Page 15 - AEF-AlbertaBits_Winter-2025

Ask About Insurance
Breathe Easily
Why Upgrading to Full Mortality Coverage
is a Smart Move
AS A VALUED MEMBER of a Provincial and Territorial Sport
Organization (PTSO), like Alberta Equestrian Federation, your
commitment to protecting your equine partners is commendable.
While members named perils coverage offers a foundational level
of protection, upgrading to full mortality coverage provides a
more comprehensive safety net — one that reflects the true value
and importance of your horse.
Understanding the Difference
Members named perils coverage is limited to specific, listed
causes of death such as fire, lightning or transportation accidents.
While these are important, they represent only a fraction of the
risks that horses face daily. Full mortality coverage, on the other
hand, protects against death from any cause, including illness,
injury or natural causes, unless specifically excluded. This broader
scope ensures that you’re not left vulnerable to unexpected
and costly losses. Upgrading also gives you access to valuable
endorsements like medical and surgical coverage to offset
unexpected veterinary care.
Peace of Mind for Every Scenario
Horses are unpredictable by nature. Whether
it’s a sudden colic episode, a pasture accident
or an unforeseen illness, full mortality coverage
gives you peace of mind knowing that your
investment is protected. It’s not just about financial
reimbursement — it’s about having the confidence
that you’ve done everything possible to safeguard
your horse’s welfare.
Tailored for Responsible Owners
Upgrading to full mortality coverage reflects
responsible ownership. It shows that you value
your horse not just emotionally, but practically.
This coverage is especially important for those
who compete, breed or rely on their horses for
professional or recreational purposes. It ensures
continuity and support in the face of adversity.
Affordable and Accessible
Many members are surprised to learn that full
mortality coverage is more affordable than they
expect. With flexible options tailored to your
horse’s age, use and value, upgrading is a smart
financial decision. Plus, as a PTSO member, you
are automatically eligible for preferred rates and
streamlined underwriting.
Make the Move Today
Your horse is more than just an asset — they’re a
partner, a companion and a source of joy. Don’t let
limited coverage leave you exposed. Upgrading to
full mortality coverage is easy, and our team is here
to guide you through the process.
To learn more or request a quote, visit
acera.ca/equine.
If you have questions, contact your Acera
equine insurance advisor today at
1-800-670-1877 .
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