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Animal Mortality Insurance: Definition, Examples, and Benefits

Last updated 03/19/2024 by

Bamigbola Paul

Edited by

Fact checked by

Animal mortality insurance provides financial protection against the premature death of specified animals in industries such as farming, zoos, and professional stables. This article explores the definition, workings, costs, and examples of animal mortality insurance to help businesses understand its importance and how it can mitigate financial risks.
Animal mortality insurance is a specialized form of coverage designed to protect businesses that rely on animals as valuable assets. Whether it’s a dairy farm, zoo, aquarium, or horse stable, the unexpected death of animals can have significant financial implications. This insurance offers a safety net against such losses, providing peace of mind to business owners.

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Understanding how animal mortality insurance works

At its core, animal mortality insurance operates similarly to other types of business insurance. Policyholders pay premiums to an insurer in exchange for coverage against specific risks. In the case of animal mortality insurance, the policy covers the death of animals due to non-natural causes, such as accidents, illness, or extreme weather events.

Factors affecting cost

The cost of animal mortality insurance varies depending on several factors:
  • The type and number of animals being insured
  • Their current health condition
  • Their age
  • The perceived risk associated with the animals’ environment and activities
Older animals or those with pre-existing medical conditions typically pose higher risks and may result in higher premiums.

Scope of coverage

Animal mortality insurance policies outline the specific causes of death that are covered. These typically include accidents such as traffic collisions, shootings, or injuries sustained during extreme weather events. However, natural causes of death are usually excluded from coverage.
Here is a list of the benefits and drawbacks to consider.
  • Provides financial protection against unexpected losses
  • Ensures continuity of business operations
  • Offers peace of mind to business owners
  • Can be expensive, especially for high-risk animals
  • Excludes coverage for natural causes of death
  • May require thorough documentation and proof of loss

How to obtain animal mortality insurance

Business owners interested in obtaining animal mortality insurance should contact reputable insurance providers specializing in agricultural or commercial livestock coverage. These insurers can assess the specific needs of the business and customize a policy accordingly.

Documentation and assessment

Insurers may require detailed documentation regarding the animals to be insured, including their breed, age, health history, and intended use. Additionally, an assessment of the business’s facilities and risk management practices may be conducted to determine the appropriate coverage and premiums.

Comprehensive examples of animal mortality insurance

Let’s explore a couple of real-life scenarios where animal mortality insurance proves invaluable:

Example 1: exotic animal sanctuary

A sanctuary that houses exotic animals, such as big cats or primates, relies heavily on visitor donations and educational programs for revenue. The sudden death of a beloved tiger due to a rare illness could not only result in emotional distress but also lead to financial strain. Animal mortality insurance would provide coverage for the loss of the tiger, ensuring the sanctuary can continue its conservation efforts without significant disruption.

Example 2: competitive horse stable

A competitive horse stable specializes in training and breeding high-value racehorses. The untimely death of a prized stallion due to an accident during training could have devastating financial consequences. With animal mortality insurance in place, the stable owner can recoup the loss and potentially invest in acquiring or training a replacement horse to maintain competitiveness in the industry.

Exploring policy exclusions and limitations

While animal mortality insurance provides valuable coverage against various risks, it’s essential for policyholders to understand the exclusions and limitations of their policies:

Natural causes exclusions

Most animal mortality insurance policies explicitly exclude coverage for deaths resulting from natural causes, such as old age, illness, or genetic conditions. These events are considered inherent risks of animal ownership and are typically not insurable.

Excluded activities or environments

Some policies may exclude coverage for animals involved in certain activities or environments deemed high-risk by insurers. For example, animals used in extreme sports demonstrations or those housed in facilities with inadequate safety measures may be subject to coverage limitations.


Animal mortality insurance plays a crucial role in safeguarding businesses that rely on animals as valuable assets. By providing financial protection against unforeseen losses, this insurance enables businesses to mitigate risks and ensure continuity of operations. However, it’s essential for business owners to carefully assess their needs, understand policy terms, and work with reputable insurers to obtain comprehensive coverage tailored to their specific requirements.

Frequently asked questions

What types of businesses can benefit from animal mortality insurance?

Animal mortality insurance is beneficial for a wide range of businesses that rely on animals as assets, including but not limited to farms, zoos, aquariums, sanctuaries, petting zoos, and competitive stables.

Is animal mortality insurance expensive?

The cost of animal mortality insurance can vary depending on factors such as the type and number of animals insured, their age and health condition, and the perceived risk associated with their environment and activities. While premiums may be higher for high-risk animals, the financial protection offered by the insurance outweighs the cost for many businesses.

Can animal mortality insurance be customized to cover specific risks?

Yes, animal mortality insurance policies can often be customized to cover specific risks or situations that are unique to a particular business. Insurers may offer options to adjust coverage limits, deductible amounts, and exclusions to better suit the needs of the policyholder.

Are there any legal or regulatory requirements for animal mortality insurance?

Legal and regulatory requirements for animal mortality insurance may vary depending on the jurisdiction and type of business. While some industries, such as agriculture, may have specific insurance requirements mandated by government agencies, others may have more flexibility in choosing their coverage options. It’s advisable for business owners to consult with legal and insurance professionals to ensure compliance with relevant laws and regulations.

What steps should I take if I need to file a claim under my animal mortality insurance policy?

If you need to file a claim under your animal mortality insurance policy, it’s essential to follow the specific procedures outlined by your insurer. This typically involves providing documentation of the animal’s death, including details such as the cause, time, and location of the incident. Additionally, you may need to provide proof of ownership and any other relevant information requested by the insurer to facilitate the claims process.

Key takeaways

  • Animal mortality insurance protects businesses against financial losses resulting from the death of specified animals.
  • It covers deaths due to non-natural causes such as accidents, illness, or extreme weather events.
  • The cost of insurance depends on factors such as the type and number of animals insured, their health condition, and age.
  • Business owners should carefully review policy terms and exclusions before purchasing animal mortality insurance.

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