Loss of Use

A Loss of Use endorsement will reimburse a percentage of the horse’s insured value should the horse become permanently disabled and unable to perform their intended use. Coverage is available for horses in active competition in certain disciplines. There is also a Loss of Use available for External Accidents only. This endorsement is NOT available on a stand-alone basis, but it can be added to a Full Mortality policy.

Loss of Use eligibility requirements:

• Horses between 2 years – 17 years old, company depending.

• Mortality and major medical coverage required.

• In active competition for: dressage, hunter/jumpers, cutting/reining, and English showing. *NO eventing or other western disciplines.*

• 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.

Loss of Use will NOT respond if the horse is permanently disabled due to:

• Pre-existing conditions

• Arthritis

• Degenerative joint disease

• Navicular

• Infertility

This is NOT a short-term disability policy. In the event of a claim, the diagnosing veterinarian must state that the horse is permanently unable to perform the intended use ever again.

This coverage requires specific paperwork, applications, as well as an extensive veterinary examination.