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Horse Health Insurance California | Equine Mortality Surgical Coverage

Here at Laurel Fowler Insurance Broker, Inc., it's our goal to give you peace of mind regarding the health and well being of your horse.  Horse and Equine Mortality is a Life Insurance policy for your horse, with you as a beneficiary. It is an “All-Risk” policy, which will cover death from any cause, subject to certain exclusions which are stated in the policy. We will also pay you if your horse is stolen. We will pay the actual value of the horse at the time of the accident or illness causing its death, not exceeding the value specified in the schedule.  Keeping your horse healthy requires good nutrition, exercise, affection, and good medical care. Medical care for your horse can get expensive but our Horse and Equine Major Medical Health Insurance can help defray these costs.

We offer many different types of insurance for your equine needs. These types include:

Valuable Optional Cover:

It’s easy to tailor your insurance program to meet your specific needs. Choose the overages that are right for you from the following options, which can be added to your policy for a nominal charge.

Loss of Use Endorsement:
This coverage protects you from financial loss if your insured horse can no longer fulfill the function for which it is used, as stated in the policy.

Horse | Equine Surgery Expense Option:
This coverage for surgical expenses incurred to save the life of an uninsured horse if surgery is required as a result of an accident, injury, or sickness or disease.

Major Medical and Loss of Endorsement:
If your horse requires surgical or medical attention as a result of an accident, injury, sickness or disease, this endorsement will reimburse you.

We can also write coverage for the following:
Accident, Sickness, & Disease (AS&D) Stallion Infertility
Surgical Coverage
Loss of Use Protection
Foal Insurance
Trip Transit

We are very fortunate to represent many of the finest companies providing these coverage’s, allowing us to offer very competitive rates on all of our products. For more details and questions, please contact Laurel Fowler Insurance Broker, Inc. toll free at 1 (800) 700-6263. We also have brochures available

Insurance application PDF's to download:

Equine Mortality Application
Equine Value Justification
Stallion Statement of Condition
Vet Check Form
Loss of Use
Animal Mortality for Horses
Statement of Condition

See below to submit your information online.

*Please note: This website provides only a simplified description of coverage’s and is not a statement of contract. Coverage may not apply in all states. When you receive your policy please read the complete details on coverage’s, limits, conditions, exclusions and all endorsements.

Select your number of horses (up to three)
Horse Number 1
Horse Number 2
Horse Number 3