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AEF MEMBER INSURANCE BENEFITS

A new year is just around the corner, so this is the perfect time to remind members of the Alberta horse community about the important partnership AEF has with CapriCMW.

Our service in Alberta and relationship with AEF goes back a long way. Over time, the insurance program associated with membership has evolved as the needs of members have changed.

Today, we offer a variety of risk management services and insurance products that are all designed around lifestyles that include horses.

Here’s a quick refresher.

Insurance included in the membership fees paid to AEF:

a) $5,000,000 Personal Liability insurance that covers the member for any number of owned, borrowed, or leased horses used for personal purposes. b) **Limit increase for 2023** $40,000 Accident Death and Dismemberment (AD&D) that covers the member for serious/permanent injury (or death) arising from an interaction with horses. No coverage for fracture or dental injuries.

HAVE-DOG.COM must be insured under the Members Named Perils policy to be eligible. d) $10,000 Member Tack Insurance. Covers tack and equipment from loss or damage anywhere in North America. Does not cover clothing or protective equipment worn by riders, wear and tear, abuse, mysterious disappearance, or horse drawn vehicles. e) Weekly Accident Indemnity Insurance. This exclusive insurance policy provides income replacement in the event you are unable to work due to an accident. Coverage is in force 24 hours a day / seven days a week and includes (but is not limited to) injuries arising from an equine related accident. The policy will provide up to $500 per week in income replacement for up to 26 weeks. (Some restrictions apply).

Optional insurance coverage is not available to U.S. residents.

You can find further details on the AEF website; we encourage you to take full advantage of the exclusive benefits associated with this important membership.

Like you and your horse, the partnership we have with the equine community in Alberta is very special. Give us a call with any questions at all. We will be happy to help.

The Equine Team at CapriCMW Insurance Services Ltd. www.capricmw.ca/equine. AB

The coverages above are in force anywhere the member is — worldwide.

As an AEF member, you also have access to some terrific optional insurance products that enhance the value of membership: a)**Limit increase for 2023** $75,000 Optional Accident Death and Dismemberment (AD&D) to broaden the AD&D policy provided automatically with membership. In addition to higher limits, this policy provides benefits for fracture and dental injuries. b) $10,000 Members Named Perils Insurance. Covers the death of an owned horse arising from fire, lightning, transport – and more. c) $2,500 Emergency Life Saving Surgery. Covers expenses associated with life saving surgery done at a veterinary hospital under a general anesthetic. The horse

CapriCMW Insurance | TF 1 800 670 1877

E info@capricmw.ca W capricmw.ca

AEF Office will be closed December 26th reopening on January 4, 2023.