R.E.O. Ranching Equine Operations' full mortality policy provides coverage for death as a result of an injury, illness, or humane destruction, and includes loss or death as a result of theft. Coverage territory includes the continental USA and Canada. Premiums are based on the horse's breed, age, and use.
R.E.O.'s Full Mortality policies also include:
Additional Colic Surgery included, and aftercare.
Value Endorsement - if the value of the horse at any time during the policy period was equal to the limit of liability, the insured will be paid that amount.
Guaranteed Extension Coverage
R.E.O. offers a range of options to reimburse veterinary expenses that arise as a result of accident, illness, or disease. These coverages are not available on a stand-alone basis but are designed to be added to a Full Mortality Policy.
Additional coverages are available based on your needs for veterinary expenses:
• Surgical only with a $5,000 limit
• Life saving surgical with a $10,000 limit
• Major Medical coverage with an annual limit of $7,500, $10,000 and $15,000
OTHER EQUINE INSURANCE COVERAGES
Third Party Liability - provides coverage in the event the insured horse causes bodily injury or property damage to a third party.
Territorial Limits Including Transit - Mortality coverages may be extended to include coverage while transporting to, from, and while staying in other approved countries.
Named Perils - Available to horses of any age over 24 hours, this coverage is for death as a result of specific named causes such as fire and lightning, and includes coverage for theft.