Overview

Equine Medical & Surgical coverage will help you control veterinary expenses due to unforeseen events dealing with the health of your animal. This coverage provides for the cost of medical and surgical procedures, including diagnostics resulting from an accident, illness or disease. Equine Medical & Surgical coverage is available for horses between 31 days and 20 years of age.    Prior underwriting approval is required for horses between the ages of 16 and 20 years.

Three coverage limits are available for horses with insured mortality limits greater than or equal to the medical limit selected.

  • $7,500 Annual Aggregate Limit
  • $10,000 Annual Aggregate Limit
  • $15,000 Annual Aggregate Limit

The following coverage highlights apply to all three forms.

  • Equine Medical & Surgical coverage is subject to a $375 deductible for each illness, injury or incident.
  • Services must be performed during the coverage period or within 60 days after the expiration date of the policy.
  • Diagnostic procedures are capped at $2,000 per claim, $4,000 annual aggregate.  There is no co-payment for diagnostic procedures.
  • Regenerative therapeutics, including but not limited to Stem Cell, IRAP and PRP are capped at $2,000 per claim, $4,000 annual aggregate.

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