Major Medical coverage helps to offset the potentially high cost of unforeseen medical care for your covered horses.  It will reimburse you for 80% of 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. Major Medical coverage is available for horses between the ages of 30 days and 20 years of age, which are valued in excess of $15,000. Horses that are used or intended to be used for racing are not eligible. Two coverage limits are available for horses with insured values of $15,000 or more.

  • $15,000 Annual Aggregate Limit
  • $10,000 Annual Aggregate Limit

Major Medical Coverage is subject to a $500 deductible per claim. 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. Diagnostic procedures and treatment for lameness are covered for up to six months from the onset of the condition, or up to 120 days after the policy expiration date, whichever comes first. Subject to the policy’s terms, conditions and exclusions, the Major Medical endorsement will also provide reimbursement for the following:

  • Gastric ulcer medication and related treatment are cover for up to $2,500 (requires diagnostic endoscopy confirming of presence of gastric ulcers).
  • Laser or shockwave therapy, or a combination thereof, is covered for up to $1,200 per each separate claim.
  • Regenerative therapeutics (including IRAP, PRP and Stem Cell) are covered for up to $3,000 per each separate claim.
  • Biphosphonate treatment (Tildren, Osphos, etc.) is covered for up to $1,200 per each separate, unrelated claim.

Major Medical coverage may be combined with either (or both) the $10,000 Colic Endorsement and the $10,000 Surgical Endorsement.

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