The Surgical Expense Endorsement provides reimbursement for surgical expenses incurred to save the life of an insured animal when surgery is required as a direct result of an accident, injury, sickness or disease.  Coverage for post-operative care is also provided for up to 50% of the cost of the surgical expense incurred within fifteen days of the surgery.

Surgical Expense Coverage is available at a limit of $5,000.  No deductible applies to this coverage.  Certain exclusions also apply, including castration and other elective procedures. This coverage is available for most horses over 30 days old. The premium for this coverage is fully earned at policy inception.

This website provides an overview of The Hartford’s Animal Mortality coverages and services. Coverage availability and premium rates may differ by state. For a complete description of all coverages, terms and conditions, refer to the issued insurance policy. In the event of a conflict between this website and the issued policy, the terms, conditions and premium rates of the issued policy will prevail.