Membership
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Membership of Manitoba Horse Council has many benefits. Click here to download a leaflet outlining these or read on. Insurance FAQ's are listed at the bottom of the page. Membership with Equine Canada All MHC members in good standing and therefore members of Equine Canada (EC) have access to excellent discounts through the EC Members First program: BFL Insurance (click here for more info) John Deere (up to 23% off select models for full-time equine operations and other offers: click here for more info)
Other Services
MHC Programs
MHC Equestrian Centre at Bird’s Hill Park All MHC members receive preferential access for competition booking at the world-class MHC Equestrian Centre and trails located in Bird’s Hill Park.
Casual Riding at the Park
Horse Country Magazine Subscription All MHC members are eligible for a preferential subscription rate at $20.00 to Manitoba’s own Horse Country magazine. Payment can be added to your membership application or by calling 1-866-886-2425 or 204-256-7467. See more about Horse Country at www.horsecountry.ca InsuranceBFL CANADA Risk & Insurance Services Inc. Insurance MHC Member Liability Who: All current members in good standing with MHC Amount: $5,000,000 Personal Liability insurance $ 25,000 Medical Expenses What: Third-party liability insurance defends against lawsuits and/or settlements for bodily injury or property damage arising out of the ownership and/or leasing of horses in the event that no other insurance is in effect. (Eg. If your horse were to cause harm to a third party). This policy will act as an excess coverage if any other insurance is in place.
MHC Accidental Death & Dismemberment (Member-only coverage) Who: All current members under the age of 70 in good standing with MHC. Amount: $25,000 Accidental Death & Dismemberment What: Reimbursement to members who may become injured during horse-related sanctioned events under the supervision and at the direction of the Manitoba Horse Council, as well as during any horse-related activities including practice, training, and pleasure riding while not in attendance at a MHC sanctioned event. Additional Benefits: $50,000 Paralysis $10,000 Repatriation $10,000 Rehabilitation $10,000 Family Transportation $5,000 maximum Medical Benefit $5,000 maximum Educational Benefit $300 maximum Fracture Reimbursement BFL CANADA Risk & Insurance Services Inc. Emergency AD&D Claim Phone Number:1-416-420-1557 Notice of any serious injury to a member must be given immediately or your coverage may become null and void. In order to be eligible for coverage under this program, the accident must have occurred while participating in a Manitoba Horse Council sanctioned event or other equine activity as outlined above.
MHC Specified Perils Horse Insurance (Member-only coverage) Who: All uninsured horses owned by current members in good standing with MHC Amount: Should a loss occur, maximum limit of $10,000 per member if your horse is uninsured What: If your horse is uninsured, this coverage protects your horse from the perils of fire, collapse of building, and overturning of a conveying vehicle.
Other Additional Insurance Packages Available to MHC members (Member-only coverage)THESE PACKAGES ARE NOT INCLUDED WITH MHC MEMBERSHIP, BUT ARE ADDITIONAL PACKAGES AVAILABLE TO MEMBERS IN GOOD STANDING WITH MHC . DISCOUNTED RATES ARE AVAILABLE. For more info please call BFL CANADA Risk & Insurance Services Inc. at 1-800-668-5901 Individual Horse Insurance Horse Mortality Package Farm Insurance Coaching Insurance Directors’ and Officers’ Liability Liability for Horse Shows / Events - Coverage is automatically included for clubs that are current members in good standing with MHC
Individual members and clubs that are not members of MHC but wish to host a MHC sanctioned show/event must have their own Show/Event insurance and must provide a certificate of insurance, listing Manitoba Horse Council and Equine Canada as additional insureds in order for the show to be sanctioned. The coverage must include bodily injury coverage for participants.
1. My daughter owns a horse and sometimes lets her friend (a non-member) ride when she is over visiting. Will Manitoba Horse Council (MHC) insurance respond if there is an accident? Yes, as long as your daughter is not being paid by her friend to ride the horse, the Member Liability will respond on your daughter’s behalf.
2. If my horse dies due to an accident, will the Member Liability Policy compensate me for his value? No. The Liability policy will only respond for 3rd party bodily injury or property damage claims caused by a horse you own or lease. Members do have access to a Horse Mortality Package available at exclusive discount rates which will provide coverage for your horse. For members with uninsured horses, please see the Specified Perils policy listed previously in the leaflet.
3. Is there a minimum age requirement in order to be covered by insurance through MHC? No. Riders of any age can become MHC members and be covered by the insurance. The same goes for young exhibitors, provided they are following normal competition protocol (helmets, proper footwear, etc.)
4. If I get injured on my own horse, am I covered/insured with my MHC membership? Membership with MHC includes Accidental Death & Dismemberment (AD&D) coverage. Please see the info listed on this policy previously and in the question below.
5. I am a coach. Will the AD&D policy cover my lost wages if I am injured while riding and cannot teach for a period of time? No, this policy does not replace lost wages. It provides coverage for paralysis, death or permanent, total disability. A fracture benefit is also included that will provide payment for out of pocket expenses such as ambulance charges, casts, etc. You should inquire about the Income Replacement policy available to those members who make their living in the horse industry.
6. I am teaching a 2 day clinic for one of MHC’s member clubs. Why do I need to have insurance if the Club has a policy through Horse Council? The Member Club Policy will respond on behalf of the Club for incidents arising out of the clinic where there is bodily injury or property damage. You as a coach are a legal entity that can also be sued and should carry appropriate coverage for your activities. Through the MHC insurance program, a coaching liability policy is available for individuals who teach with rates exclusive to members.
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