Catastrophic Accident and Illness

A Catastrophic Accident and Illness endorsement is available for unexpected traumatic injuries or severe illnesses. This limited coverage offers insurance for specific types of injuries and listed illnesses (see below), but does NOT insure for diagnostics or treatments unless listed. This endorsement is NOT available on a stand-alone basis, but it can be added to a Full Mortality policy.

What you need to know:

  • Available for horses 30-days old to 20 years of age with a Mortality policy.

  • $5,000 limit available per policy period, regardless of horse’s insured value.

  • Deductible of $375 before the policy will respond.

  • Pre-existing conditions may NOT be covered, whether or not a claim was filed. Companies will review a horse’s health history on a case-by-case basis to determine the exclusions.

  • Provides coverage for specific perils and emergency-related diagnostics. This endorsement excludes specific perils and diagnostics.

How Much Does It Cost?

To add Catastrophic Accident and Illness coverage, it would add between $255 – $325 to the mortality premium (subject to policy minimum premiums).

EXCLUDES any coverage on the following:

  • NO Bone Scans

  • NO MRI

NO treatment coverage for the following:

  • Gastric/intestinal ulcer

  • Lameness

  • Navicular conditions

  • Pedal osteitis

  • Arthritis/DJD

  • Vertebral abnormalities

  • Skeletal abnormalities

  • Bone spavin or bone chips

  • OCD

  • Tendonitis / ligament desmitis

  • Other such conditions

INCLUDES coverage for the following:

Diagnostics only for visible, external, traumatic accidents, or injuries:

  • Radiographs

  • Ultrasound

  • Bloodwork

  • Myelogram

Treatments covered:

  • Colic (medical and/or surgical)

  • Illness or accidental, external and violent injury (i.e. lacerations)

  • Neurological disorders: like EPM, West Nile, and EHV-1

  • Viral and/or bacterial illness: like Lyme Disease and Ehrlichiosis

  • Laminitis