Protects you, the member, if you are sued by a third party because a horse that you own or lease, ride or handle non-commercially, causes property damage or bodily injury to a third party. **Liability coverage is for non-commercial equine related activities. Some limitations and exclusions apply. Coverage is in force 24 hours a day, seven days a week, and covers the member (Canadian resident) anywhere in the world. (Exclusions apply for members who are non-Canadian residents).
Covering you, the member, should you suffer a catastrophic injury, dismemberment or death arising from equine related activities. (Under the age of 90 and only available to Canadian Residents)
$50,000 - Enhanced* Accident, Death and Dismemberment for injuries sustained by you, the member related to horses, including coverage when you are enroute to and from an equine activity in a vehicle. This policy will pay regardless of any other insurance that may be in force at the time of the incident. *Enhanced AD&D is restricted to members who have not reached the age of 75 years.
$10,000 – Horse Mortality (Named Perils). Horse(s) you own are covered for death arising from Fire, lightning, transportation, earthquake or flood, attack by dogs or wild animals. Limit of $10,000 any one loss and any one term. Includes compensation for government ordered destruction of horse. This policy must be purchased by the owner of the horse(s).
Emergency Life Saving Surgery – This policy covers Emergency Life Saving Surgery necessitated by accident or sickness, including colic surgery and fracture surgery, to a maximum limit of $2,500.00 for expenses incurred ($250 deductible). PLEASE NOTE: This is NOT a life insurance policy; NO DEATH BENEFIT is payable under this policy. This policy is restricted to one claim per year and must be purchased by the member who is the owner of horse(s). Members must have purchased Members Named Perils in order to be eligible to purchase the Emergency Life Saving Surgery product.
$10,000 – Tack and Equipment - Insurers tack and equipment from loss or damage anywhere in Continental US/Canada. Tack and horse equipment you own, excluding rider clothing and protective equipment is insured against loss or damage from "all risks". Limit of coverage is $10,000 for any one loss, total limit per term. Losses subject to deductible of $500.00
Travel/Medical Coverage – Provides $10,000,000 out-of-province and country coverage for medical treatments and/or hospitalization, Several custom options available to suit the needs of every member. To purchase coverage, please visit: https://shop.tugo.com/store/INT001
Provides income replacement in the event you are unable to work due to an accident. Coverage is in force 24 hours a day/ 7 days a week and includes (but is not limited to), injuries arising from an equine related incident. There is a 7 day waiting period. The policy will provide up to $500.00/week in income replacement for up to 26 weeks (some restrictions apply). The combined benefit from this policy and all other benefits available to you (WCB/WSIB/CPP/ Employer Group Programs, etc.) cannot exceed 75% of reported gross income to Canadian Revenue Agency in the most recent taxation year. To qualify for this special program and be eligible for benefits, you must meet the following minimum requirements:
DISCOUNTS on your equine insurance needs, including mortality and medical insurance for horses, liability insurance for EQUINE ASSOCIATIONS and CLUBS, farriers, grooms, veterinarians, horse shows and more. Please contact CapriCMW for these options. Club Information, Frequency Asked Questions, and Applications can be found under Club Insurance on the Club Membership page.
Rates for Coaching, Boarding and other Commercial Coverage Please contact CapriCMW for these options at 1-888-394-3330. Coaching Applications and Frequently Asked Questions can be found by clicking here.