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Major Medical and Surgical

The Major Medical and Surgical endorsement offers reimbursement for veterinary treatments (both medical and surgical) for accidents, injuries, illness, or disease up to a limit. This endorsement does NOT reimburse maintenance veterinary costs. Please see examples of covered expenses below. 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:

  • Deductibles apply per-incident. This means you are responsible for the deductible amount for each claim (not each veterinarian visit) before the policy will respond.

  • Most companies also require a copayment percentage on either diagnostics and/or treatment - between 20% – 30%.

  • Claims must be reported immediately within the policy period. (Available for claims 24/7.)

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

  • Most (but not all) insurance companies will restrict the medical limits to the insured value of the horse. For example, a horse insured at a $10,000 value can only have medical coverage limits up to $10,000.

Some of the expenses that will NOT be covered under Major Medical:

Maintenance costs:

  • Annual exam

  • Vaccines

  • Coggins test

  • Deworming

  • Dental Float

  • Farrier work

  • Joint injections

Transport:

  • Vet Farm call fee

  • Trailering to clinic

  • Equine ambulance

  • Shipping costs for Lab work

Alternative Therapies:

  • Massage therapy

  • Acupuncture

  • Chiropractic work

  • Rehabilitation therapy

Elective surgery:

  • Castration or Ovariectomy (unless medically necessary)

  • Cosmetic procedures

  • Routine Dental procedures

A few examples* of covered veterinary expenses, unless Pre-Existing or Excluded:
*subject to application and not limited to the following.

Diagnostic tests:

  • Bloodwork

  • Lameness exam

  • Scope

  • Ultrasound

  • MRI

  • Radiographs

  • Bone scan

Veterinary Treatments for:

  • Colic

  • Lameness

  • Lacerations

  • Punctures

  • Soft-tissue strains

  • Laminitis (Founder)

  • Ulcers

  • Respiratory infections

  • Eye injury / diseases

  • EPM

  • Neurological disorders

  • Fractures

  • Pneumonia

  • Infections

  • Diseases

  • Dental issues (other than routine)

Surgeries for:

  • Colic

  • Fractures & bone chips

  • Orthopedic repair

  • Ocular repair

  • Respiratory surgery (other than routine)

  • Tumor removal