Page 9 - AEF-AlbertaBits_Fall-2025

Ask About Insurance
Safety Net
Why every horse owner needs
full mortality insurance
FOR EQUESTRIANS, horses are more than just animals — they
are partners, athletes and companions. Members of Provincial
and Territorial Sport Organizations (PTSO) understand the
dedication and investment that goes into caring for these
remarkable animals. That’s why full mortality horse insurance,
such as the coverage offered by Acera Insurance, is an
essential safeguard for responsible horse ownership.
What Is Full Mortality Insurance?
Full mortality insurance provides comprehensive life
coverage for horses, protecting owners from financial
loss in the event of a horse’s death due to an accident,
illness or humane euthanasia performed by a licensed
veterinarian. This type of policy is available for horses
aged 30 days to 20 years, making it suitable for both
young prospects and seasoned competitors.
For PTSO members who actively participate in
training, travel and competition, the risks are higher —
and so is the need for reliable protection. Full mortality
insurance assures that if the unexpected happens, the
horse’s insured value is reimbursed, helping owners
recover financially while managing emotionally.
Why Choose Acera Insurance?
Acera Insurance, through its EquiCare program, has
been a trusted name in Canadian equine insurance
for over 25 years. Their team includes horse owners
and riders who understand the unique needs of the
equestrian community. Policies are tailored to reflect the
horse’s use, value and health status, ensuring that PTSO
members receive personalized and practical coverage.
Additional Coverage Options
To further support horse owners, EquiCare offers
optional major medical and surgical insurance. This
add-on covers veterinary expenses for life-threatening
conditions, surgeries and emergency treatments. It’s
available for horses aged 6 months to 18 years, with
flexible annual limits to suit different budgets and needs.
How to Apply
Applying for full mortality insurance is straightforward.
PTSO members typically need to submit a declaration
of health, justification of value and in some cases, a
veterinary certificate of examination. Acera’s equine
insurance specialists are available to guide applicants
through the process and answer any questions.
Peace of Mind for Every Ride
For PTSO members, full mortality insurance is more
than a policy — it’s a commitment to responsible horse
care and long-term planning. With Acera Insurance,
you can ride with confidence, knowing your equine
partner is protected.
To learn more or request a quote, visit
acera.ca/equine.
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