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 $7,500 limit per animal per year. This coverage will help you control veterinary expenses for unforseen events related to the health of your animal.

Should your insured horse require surgery, this endorsement will cover the costs. We will pay reasonable and customary charges for surgical treatment (including anesthesia) necessitated by accident, injury or illness. In addition to the surgery, we will pay up to 35% of the surgical fees for any 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 $5,000 limit per animal per year.