Optional Equine Medical Coverages and Endorsements:

Surgical coverage generally assists with veterinary expenses for surgeries resulting from accidents, illness, or injury, generally includes colic surgery. Coverage limits and specific terms can differ by carrier.

Colic Endorsement is offered by certain carriers and is geared to assist with veterinary expenses resulting from a medical or a surgical colic situation. Coverage limits and specific terms can differ by carrier.

Major medical coverage generally assists with veterinary costs for non-routine care arising from accidents, illness, or injury. Each carrier provides its own coverage limits and terms.

This coverage is useful when a horse is no longer able to fulfill its intended use due to injury or illness but doesn’t necessarily need to be put down as a result of the injury or illness. There are two types:

• Full Loss of Use:This generally pays a percentage of the horse’s insured value if the horse becomes permanently incapable of fulfilling its designated use but may not warrant euthanasia. The exact terms (limits, conditions, exclusions) vary between each company.
• Limited Loss of Use (External Injury Only): This generally pays a percentage of the horse’s insured value if the horse becomes permanently incapable of fulfilling its designated use but may not warrant euthanasia. The exact terms (limits, conditions, exclusions) vary between each company.

This coverage is specific to proven breeding stallions and is added to a Full Mortality Policy. It provides coverage in the event that the stallion becomes permanently infertile or impotent due to an accident, illness, or disease. Please contact us for more information on the exact coverage provided.

Mortality coverage may be extended for insured horses while transporting to, from and while staying in an approved country or territory outside the contiguous United States and Canada. The coverage territories are limited to specific countries based on eligibility.