Membership in your Equine Association automatically includes insurance coverage for most equine related liability exposures. Coverage is in excess of any other insurance you carry or is primary if you have no other insurance that could apply. The insurance is in effect each year from January 1 - December 31.
This insurance protects you against lawsuits that can be brought against you for Bodily Injury or Property Damage claims arising out of the personal ownership or personal use of a horse and/or arising out of your participation in most equine related activities. This policy also includes coverage for legal liability arising from the non-commercial and incidental care, custody and control of non-owned horses (transport, emergency boarding etc.) limit of $10,000 per horse / $50,000 per accident.
This insurance provides a lump sum payment if you suffer from a listed (scheduled) catastrophic and permanent injury or death that arises from participation in equine related activities. The amount payable depends on the injury sustained. The coverage is in force 24 hours a day, 7 days a week and covers you anywhere in the world while participating in or travelling to/from an equine activity. This coverage only applies to members under the age of 90 years. Please note: not all injuries are covered under this insurance policy. Coverage excludes fracture, dental losses, or loss of income. This policy does not provide partial disability benefits or loss of wages.
Protects against lawsuits for death of someone's horse while you are transporting that horse subject to a limit of $10,000. per horse / $50,000. per accident and excluding commercial transportation of horses.
Insurance covering death of an owned horse resulting from fire or lightning, transportation, earthquake or flood, or attack by dogs or wild animals. This insures up to a maximum of $10,000 that may be applied regardless of the number of horses owned. Losses are restricted to one claim per year.
Provides $50,000 principal sum ADD including a $7,500 fracture benefit (with helmet) or $2,500 fracture benefit (if no helmet); plus $5,000 dental benefit. Restricted to under 75 years of age.
Insures tack and equipment from loss or damage anywhere in the Continental US/Canada. $10,000 any one occurrence or $5,000 any one membership per policy period ($500 deductible). Higher limits are also available.
Provides $1,000,000 coverage for out of province and country coverage for Medical treatments and/or Hospitalization. Trips up to 90 days in duration, any number of trips per year, worldwide coverage. Restricted to members under the age of 65. This coverage must be purchased prior to leaving your Province of residence.
Coverage is up to a maximum of $500 per week to a maximum of 26 weeks. A fully completed application is required.