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Equine Risk Selector
Equine Appetite Guide
Quickly determine appetite eligibility and next steps based on breed/use and category.
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Western
Sport Horse (incl. Thoroughbred)
Breed-Specific Show Horses
Ponies
Draft Horses (Under Saddle)
Breeding Horses
Pleasure Horses
Mounted Activities
Quarter Horse Racing
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Ask UW
Western
Performance uses should be specified.
Eligible
Cutting
Eligible
Reining
Eligible
Ranch Versatility
Eligible
Ranch
Eligible
Roping
Eligible
Steer Wrestling
Eligible
Trail Riding
Eligible
Barrel Racing
Eligible
Performance (specify use)
Ineligible
Halter
Ineligible
Western Pleasure Show (Appaloosa / QH / Paint)
Sport Horse (incl. Thoroughbred)
Eligible
Hunters
Eligible
Jumpers
Eligible
Dressage
Eligible
Foxhunting
Eligible
Eventing
Eligible
Combined Driving
Eligible
Polo
Ineligible
TB Breeding
Ineligible
Racing (Non-QH)
Ineligible
Bloodstock (Rearing / Yearlings)
Breed-Specific Show Horses
Eligible
Saddlebred
Eligible
Arabian
Eligible
Morgan
Ineligible
Racking Horse
Ineligible
Paso Fino
Ineligible
Non-flat Shod Horses
Ineligible
Miniature Horse
Ineligible
Donkey
Ineligible
Mule
Ineligible
Tennessee Walker
Ineligible
Friesian (pleasure / breeding)
USEF Dressage use may be acceptable — see Pleasure/Sport rules
Ponies
Eligible
All Types
Draft Horses (Under Saddle)
Submit to Underwriting
Under Saddle (non-utility)
Submit for approval prior to binding; clean loss history required.
Ineligible
Utility / Pulling / Farm Work
Ineligible
Amish Cart / Farm (Standardbred, Draft)
Breeding Horses
Eligible
Broodmare (≥60 days post-foaling)
Ineligible
Due to foal within 3 months (not currently insured)
Pleasure Horses
Eligible
Show Driving
Eligible
Trail Riding
Ineligible
Spanish Dancing Horses
Ineligible
Parade Horses
Eligible
Friesian (USEF Dressage)
Per Sport/Dressage appetite; confirm use and show level.
Mounted Activities
Ineligible
Mounted Shooting
Not eligible.
Ineligible
Mounted Patrol
Not eligible.
Quarter Horse Racing
Eligible
Racing ≤ $50,000 value
Submit to Underwriting
Racing > $50,000 value
Submit to UW.