Surgical Coverage provides reimbursement for surgical procedures that are required or necessary, including post-operative care, as a result of an accident, injury or illness, which first occurs during the policy period. This coverage is available for horses ages 6 months and older, except for race horses or horses in training to race. It provides a limit of up to the amount selected below. Surgical coverage is available for horses aged 90 days up to and including 18 years of age. Horses that are used or intended to be used for racing are not eligible.

Surgical coverage is available in limits of $2,500, $5,000, $7,500 and $10,000.  The insured mortality limit must equal or exceed the Surgical limit desired in order to qualify for this coverage.

Surgical coverage limits of $2,500 and $5,000 may also be written in conjunction with the $10,000, $12,500 and $15,000 Veterinary Services coverage.  The insured mortality limit must equal or exceed the combined Veterinary Services and Surgical coverage limit in order to qualify.

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