$12,000 Horse Mortality Insurance- Death or humane destruction of horse owned by the member when the member has purchased coverage. Fire or lightning, or smoke caused by either. Collision, derailment or overturning of railroad conveyances, except as a result of coupling operations. Collision, stranding, sinking, or burning of vessels incurred in such instances, on inland waterways only. Collision or overturning of a vehicle conveying any animal(s), unless involved with other vehicles owned or operated by or in the use, custody or control of You or your employees/agents. Collapse of bridges or culverts, earthquakes and/or floods. Windstorm, cyclone, tornado, hail, explosion, aircraft, and objects falling from them. Accidental injury while on board or being loaded into or unloaded from any aircraft or land transport vehicle; a) licensed for passengers and/or cargo: and b) in transit within Canada & United States of America. Accidental shooting except by: a) you or b) your employees. Drowning. Artificial electricity. Attack by dogs or wild animals. Collapse of building.This is a not a full mortality policy, just specific perils (fire, lightning etc.). There is no age limit. It’s also actual cash value, so you have to justify the horse’s fair market value in the event of a claim.