$7,500 Medical Assistance Endorsement

The $7,500 Medical Assistance Endorsement adds medical reimbursement coverage to an Equine Mortality – Broad Form policy. It provides up to $7,500 per horse (aggregate) for eligible veterinary expenses, subject to a deductible and exclusions.

What’s Covered

Reimburses reasonable and customary veterinary fees for medical/surgical treatment and/or diagnostic testing by a qualified veterinarian when:

  • The condition (accident/injury/lameness/physical disability/illness/disease) first occurs from the endorsement effective date through the end of the policy period, and
  • Services occur during the policy period (and potentially up to 120 days after the end of a 365-day policy).

Key internal limits:

  • Ulcers: only if confirmed by endoscopy; up to $500 for ulcer treatment/meds.
  • Lameness: exams/diagnostics/treatment up to $3,500 combined per horse during the policy period.

What’s Not Covered

Common exclusions include:

  • Pre-existing conditions (before the endorsement effective date).
  • Certain deformities/congenital defects and related complications.
  • Routine/preventive care, elective procedures, and many alternative/non-traditional treatments/therapies (including joint injections and similar items listed in the form).
  • Losses tied to intentional harm/poisoning/gross negligence.
  • Horses under 30 days or over 20 years old at endorsement effective date.
  • Horses in race training/used for racing, or used for eventing.
  • Certain expenses like transport, vet call/travel charges, report-prep fees, and non-qualifying hospitalization/boarding.

How Losses Are Paid

  • Pays covered expenses up to $7,500 aggregate per horse.
  • Deductible: $750 per separate, unrelated, non-recurring incident (if multiple deductibles apply, the highest deductible applies).
  • No co-pay (removed under this endorsement).
  • Generally applies excess over other valid collectible insurance/colic reimbursement programs.
  • If a claim is paid, the $375 premium for that horse is considered fully earned and immediately due.

Medical Assistance coverage may also be combined with the $10,000 Surgical and / or the $10,000 Colic Treatment & Surgery coverages also offered by Great American.

Important: This summary is provided for convenience. Please refer to the actual policy wording for full details and exclusions.

  • Great American $7,500 Medical Assistance Endorsement (EQU1157-0623)

Standard Mortality Policy and Automatic Coverages

Optional Coverages Available with Equine Mortality

Great American Policyholder Portal