For a horse owner, the loss of a beloved animal can be devastating both emotionally and financially. And while equine mortality insurance can’t diminish the grief of losing a horse, it can help to soften the economic impact. We offer several flexible coverage options because we know that horses (and their owners) are unique.

All-risk mortality and theft is a comprehensive policy that reimburses the horse owner for the death, theft and humane destruction of a covered horse. Our policies are agreed value, and we offer full mortality and theft, or specified perils coverage.

Mary Phelps

Licensed Agent and Equine Specialist
Mary.Phelps@markel.com
cell/text 859-940-8517
MSI CA license #: 0645481
MKL license # 83822/00053

Equine, Farm, Property, Casualty, Farrier
Cell/Text – 859-940-8517
Horses Daily Inc Office – 386-985-1429
Markel Equine Insurance – 1-800-572-3286

Please note that Mary Phelps, License # 83822/00053, is wherever indicated on these forms, if not already listed.
When going through all the applications, you may have questions, and that’s what I am here for.

Please text me at Mary Phelps 859-940-8517, and I will get back to you.

Coverage Highlights

  • 24 hours/7 days a week claims service
  • No vet certificate required for horses valued under $50,000 and with no pre-existing health conditions. *In the US or Canada. **Horses overseas are required to have a vet exam – regardless of the value.
  • Medical/Surgical and surgical only plans
  • Emergency colic surgery expense ($2,500 limit) added at no additional charge with additional buy up options
  • Private horse owner liability coverage can be added for an additional charge
  • 90-day extension clause
  • Guaranteed renewal coverage added at no additional charge
  • Optional coverages for an additional premium to include:
  • Transit – Overseas
  • Prospective foal – certain restrictions apply
  • Stallion infertility
  • Limited permanent disability

Please note that Mary Phelps, License # 83822/00053, is wherever indicated on these forms, if not already listed.
When going through all the applications, you may have questions, and that’s what I am here for.

Please text me at Mary Phelps 859-940-8517, and I will get back to you.

Optional Coverages

All of the following endorsements are optional and can be added to your equine mortality insurance policy provided you meet the necessary requirements and pay the additional premium.

Certain exclusions apply

Major Medical & Surgical

Major medical & surgical is available when purchasing a mortality policy. This coverage reimburses the veterinarian’s fees for surgery, major illness and disease. We will pay reasonable and customary charges necessitated by accident, injury or illness for your insured horse. We offer several options and limits to choose from. This coverage is provided for clients as a means to help with the costly expenses of medical surgical treatments due to accident, sickness or injury.

SURGICAL ONLY

Should your insured horse require surgery, this equine health insurance endorsement will cover the costs. We will pay reasonable and customary charges for surgical treatment necessitated by accident, injury or illness. We offer surgical limits up to $10,000, with a very low deductible.

LIMITED LOSS OF USE or LIMITED PERMANENT DISABILITY

If your horse becomes totally and permanently incapable of fulfilling the functions for which it is used, as stated on your equine mortality insurance policy, as a result of a sudden, accidental and external injury, which occurs during the policy term but its condition does not necessitate destruction for humane reasons, you may suffer a financial loss. Specific details available upon request.

TRIP TRANSIT

Coverage for importing or exporting your horse internationally by air. Specific details available upon request.

SPECIFIED PERILS COVERAGE

Also known as “Named Perils” or “Restricted Perils” covers a horse for death, theft or humane destruction caused by specified perils listed in the policy, including but not limited to fire, lightning, earthquakes, electrocution, drowning, transit risks and attack by wild animals. It is important to note a specified perils policy does not cover your horse for death due to illness or disease. Horses from 91 days through 25 years old.

Why Choose Us for Insurance

When it comes to protecting the horses you value, choosing the right insurance partner matters. Markel and Mary Phelps combine industry-leading coverage with knowledgeable, personal service to help ensure your horse and your investment are properly protected.

A Trusted Name in Equine Insurance
Markel is widely recognized as one of the leading providers of equine insurance in the United States. With decades of experience and a deep understanding of the equine industry, Markel offers reliable coverage designed specifically for horse owners, trainers, breeders, and equestrian professionals.

Specialized Equine Mortality Coverage
Equine mortality insurance from Markel helps protect you financially in the event of a covered loss. Policies are designed to reflect the true value of your horse and can be tailored to fit a wide range of disciplines and uses.

Expert Guidance from Mary Phelps
Working with Mary Phelps means you receive personalized guidance from someone who understands both the insurance process and the unique needs of horse owners. Mary helps you navigate coverage options, determine appropriate insured values, and ensure your policy reflects the realities of your equine operation.

Responsive Support When It Matters Most
In the unfortunate event of a loss, having the support of both a trusted agent and a respected insurance carrier makes a difference. Markel’s claims team and Mary Phelps work together to help ensure the process is handled with professionalism, care, and efficiency.

Protection Backed by Experience
By choosing Markel and Mary Phelps, you benefit from a combination of trusted underwriting, knowledgeable service, and a shared commitment to the equine community.

Protecting your horse is more than just insurance—it’s peace of mind. Markel and Mary Phelps are here to help you safeguard what matters most.

Why Work with Mary Phelps

Insurance should feel personal, not transactional.

Mary Phelps helps you:

  • Understand your options clearly
  • Select the right level of protection
  • Avoid overpaying or underinsuring
  • Enroll with confidence

You are not just buying a policy. You are making a responsible decision for someone who depends entirely on you.