COVERAGE:

This policy provides coverage for death of an insured animal resulting for accident, sickness, disease, humane destruction or theft.

Emergency colic surgery coverage is automatically included for either 50% of the limit of insurance on the insured animal or a maximum of $2500 or 60% of  the limit of insurance on the insured animal or a maximum of $3000 depending on the company. Post-operative care expense is not to exceed 50% of the surgical fee of the emergency colic surgery, &/or 30 days of treatment from the time of the insured emergency colic surgery. Please be advised that if the horse has suffered colic, impaction or torsion in the 12 months prior to the effective date coverage does not apply.

The major exclusion found in this policy are neglect of an animal, intentional destruction, war and nuclear explosion.

VALUATION:

Normally your horse(s) can be insured in the amount equal to it's purchase price. Further increases in value can be justified by show, race, performance, or breeding records. Stallions used for breeding only are valued based on a formula involving the number of mares bred, times his stud fee, times a factor of 3. The value of homebred foals is determined by a factor of 3 times the sire's stud fee and average selling price of foals related.

RATES & PREMIUM:

Rates are determined by breed of horse, age, use, and value. A minimum premium of $150 applies per policy, not per horse. You may put more than one horse on a policy to satisfy the minimum premium.

CLAIMS:

In the event your horse is sick, injured, dies, is stolen, or is going to require surgery you must notify the insurance company at the toll free number included in your policy. In the event of a death claim we strongly suggest that you may keep on file a copy of the bill of sale, cancelled check registration papers and show/breeding/race records.

GUARANTEED RENEWAL (UPON REQUEST ONLY)

The rate of .25% for horses valued $10,000 or more. For horses under $10,000, the premium is $25 per horse. This endorsement will guarantee that the renewal policy will be issued without any exclusion for claims that may have been paid on the expiring term.

Coverage may vary slightly depending on the company the horse(s) are insured with. Please refer to the specific policy terms and conditions for exact coverage and exclusions.