Major Medical & Surgical
Coverage is provided for the cost of medical and surgical procedures, including diagnostics as a result of accident, illness, or disease. This insurance is available for horses from 31 days to 20 years old.
Plan 1: Annual Aggregate Limits up to $7,500 (Deductible Varies by Company)
Plan 2: Annual Aggregate Limits up to $10,000 (Deductible Varies by Company)
Plan 3: Annual Aggregate Limits up to $15,000 (Deductible Varies by Company)
Equine Catastrophic Accident and Illness
Plan 1: Annual Aggregate Limits up to $5000 (Deductible Varies by Company)
Coverage is only for the cost of actual surgery and up to a maximum of 100% of that cost for approved nonsurgical medical fees incurred during 30 days after surgery. The annual aggregate limit is $5,000, not subject to any deductible cost per illness, injury, or incident. This policy is available for horses ages 6 months to 17 years old.
Guaranteed Extension Coverage
In the case of a condition occurring and reported during the policy period, mortality coverage will automatically continue for up to 12 months from the expiration date for that specific condition. Coverage applies to horses ages 24 hours to 20 years old.