This insurance reimburses the veterinarian's fees for surgery, major illness and disease. We will pay reasonable and customary charges necessitate by accident, injury or illness for each claim.  Available limits of $10,000 or $15,000 limit per animal per year are available. This coverage will help you to control veterinary expenses for unforeseen events related to the health of your animal.

Should your insured horse require surgery, this endorsement will cover the costs. We will pay reasonable and customary charges for the surgical treatment (including anesthesia) necessitated by accident, injury or illness. In addition to the surgery, we will pay up to 35% of the surgical fees for any hospitalization, x-rays, medication and lab tests that are necessitated as a result of the surgery. There is a $250 deductible for each claim, and a $10,000 limit per animal per year.

This coverage is a cross between the Major Medical and Surgical Endorsements, but is limited to Colic only. It provides coverage up to $10,000 per year with a deductible of $250 per claim.

Livestock Mortality is a Life Insurance policy for your horse, with you as the beneficiary. It is an "All-Risk" policy, which will cover the death from any cause, subject to certain exclusions, which are stated in policy. We will also pay you if your horse is stolen. We will pay the actual value of the horse at the time of the accident or illness causing its death, not exceeding the value specified in the schedule. If your horse is sick or injured before the policy expires and you have reported the sickness or injury to us, we will extend your coverage for 12 months and pay your claim should the horse die within that time from the same cause.