Catastrophic Accident & illness

Catastrophic Accident & illness endorsement is available to insure for unexpected traumatic injuries or severe illnesses. This limited coverage offers insurance for specific types of injuries and listed illnesses (see below), but does NOT insure for diagnostics or treatments unless listed. This endorsement is NOT available on a stand-alone basis, but can be added to a Full Mortality policy.

What you need to know:

Available for horses 30-days old to 20 years of age, with a Mortality policy

$5,000 Limit available per policy period, regardless of horse’s insured value

Deductible of $375 before the policy will respond

Pre-existing conditions may NOT be covered, whether or not a claim was filed. Companies will review a horse’s health history on case-by-case basis to determine the exclusions.

Provides coverage for specific perils and emergency-related diagnostics, and excludes specific perils and diagnostics

INCLUDES coverage for the following:

Diagnostics only for visible, external, traumatic accidents or injuries:

  • Radiographs
  • Ultrasound
  • Bloodwork
  • Myelogram

Treatments covered:

  • Colic  (medical &/or surgical)
  • Illness or accidental, external and violent injury  (i.e. Lacerations)
  • Neurological disorders:  EPM, West Nile, EHV-1
  • Viral &/or Bacterial illness: Lyme Disease, Ehrlichiosis
  • Laminitis

EXCLUDES any coverage on the following:

  • NO Bone Scans
  • NO MRI

NO Treatment coverage for the following:

  • Gastric / intestinal ulcer
  • Lameness
  • Navicular conditions
  • Pedal osteitis
  • Arthritis / DJD
  • Vertebral abnormalities
  • Skeletal abnormalities
  • Bone spavin or bone chips
  • OCD
  • Tendonitis / ligament desmitis
  • Other such conditions

How Much Does It Cost?

To add Catastrophic Accident & Illness coverage, it would add between $255 – $325 to the Mortality premium (subject to policy minimum premiums)

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