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Surgical Endorsement

Should your insured horse require surgery, this endorsement will cover specified costs. We will pay reasonable and customary charges for surgical treatment (including anesthesia) necessitated by accident, injury or illness. In addition to the surgical fees, we will pay up to 35% of the veterinary fees for 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 $5000 limit per year.

Major Medical Endorsement

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 $7500 limit per animal per year. This coverage will help you control veterinary expenses for unforeseen events related to the health of your animal.

Loss of Use Endorsement

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 you 50% of the animal's value if you elect to keep your horse, or may pay you up to 75% if the company takes possession of the animal or the animal is destroyed. (Full x-ray reports and soundness exams are required for approval at the inception of this endorsement.)

Livestock Mortality

Livestock Mortality is a life policy for your horse, with you a beneficiary. A livestock mortality insurance policy will cover death from any cause, subject to certain exclusions, which are stated in the policy. We will also pay 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 sicknesss or injury to us, we will extend your coverage for 12 Months and pay your claim should the horse die within the time from the same cause.

All 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.

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For a personal touch and excellent customer service, please give our agri-business team a call. We will be glad to help you with your needs.

  • Ron Marshall
  • Justin Marshall
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