Business Details
45 Years
experience
Emergency
services
Trusted Equine Insurance Solutions in Lexington, KY
Kirk Horse Insurance has been a trusted leader in equine insurance since 1981, founded on the principle of providing fairer, more transparent coverage for horse owners. Recognizing the inequities in traditional horse mortality policies, we pioneered Guaranteed Renewability and Agreed Value policies to ensure owners receive the full coverage they paid for, even after a horse's health declines. Our specialized focus on equine insurance, combined with decades of industry expertise, has established us as a recognized authority in Thoroughbred and equine protection.We offer comprehensive solutions including mortality, fertility, loss of use, and major medical coverage, backed by a commitment to exceptional customer service and a deep understanding of the horse industry's unique needs.
Services
Horse Mortality
Mare Fertility
Loss of Use
Major Medical
Stallion Sub-Fertility
Team Invoice Payment
Details
- Year established: 1981
Highlights and features
- We offer 30+ years of equine insurance expertise with industry-first policies.
- Our Guaranteed Renewability ensures coverage remains intact after health changes.
- Agreed Value policies guarantee pre-negotiated payouts for mortality claims.
- 24/7 claims service provides immediate support during emergencies.
- Specialized focus on equine insurance with tailored coverage options.
Associations and certifications
- A.M. Best A+ (Superior)
Services
Horse Mortality
Our Horse Mortality policy provides reimbursement at the Agreed Value for deaths caused by illness, injury, or humane destruction. Coverage includes theft, severe ataxia, and catastrophic events. This comprehensive protection ensures owners receive the full insured amount without post-incident devaluation disputes.
Mare Fertility
Mare Fertility coverage protects against reproductive losses through Prospective Foal or Conception policies. This includes financial protection for unsuccessful breeding attempts, pregnancy loss, or inability to carry a foal to term. Tailored solutions support breeders' investment in broodmare operations.
Loss of Use
Loss of Use endorsements cover horses rendered unusable for their intended purpose due to injury or illness. Options include Full Loss of Use for permanent disability and External Injury coverage for specific accidents. This complements mortality policies for performance and breeding animals.
Major Medical
Major Medical coverage reimburses up to $10,000 for surgical or medical treatments. This endorsement addresses unexpected healthcare costs for illnesses or injuries, providing financial protection while ensuring horses receive necessary veterinary care without owner hesitation.
Stallion Sub-Fertility
Stallion Sub-Fertility policies cover income loss from breeding fee reductions due to infertility. Coverage includes First Season Infertility and Accident/Sickness/Disease protections. This safeguards stallion owners' revenue streams from stud services and syndication interests.
Questions
What does 'Agreed Value' mean in your policies?
Agreed Value guarantees pre-negotiated payout amounts for mortality claims, preventing post-incident devaluation disputes. The insured value is locked in when coverage begins.
How does Guaranteed Renewability work?
Guaranteed Renewability ensures coverage continues for horses under 14 without premium increases or cancellation due to health changes post-policy inception.
What emergency services do you offer?
We provide 24/7 claims reporting through our automated system, with immediate notice required for injuries or illnesses requiring urgent veterinary attention.
Do you cover non-Thoroughbred horses?
While specializing in Thoroughbreds, our policies apply to all horse breeds with coverage tailored to each animal's specific use and value.
How are medical claims processed?
Major Medical claims require veterinary documentation of diagnosis and treatment costs, with reimbursement up to $10,000 for covered procedures and hospitalization.
