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Boy toddler petting a horse's nose through a wooden fence. There is also a small pony with the horse.

Horse Insurance Coverages

REO Insurance Agency offers horse insurance policies as low as $250/year with more options!

We cover clients across the United States & Canada

Super fast service. Never filed a claim - thankfully - but sure Reo and his staff will be there for us when we do! Great company to deal with, easy!

                        - Darren Asher Haun

Full Mortality Policies

REO's 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.


Premiums are based on the horse's breed, age, and use.


Full Mortality policies include:

  • Additional Colic Surgery 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 would be paid that amount. 

  • Guaranteed Extension Coverage


Additional coverages can be added to a Full Mortality Policy to reimburse veterinary expenses arising as a result of an accident, illness, or disease. (Note: these coverages are not available on a stand-alone basis.). 

REO Insurance Agency horse insurance client Kelby Phillips riding a gray horse and circling a white cow.
REO Insurance Agency horse insurance client Sarah Dawson riding a brown horse and turning a brown cow on the fence.

Additional Veterinary Coverages

These 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

Named Perils

Available to horses of any age over 24 hours, this covers death as a result of specific named causes such as fire and lightning and includes coverage for theft.

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.

Ready to Insure Your Horse? 

Fill out horse health statement form on your laptop.

Download a fillable
(or printable) horse health statement form.

Email completed forms to

Print a horse health statement form and fill it out.

No questions?
Know what you want?  

Need a Horse Insurance Quote? 

Not sure what you need, or have questions?

Fill out our form, and we'll be in touch!

A collage of several REO Insurance Agency horse insurance clients riding their horses

Our quotes are always free, and we will happily answer any questions you have! 

Get a Price Quote

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