Equine full mortality insurance reimburses you the insured value of your horse for death due to accident, injury, illness, disease, humane destruction or theft. You are also covered if your horse is injured and is not able to work, but can be returned to service within a specified time period. If you have an insured horse, you will receive a certificate of insurance from your agent that shows your coverage and the policy number. If you have a claim for damage to your horse’s tack, equipment, vehicle or other property, you can contact your agent and get a reimbursement for the damaged item.