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When you need help, we are here for you.

If you have a critical horse health issue (impending death) -
DO NOT EUTHENIZE THE HORSE before calling the CLAIMS PHONE NUMBER listed on the declaration page of your policy.

This number is answered 24/7.  

Equine policy numbers beginning with 109 or 215: call 888-523-5878 to open a claim.
For Equine policies starting with EMP: call 800-783-9418 to open a claim. 

If you have other, non-life threatening horse health issues, please contact our office, and we'll be happy to discuss.

Should your covered horse pass away suddenly, please call the phone number on your policy. 

Losses involving your automobile or trailer, please call the CLAIMS NUMBER listed on your auto liability card. 

Accidents/incidents involving your home or business, damage to your ranch, estate, or covered equipment, please contact our office as soon as possible or call the claims number listed on your declarations page.  

What Should I Expect When I File a Claim? 

An accident or loss can be devastating, frustrating, stressful, and confusing. Whether you are dealing with a horse's health crisis or death, auto accident, fire, weather damage, or other, REO's focus is to ensure the prompt, courteous service you deserve, and our promise is to keep you informed and help get your claim resolved as quickly as possible. 

BEFORE you have to file a claim...

Get to know your policy - especially the declarations page! This is the page that has your name and address on it.

  1. Plug information like your policy number and the claims phone number into your phone.

  2. Save your policy in an email folder so you can quickly access it when needed. 

  3. If you'd like us to walk you through your policies, just give us a call! We're happy to help.

WHEN you have to file a claim...

Call the claims number on your policy! During normal business hours, a live person will answer the phone. After hours, on weekends, and holidays leave a message. A person on call will return your call promptly.

Filing Horse Insurance Claims

Your claim adjuster will take your information, and your horse's information to open the claim. 

From that point, they will work with you and your veterinarian to address your individual claims needs. 


If you have a medical claim: 

  • Keep all invoices you receive from the veterinarian. The adjuster will need copies.

  • The adjuster will request a report from the veterinarian.


If you have a mortality claim:

  • Both you and your veterinarian will need to complete a proof of loss form and provide that to the adjuster. 

  • Contact the adjuster if you have any questions.

Always feel free to contact our office during the claims process. We will be happy to assist you!

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