Horse Mortality
Insurance
All Risk Mortality cover for horses — protecting your financial investment against death from illness, disease, accident, injury and humane destruction.
Protecting Your
Financial Investment
A horse is one of the most significant financial investments an owner will make. From the purchase price to ongoing costs of feed, farriery, veterinary care and training, the investment in a horse can run into hundreds of thousands of rands.
All Risk Mortality insurance ensures that if the worst happens, you are compensated for the insured value of your horse. This provides financial stability and the means to recover from a devastating loss.
Mortality Cover at a Glance
Horses valued above R100,000 typically require a veterinary certificate for mortality cover
Cover applies 24 hours a day, 365 days a year — in the stable, field or in transit
Cover available for any breed, age or discipline of horse
Protection across all 9 provinces of South Africa
All Risk Mortality
Insurance Options
Our mortality cover is designed to provide comprehensive protection against the most common causes of death in horses.
All Risk Mortality
Comprehensive cover for death from any accidental or natural cause including illness, disease, accident, injury and humane destruction on veterinary advice.
Colic Cover
Colic is one of the leading causes of death in horses. Our mortality policy covers death resulting from colic, including surgical colic where humane destruction is recommended.
African Horse Sickness
Cover for death caused by African Horse Sickness — a potentially fatal viral disease transmitted by midges, endemic to parts of South Africa.
Mortality in Transit
Extended cover that protects your horse during transport. If your horse dies as a result of injuries sustained during loading, travel or unloading, you are covered.
Leading Causes of
Equine Death
Understanding the most common causes of death in horses helps owners appreciate why All Risk Mortality cover is essential for every horse.
Colic
The leading cause of death in horses. Colic refers to abdominal pain and can range from mild discomfort to life-threatening conditions requiring emergency surgery or humane destruction.
African Horse Sickness
A viral disease transmitted by Culicoides midges, endemic to South Africa. Mortality rates can exceed 90% in susceptible horses, making this a critical cover consideration.
Catastrophic Injury
Severe fractures, tendon ruptures or ligament failures that cannot be surgically repaired may necessitate humane destruction on humane and veterinary grounds.
Respiratory Disease
Severe pneumonia, pleuropneumonia and other respiratory conditions can be fatal, particularly in older horses or those with compromised immune systems.
Laminitis
A painful and debilitating condition affecting the hooves. Severe or chronic laminitis can lead to humane destruction when treatment fails and the horse's quality of life is compromised.
Accidents & Trauma
Field accidents, stable injuries, transport incidents and other traumatic events can cause fatal injuries. Mortality cover ensures you are protected against these unforeseen events.
Trusted Mortality
Cover Specialists
When it comes to mortality cover, we understand the sensitivity of the subject. Our team handles claims with empathy and professionalism, ensuring families receive the financial support they need during difficult times.
Our All Risk Mortality policies are underwritten by leading South African insurers and designed specifically for the unique risks faced by horses in our country — including endemic diseases, transport risks and the high cost of equine veterinary care.
Learn More About UsCover You Can Count On
All Risk Protection
Cover for death from any accidental or natural cause — no restricted list of perils.
FSCA Regulated
We are an authorised financial services provider operating under South African insurance regulation.
Fast Claims Resolution
Mortality claims are prioritised. We understand the importance of swift resolution.
Veterinary Support
Access to advice and support when making difficult decisions about your horse's welfare.
What You'll Need
for Mortality Cover
- ✓
Completed Online Quote
Full disclosure of your horse's medical history, current health status and any pre-existing conditions.
- ✓
Veterinary Certificate of Health
Required for horses valued above R100,000 or when specifically requested by our underwriting team.
- ✓
Proof of Value
Purchase receipt, valuation certificate or other documentation supporting the insured value of your horse.
- ✓
Positive Identification
Horses must be positively identified via passport, microchip or brand documentation.
Protect Your Horse with
Mortality Cover Today
Get a tailored All Risk Mortality quote from South Africa's equine insurance specialists. Protect your investment and gain peace of mind.