Major Medical and Surgical

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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.

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*subject to application and not limited to the following.

Diagnostic tests:

Bloodwork

Lameness exam

Scope

Ultrasound

MRI

Radiographs

Bone scan

Surgeries for:

Colic

Fractures & bone chips

Orthopedic repair

Ocular repair

Respiratory surgery (other than routine)

Tumor removal

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)

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

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