Loss of Use coverage will pay 50% of the amount of indemnity due under the mortality coverage part in the event that in the event your insured horse becomes totally and permanently unfit for the use specified in the declarations as a result of an injury first sustained by or that first occurred to the horse during the policy period. Loss resulting from pre-existing conditions, degenerative diseases such as arthritis, degenerative joint disease or navicular syndrome, or conditions and unfitness for breeding are excluded under the Loss of Use coverage.

Loss of Use is available for select uses of horses between the ages of 1 and 12 years with insured values between $100,000 and $500,000. Loss of Use must be purchased in conjunction with Full Mortality and Major Medical coverage.

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