Transit & Shipping Insurance
Horses face elevated risk during transport. Transit coverage addresses injuries, illness, or death during shipping — a gap many owners don't realize exists in their standard mortality policy.
Transit Coverage Explained
Does Mortality Cover Transit?
It depends. Some all-risk mortality policies include transit coverage; others exclude or limit it. Key questions:
- Does your mortality policy explicitly cover transit? Check the policy, don't assume.
- Are there distance limitations? Some policies cover local hauling but exclude long-distance transport.
- Is commercial hauling covered, or only owner-transported horses?
- Does the policy require notification before transit?
What Transit Coverage Typically Includes
- Injury or death during loading and unloading
- Injury or death during transport (trailer accident, scrambling)
- Injury during overnight layovers at transit facilities
- Shipping fever / pleuropneumonia (may have waiting period)
Hauler's Responsibility
Professional haulers typically carry their own insurance, but:
- Their coverage may be limited or have high deductibles
- Proving negligence may be required to collect from hauler's insurance
- Having your own transit coverage ensures protection regardless of fault