requires immediate assistance you may call our office and the message will be delivered to our claims department manager, Erin Richards. If you are just letting know of a potential claim that is not life threatening, feel free to send us an email at erin@jarvisinsurance.com or call the office and we will be more than happy to talk you through the next steps of processing your claim.

Depending on what company you are with will determine how you pay your Equine Mortality policy. If you’re with Great American, you should receive a bill directly from them and you will pay through them. If you’re covered through General Security National Insurance Company, you may call us for your balance and pay via credit card or check.

In order to delete a horse from your policy Underwriters require written confirmation of the change. Please include the name of the horse and the date of cancellation and email or fax it to us. Once we have received it, we will begin processing the endorsement.

In order to increase your horse’s mortality value, we will require an updated application and reasoning behind the increase.

Yes, you may self-insure whatever amount you wish to. Just be sure that when you complete the application in the “Amount of Insurance Desired” box you put the amount that you wish to cover the horse for.

Insured values are based on the current market, i.e., how much could you sell your horse for today. The combined elements of age, show record/racing record, prize money winnings and progeny can all be included to determine the proper insured value for your horse.

Underwriters require a completed application to add any major medical or surgical coverages to your current mortality policy.

Major Medical coverage is for catastrophic events and assists you with veterinary bills related to accident, illness and injury for treatment and surgery. Surgical coverage covers surgery and post-care for up 30 days depending on the limit of coverage. Life-saving surgery coverage covers the surgery and 50% of post-care cost minus your deductible.

Once the mare is confirmed 40 days in foal by a veterinarian who confirms that there is a single, viable fetus.

Yes, we offer Worldwide Coverage and Single Air Transit. Reach out to our office to quote this coverage for you.

We do not offer short term or transport coverage if you wish to have short term coverage you may complete an application and once coverage is no longer desired you may cancel the policy at any time and any unused portion of the premium will be returned to you.

Complete an application and in question #2, “Does anyone else have interest in the horse?” mark yes and be sure to include their full name, address, email and phone number and we will be sure to send them an Evidence of Property to confirm you have coverage.

Underwriters will no longer insure for Mortality and Major Medical once your horse reaches the age of 21. If you still desire coverage after the age of 21, we can write a Specified Perils policy. If you’re looking to insure a horse over the age of 15, we will require a completed application and veterinary certificate to incept coverage. Underwriters will have to agree to coverage prior to issuing the policy.

Yes, we can incept coverage from 24 hours until 30 days at an increased rate so long as the IgG level is above 800. If you wait until 31 days after birth the foal will be eligible for Emergency Colic Surgery and Major Medical coverage and a reduced rate.

Yes, we do offer an auto-pay option. Just let our accounting department know that you would like automatic withdraw and the payments will be taken on the 15th of each month.

We do offer a two-pay or four-pay plan for your convenience. The four-pay plan is 25% of the total premium and due every other month on the 15th.

We do not store credit card numbers in the office. When your policy renews, you will have to provide this information to our accounting department again.

Smart Pak’s colic coverage will be utilized first and if there is a remainder still to be covered your Emergency Colic Surgery coverage will respond next.

In order to bind coverage on a horse you just purchased you will need to complete an application. Once we have received the completed application you will receive notification from our office that coverage is bound and once payment has been secured the policy documents will be emailed to you.

f you had a claim in the past two years Underwriters will require a veterinary certificate regarding previous reason for the claim. If you’re insuring for the first time and the value of the horse is above $50,000 Underwriters will require a veterinary certificate. If you’re renewing your horses’ coverage and the value is above $75,000 a veterinary certificate will be required. If your horse is over the age of 16 Underwriters require a veterinary certificate.

No, we insure any breed of horse.

Since insurance is a binding contract, we cannot transfer your coverage to the new owner. The new owner will be required to complete an application for their coverage. If the purchase price is above $50,000, they will also be required to have a veterinary certificate completed to incept coverage.

If you are leasing a horse, then the owner would be a loss payee and their information can be provided in that section of the application.

There is a minimum policy premium of $200 and a minimum horse premium of $200.

Diagnostics, surgery (if required) and treatment resulting from accident, illness, or injury. Think of it as hospitalization coverage for horses.

No, vaccinations and routine care are not covered under the Major Medical coverage. Major Medical is reserved for catastrophic events.

Not if they are being completed for maintenance and performance aspects. If they are at a veterinarian’s recommendation for a covered injury, we can submit to Underwriters for approval.

Yes, so long as they are not a pre-existing condition for a limit up to $2,500.

There are no deductibles on equine mortality coverage, surgical coverage or emergency colic surgery. There are deductibles on major medical (either $500 or $1,000) and life-saving surgery ($100 deductible).