| This policy is available
for foals, yearlings, stallions, mares and geldings of all
breeds and types. We have designed this coverage to insure your
horse against death from almost any cause. This includes
transportation and humane
destruction made necessary by an illness or accidental injury
anywhere in the continental United States or Canada.
Our policy is unique in the industry as our Basic Form
includes coverage for theft and $3,000 colic
surgery including aftercare at no additional cost.
We can even quote and bind coverage on the telephone!
Our policy automatically
includes Free Colic Surgery coverage, providing
the horse does not have a history of colic
problems. The coverage limit is 60% of the
insured value with a maximum of $3,000 and no
deductible. If you insure your horse for
Major Medical or Surgical as well, you will have
access to the maximum limits on both coverage
parts. We even pay up to $300 for emergency horse
transportation!
Guaranteed extension and agreed value
coverage are also automatically included in full mortality
policies policies.
Veterinary exams and certificates are not required for horses under $100,000.
Guaranteed
Coverage Extension
The Full Mortality policy also
includes Guaranteed Extension coverage. This coverage provides
that in the event 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.
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This coverage will help
you control unforeseen veterinary expenses for events related
to the health of your animal.
This valuable endorsement covers up to $7,500, $10,000
or $17,500 of reasonable and customary veterinary, medical and surgical care
charges necessitated by accident, injury or illness. A $300 deductible will
apply to each separate claim during the period of insurance. No sub-limit
for diagnostics, treatments and no limitations for continuing care. Humane destruction is covered under the policy
but economic destruction is not. If you choose to put your
horse down for financial reasons, the policy will not offer coverage
for this.
Not all policies are created equally. The adage "you get what you pay for" is very true.
For example, most policies impose a time limit for how long the insurer will
cover a medical problem. This limit varies between
companies and can be as short as four weeks. Our policy will cover for the problem
for the entire policy period in which it happened. This can be
quite important if you are dealing with a serious problem like EPM where the necessary medication and care is both lengthy and
costly.
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Diagnostics
- up to the full limit of the medical coverage is
available for diagnostics, often a significant cost in
examining and treating an ill or injured horse.
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Lameness - Policy coverage has
no limitations on diagnostics or continuing care for
lameness or other conditions. |
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No Co-Pays - Policy has no
co-payment requirements. |
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Continuing Care - No policy
continuing care time limits. |
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Navicular, arthritis, and DJD
- Conditions such as navicular, arthritis, and DJD are
not automatically excluded. |
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Medical extensions - Policy
provides for up to 30 days additional coverage after
expiration. Some companies have no extension on medical
conditions occurring just prior to expiration.
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