Major Medical Coverage Options
Great American offers two Major Medical Options—$10,000 and $15,000. These Medical Endorsements attach to an Equine Mortality – Broad Form policy and help reimburse covered veterinary medical, surgical, and diagnostic expenses, subject to the policy’s limits, deductibles, exclusions, and claim requirements.
What’s Covered
Both forms reimburse reasonable and customary vet fees for medical or surgical treatment and/or diagnostic testing by a qualified veterinarian when:
- The condition (accident/illness/injury/lameness, etc.) first occurs from the endorsement effective date through the end of the policy period, and
- Services occur during the policy period (and potentially up to 120 days after for 365-day policies).
Common sub-limits/conditions:
- Ulcers: covered only if confirmed by endoscopy, with a capped amount for ulcer treatment/meds.
- Lameness: exams/diagnostics/treatment covered up to a combined maximum per policy period.
What’s Not Covered
Both forms generally exclude:
- Pre-existing accidents/injuries/lameness/physical disability, and pre-existing illness/disease (anything first occurring before the endorsement effective date)..
- Care that is routine, maintenance, preventive, or prophylactic for a healthy horse.
- Services not provided by a qualified veterinarian.
- Many alternative/non-traditional therapies and certain injections (as listed in the forms).
- Losses tied to intentional harm/poisoning/gross negligence.
- Certain ages (too young/too old), certain deformities/congenital issues, and various related expenses (travel/transport, report-prep fees, non-qualifying boarding/hospitalization, etc.).
Important Requirements
To keep coverage in place, the insured must generally:
- Provide immediate notice by phone to the insurer when a horse needs/receives covered treatment or diagnostics.
- Submit required claim materials within 60 days of treatment/testing (typically a vet report plus itemized invoices).
- Cooperate with the insurer’s investigation (records, vet information, and documentation as requested).
Missing these steps can jeopardize coverage for the claim.
How Losses Are Paid
- Reimburses covered expenses after the deductible, up to the endorsement’s aggregate per-horse limit.
- Deductible applies per separate, unrelated incident.
- If other insurance applies to the same expense, this coverage is intended to apply excess over that other coverage.
Key differences
| Feature | 10K Medical Endorsement | 15K Medical Endorsement |
|---|---|---|
| Aggregate limit (per horse) | $10,000 | $15,000 |
| Deductible (per separate, unrelated incident) | $1,000 | $1,500 |
| Additional premium (per horse) | $575 | $775 |
| Ulcer cap (endoscopy-confirmed) | $750 | $1,000 |
| Lameness max (combined per policy period) | $5,000 | $7,500 |
Major Medical coverage may also be combined with the $10,000 Surgical and / or the $10,000 Colic Treatment & Surgery coverages also offered by Great American. Important: This summary is provided for convenience. Please refer to the actual policy wording for full details and exclusions.
- Great American $15,000 Major Medical Endorsement (EQU1036-0623)
- Great American $10,000 Major Medical Endorsement (EQU1034-0623)
Standard Mortality Policy and Automatic Coverages
Optional Coverages Available with Equine Mortality