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Don't feel like paying an insurance premium? How will you feel paying the full cost of a major medical injury, surgery, or other need? Details of Our Insurance Plan Coverage: Full Mortality Including Theft Insurance - Livestock Mortality is a Life Insurance policy for your horse, with you as beneficiary. it is an "All-Risk" policy, which will cover death from any cause, subject to certain exclusions, which are stated in the 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 90 days and pay your claim should the horse die within that time from the same cause. The following endorsements are optional and can be added to your mortality policy provided you meet the necessary requirements and pay the additional premium. Certain exclusions, including racing, apply. Major Medical - This insurance reimburses the veterinarian's fees for surgery, major illness and disease. We will pay reasonable and customary charges necessitated by accident, injury or illness for your insured horse. There is a $250 deductible for each claim, and a $7,500 limit per animal per year. This coverage will help you control veterinary expenses for unforeseen events related to the health of your animal. Surgical - Should your insured horse require surgery, this endorsement will cover the costs. We will pay reasonable and customary charges for 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 $50 deductible for each claim, and a $5,000 limit per animal per year. Stallion AS&D Insurance - Coverage in the event of your stallion becoming permanently and totally incapable of impregnating mares as a result of accident, sickness, or injury. Loss of Use - If your horse becomes totally and permanently incapable of fulfilling the functions for which it is used, as stated on your policy, but its condition does not necessitate destruction for humane reasons, you may suffer a financial loss. The Loss of Use extension will pay up to 75% of the animal's value if the company takes possession and or title to the animal or 50% of the value if you choose to keep your horse. Trip Transit - Coverage for importing or exporting your horse internationally by air. Specific details available upon request. |
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