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Q3)   What causes of death are covered by Full Mortality Insurance?

Full Mortality insurance covers the horse's owner for the fair market value of that horse if it dies. Under the terms of most Full Mortality policies, the insurance will be paid if the horse dies during the policy period or within thirty days after the expiration of the policy period, if the death is the result of an accident that occurred during the policy period, or the result of an illness or disease that the horse contracted during the policy period. This includes euthanasia under certain circumstances; the company must agree to the destruction of the horse; a company-appointed veterinarian must issue a certificate certifying that the horse's destruction was necessary for humane reasons. Euthanasia may also be covered in the absence of a company-appointed veterinarian, if a licensed veterinarian called by the horse's owner certifies that the horse had to be destroyed immediately to avoid incurable and excessive suffering.

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