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Surgical Coverage

The Surgical coverage endorsement provides reimbursement for veterinary surgical procedures under general anesthesia. This coverage does NOT include medical treatment or sedated procedures.

What you need to know:

  • Eligible for horses 30-days to 20 years old with a Mortality policy.

  • Surgeries are strictly defined as veterinary surgical procedures that require general anesthesia.

  • Procedures NOT under general anesthesia may NOT be covered under this endorsement.

  • Deductibles and copayments apply.

  • Dental surgeries (other than routine) under general anesthesia are included.

  • Within certain limits (depending on underwriter), surgical aftercare may be included.

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

  • Our office requires notification prior to surgery. (Available for claims 24/7.)