Overview

Equine Major Medical and Surgical covers the cost of medical and surgical procedures including diagnostics as a result of an accident, illness or disease which first occurs during the policy period. Limits of $15,000, $10,000 and $7,500 are available regardless of the insured mortality limit of your horse. Major Medical Coverage is subject to a per-claim deductible that varies based upon the limit of coverage. The $15,000 limit form carries a $600 deductible per claim. The $10,000 limit form has a $500 deductible per claim and the $7,500 limit form carries a $425 deductible per claim. As long as the accident, injury, illness or disease first occurs and is reported during the policy period, covered treatments may be performed up to 90 days after the policy expiration date.

  • Treatment of lameness condition or injury, including surgery, stem-cell therapy, IRAP, PRP treatment, shockwave therapy, Tildren and related medications are covered at $2,500 per claim, $4,000 aggregate.
  • Diagnostic testing, including bloodwork, bone scan, MRI, CT , myelogram and thermography are covered at $2,500 per claim, $4,000 aggregate.
  • Treatment of gastric ulcers are covered up to $2,500 per claim, $4,000 aggregate (requires diagnostic endoscopy confirming of presence of gastric ulcers).

Equine Major Medical and Surgical PLUS is an enhanced major medical and surgical coverage form available to horses valued at or above $25,000 and up to 16 years old.  It provides the same medical and surgical protection as the standard medical coverage form, with a number of enhancements.  Limits of $15,000 and $10,000 are offered and the deductibles are the same as the standard medical coverage form. As long as the accident, injury, illness or disease first occurs and is reported during the policy period, covered treatments may be performed up to 90 days after the policy expiration date.

  • Treatment of lameness condition or injury, including surgery, stem-cell therapy, IRAP, PRP treatment, shockwave therapy, Tildren and related medications are covered at $2,500 per claim.
  • Diagnostic testing, including bloodwork, bone scan, MRI, CT , myelogram and thermography are covered at 50% of the major medical limit.
  • Treatment of gastric ulcers are covered up to $2,500 per claim (requires diagnostic endoscopy confirming of presence of gastric ulcers).
  • Amended wording regarding dental procedures, including illness and infection.

This coverage description is for general information only. Please refer to actual policy wordings for a full explanation of coverages.