APX Insurance Specialists
Protect What Moves
With Power & Grace
At APX, we understand that the ownership of one horse or many represents a significant financial investment worth protecting. We provide tailored insurance coverages for unique situations.
A Tradition of Excellence
Exceptional Coverage for Exceptional Horses
The ownership of a horse - whether one treasured companion or a full stable - represents a profound financial and emotional investment. Our policies are written on an annual basis, with rates determined by breed, age, use, sex and value. Coverage territories include the United States and Canada.
We provide complimentary veterinarian certificates for horses valued over $100,000, and our experienced specialists work alongside you to ensure every aspect of your equine investment is protected.
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Equine Coverage
Full Mortality Coverage
Provides death and theft coverage on a broad perils basis, including accident, injury, sickness and disease. Policies are written on an annual basis with rates determined by breed, age, use, sex and value. Coverage territories include the United States and Canada.
Major Medical Coverage
A form of health insurance for your horse, purchased as an additional endorsement to the Full Mortality policy. Provides medical and surgical treatment or diagnostic testing by a qualified veterinarian as a result of accident, injury, sickness or disease. Coverage limits from $7,500, $10,000, $15,000 or $20,000.
Surgical Coverage
Provides coverage in the event your horse suffers an accident, sickness or disease that requires life-saving surgery. This coverage is offered added to Full Mortality policies for horses that are no longer eligible for major medical coverage due to their age.
Colic Protection
Covers up to the limit in medical expenses due to colic or acute abdominal pain. Covered medical expenses include medications, treatments or surgical procedures for management of colic. Not available for animals under 30 days or over 20 years of age. Racing stock is eligible.
Comprehensive Coverage
Emergency Colic Surgery coverage provides up to the limit for emergency colic surgery on every qualifying horse insured - no additional premium required.
Short Term / Trial Term Coverage
Whether you are sending your horse to a potential buyer for a trial or are about to take possession of a horse on a trial period, it is strongly recommended both seller and prospective buyer discuss insurance expectations prior to the transaction. A Short-Term policy can save an enormous amount of heartache and potential liability for both parties in the unfortunate event the horse becomes ill or sustains an injury during the trial period.
Stallion Permanent Disability
Provides coverage for a covered stallion that becomes incapable of stud services due to covered infertility, impotence, accident, injury, sickness or disease.
Prospective Foal Coverage
Provides coverage for unborn foals in utero and continues when the baby is foaled from 24 hours or up to 90 days on the ground. Rates are based on individual criteria and stud fee.
Air Transit Coverage
Covers the animal during air transit, usually from Europe to the United States. Available for all horses over 30 days of age. Full Mortality is required. Not available in all countries - rates vary by location.