Equine Accident & Illness Coverage
The Accident & Illness endorsement reimburses veterinary fees for treatment or diagnostic testing when your horse suffers a new illness, disease, or visible external accident or injury. This is broader than surgical-only coverage but does not cover lameness-related diagnostics or treatment except in very limited situations.
What’s Covered
- Veterinary treatment (non-surgical) from a qualified veterinarian
- Diagnostic testing related to a covered illness or external injury
- Conditions starting during the policy period and reported immediately
Limits & Deductible
- Reimburses up to the Accident & Illness Limit of Liability listed in your policy
- Deductible applies to each unrelated accident, illness, or injury
- Coverage extends up to 90 days after policy expiration for annual policies
Not Covered
The following are not eligible:
- Pre-existing issues
- Routine care or maintenance
- Elective or cosmetic procedures
- Alternative and non-traditional therapies
- Dental care unless caused by external trauma
- Hospital boarding at non-veterinary facilities
- Racing-related accidents or injuries
- Horses under 30 days or over 20 years
- MRI, CT, nuclear scintigraphy
- Farrier services
- Any treatment for gastric or intestinal ulcers
- All lameness diagnostics or treatment, except when due to:
- Tick-borne illness
- EPM
- Laminitis
- Lacerations
Important Conditions
- Immediate notice of any illness or injury
- Written veterinary report and all invoices must be submitted within 60 days
Important: This summary is provided for convenience. Please refer to the actual policy wording for full details and exclusions.
- American Reliable – Accident & Illness Endorsement (A8865E0317)
Standard Mortality Policy and Automatic Coverages
Other Optional Coverages Available with Equine Mortality Coverage