You can purchase one, two, three or all four of the major medical coverages (thereby increasing your limits). This is called stacking. Major medical coverage is an optional medical and surgical coverage that is added by endorsement to your Full Mortality policy. It is available to most horses from age 31 days through 20 years.
Just as people can be faced with unexpected medical bills, your horse, due to an injury or illness, may end up presenting you with an unforeseen financial burden. This coverage extends to include diagnostic testing and cutting edge treatments such as shockwave therapy, and IRAP and PRP therapies.
The Major Medical Insurance covers treatment for reasonable and customary charges performed by a licensed veterinarian necessitated by an accident, injury, illness, or disease. This coverage also provides protection for your horse should emergency surgery be needed. Under the Major Medical coverage you have between $10,000 to $35,000 per insured animal for emergency veterinarian care, or emergency surgery depending on the coverage(s) you choose. This coverage is subject to a $250.00 deductible per claim.
The cost per animal, per year is $375.00 for $10,000 in coverage and/or $475.00 for $15,000 in coverage. These two may be combined to provide $25,000 for $850.00.