Overview

Veterinary Services Coverage provides reimbursement for reasonable and customary fees for covered treatments and surgical procedures, including post-operative care expenses, which are required or necessary as a result of an accident, injury, illness or disease that first occurs during the policy period. Veterinary services coverage is available for horses aged 90 days up to and including 18 years of age valued at or above $20,000. Horses used for eventing as well as Halter bloodlines and horses primarily shown in halter classes are not eligible for Veterinary Services coverage. Nor are horses that are used or intended to be used for racing.

Veterinary Services Coverage provides a limit of up to the amount selected below, subject to a $500 deductible per claim. A $1,000 deductible option is also available. As long as the accident, injury, illness or disease first occurs and is reported during the policy period, covered treatments may be performed up to 120 days after the policy expiration date. Subject to the policy’s terms, conditions and exclusions, the Veterinary Services endorsement will provide reimbursement for the following:

  • Diagnostic testing is covered for up to 70% of reasonable and customary fees, up to $3,000 per policy period.
  • Shockwave therapy is covered for up to $400 per treatment and $1,200 per policy period.
  • Regenerative therapeutics (including IRAP, ACS, PRP and Stem Cell) is covered for to $3,000 per covered animal per policy period.
  • Tildren and Osphos injections are covered for up to $1,200 per policy period.
  • Gastric Ulcer treatment, including endoscopic exam and medication, up to $1,500 per policy period.

Limits Offered (Standard Form):

    • $10,000
    • $15,000

Veterinary Services – No Diagnostic Testing Co-Payment – This coverage is similar to the Veterinary Services coverage, but includes the following enhanced limits and coverages, subject to a $750 deductible per claim.

  • This endorsement removes any restrictions on diagnostic testing and has no diagnostic co-payment or sub-limit
  • The sub-limit on shockwave therapy per policy is increased from $1,200 to $2,400 and there is no $400 sub-limit per treatment.
  • Regenerative therapeutics (including IRAP, ACS, PRP and Stem Cell) is covered for to $5,000 per covered animal per policy period.
  • Tildren and Osphos injections are covered for up to $2,400 per policy period.

Limits Offered (No Diagnostic Co-Payment):

    • $10,000
    • $15,000

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