If your horses are more family than livestock, you’re not alone. At Sea Mountain Insurance, we hear from clients across the country who own thoroughbreds, Arabians, Quarter Horses, and more—not for competition or breeding, but simply as beloved pets.
One recent question we received inspired this post:
“We have six thoroughbred horses that are pets only. Does your company offer mortality insurance—and is there an age limit for coverage?”
While equine mortality insurance is most commonly associated with show horses, racehorses, or breeding animals, it’s also a smart choice for horse owners who simply want peace of mind. Whether your horses are high-performance athletes or pasture companions, you’ve invested emotionally and financially in their well-being. Mortality insurance helps protect that investment in the event of a sudden or unexpected loss.
Yes—but it’s flexible.
Most equine mortality policies cover horses between the ages of 24 hours and 17 years, although coverage can extend beyond 17 depending on the health and intended use of the horse. Older horses may still be eligible with a veterinary exam and approval. Since your horses are pets, and not under physical stress from competition, they may qualify for coverage longer than high-performance animals.
At Sea Mountain Insurance, we work with carriers who understand that senior horses are often just as cherished as young ones. We’ll help you find the best option based on your horse’s age, health, and lifestyle.
Basic equine mortality insurance typically covers the death, theft, or humane destruction of your horse due to:
You can also add optional coverage like:
It depends on your comfort level and what your horses mean to you. If you’ve spent thousands caring for your horses—or simply want a way to soften the financial and emotional blow of a loss—mortality insurance is a smart layer of protection. It won’t ease the heartbreak, but it can help you recover and make future decisions with peace of mind.
We specialize in custom equine insurance policies for horses of all kinds—including cherished pets. Whether you have one senior mare or a full barn of retired champions, we’ll help you find coverage that fits your needs and your heart.
Give us a call today or use our quick form to get a quote.
