Your horse must be between the ages of 48 hours through 16 years to insure for Full Mortality. If your horse is age 17 or older, Specified perils coverage is available. If the insured has been continuously insuring the horse on the HEP plan when it turns 17 years of age, and the horse meets the criteria; not retired, no claims, currently healthy free of sickness, disease, injury, lameness, the insured can APPLY for full mortality at an increased rate by supplying a satisfactory veterinarian certificate, declaration of health form and justification of value, to the MGA.

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