Special features, benefits and customized coverage

Two plans are available, with a host of optional benefits and extras you can choose from, including:

Full mortality coverage

In the unfortunate event of the horse’s demise, you can opt to receive up to its fair market value

Medical and surgical coverage

If your horse has a health issue, you get reliable medical and surgical coverage


You can choose protection in case your horse suffers an unexpected emergency

Tack and equipment

Depending on the plan, protection is included or available for your tack, as well as other riding gear such as helmets, protective vests and grooming tools

Enhanced personal liability

You can increase the standard amount offered in two of our plans, in case of injury to others or damage to someone’s property by your horse

Trailer coverage

You can add coverage for a horse trailer

Experienced claims experts

†You get 24/7 claims service backed by our industry-leading Claims Service Satisfaction Guarantee

All policies include

  • No deductible on Full Mortality coverage
  • Death Claim Vet Reimbursement
  • Competition Withdrawal
  • Extra Boarding Expense
  • Waiver of Depreciation (for first 24 months)

* Underwritten by Elite Insurance Company

Contact Us

  • Phone: 1-800-565-4321
  • Fax: 905-898-0303
  • Claims: 1-844-849-5101
  • Billing: 1-800-387-4518
  • Website: www.hep.ca

53 Prospect St.
Newmarket, ONT.
L3Y 3T1