Major Medical Endorsement
Adding a Major Medical Endorsement to your policy will cover all veterinarian costs. Surgical and non-surgical bills are included.

Example: Cut forearm that requires stitches, EPM diagnosis and medication, bone chip removal, eye surgery, colic surgery, etc.

Call (800) 351-1444 for more information.

Surgery Endorsement
Anything being done while the animal is under anesthesia is considered to be surgery. This endorsement includes all surgical veterinarian costs.

Example: Bone chip removal, eye surgery, colic surgery, etc.

Call (800) 351-1444 for more information.

Colic Surgery Endorsement
This endorsement provides coverage for colic surgery only.

Call (800) 351-1444 for more information.

Renewal Endorsement
One of the most overlooked parts of the equine insurance policy is the 12-month Extension. Also available is the Agreed Value Guaranteed Renewal (AVGR). These endorsements, though slightly different, can be included in your rate, but in some circumstances must be requested. Essentially, the 12-month Extension and AVGR protect your horse’s insurability the year following the current policies expiration, no matter his condition or value. Contact an agent for the subtle differences regarding these two policies.

Example: If your horse were to be injured a week before renewal, with the 12-month Extension, or AVGR, the animal will be eligible for the same insurance policy you currently have. Without this endorsement, your horse may become un-insurable if an accident occurred. A company could also place an exclusion on the new policy as a pre-existing condition or lower the insured value of the horse if no renewal endorsement exists.

Call (800) 351-1444 for more information.

Territorial Limits Extension Insurance
The Territorial Limits Extension is designed for clients to traveling to foreign countries to International Events, or for transporting breeding horses for breeding seasons in the Southern Hemisphere. By extending the territorial limits of a typical policy, the animals are covered in case of accident while abroad.

Example: The USET competition is held in Spain, and a client will travel overseas to compete in the competition. Or a breeding stallion will be sent to Australia for their breeding season from September through December and then return to the U.S.

Call (800) 351-1444 for more information.

Pro-Foal Insurance
Pro-Foal Insurance provides protection from the loss of a foal. Coverage can begin from the time the mare is pronounced 42 days in-foal (pregnant) and continues after birth until the foal is 45-days old. Coverage time for recipient mares begins when mare is declared 50 days in-foal and continues after birth until the foal is 45-days old.

Example: Two mares are bred. The first mare is pronounced in foal 45 days after breeding. When she is palpated at 60 days, the veterinarian discovers she has absorbed the embryo. The second mare carries the foal to term, has a healthy foal, and the foal is snakebit at 15 days of age and dies. Both foal value’s will be paid out if Pro-Foal Insurance policies exist on both mares.

Call (800) 351-1444 for more information.

Stallion Permanent Disability Insurance
This coverage offers clients a reimbursement of the insured value of a stallion if he becomes reproductively unusable due to accident or illness.

Example: Your stallion is kicked by a mare while breeding and breaks his hip, rendering him unable to breed or mount a collection dummy. The stallions calculated insured value will be paid to the owner. Calculated insured values are based upon current breeding fees, number of mares bred per year, and remaining breeding expectancy. Contact an agent for details.

Call (800) 351-1444 for more information.