Catastrophic Accident & Illness coverage pays for the cost of medical or surgical colic as well as medical or surgical treatments for illness or accidental, external and violent injury, such as lacerations.  Treatment for viral and/or bacterial illness and lameness arising from laminitis is also covered.  However, no ulcer or lameness treatments are covered under this form.

Catastrophic Accident & Illness coverage provides a $5,000 annual aggregate limit, and is subject to a $375 deductible per claim, and is available to horses of any value between the ages of 31 days and 20 years.  Prior underwriting approval is required for horses between the ages of 16 and 20 years.

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