Coverage

This policy provides coverage for death of an animal resulting from accident, injury, sickness and disease.  It also provides coverage in the event that destruction for humane reasons is necessary.   Theft coverage is included at no additional charge. 

 **Emergency colic surgery coverage is automatically included for 50-60% (varies by company) of the limit of the insured animal, or maximum of $2,500 - $3,000 (varies by company).  Post-operative care is not to exceed 50-100% (varies by company) of the surgical fee of the emergency colic surgery, and/or 20-30 (varies by company) days of treatment from the time of the insured emergency colic surgery.  This coverage also includes third party emergency transportation not to exceed $300.  Please be advised if horse has suffered colic, impaction or torsion in the 12 months prior to effective date coverage does not apply.**

The major exclusions found in the Full Mortality policy are neglect of an animal, intentional destruction, war and nuclear explosion.  Please note:  Some companies require that your horse be given the West Nile Vaccination in order for coverage to apply.  Be sure to speak to your representative if you have any concerns.

Valuation