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Frequently Asked Questions



Q9)  What are the limits to the types of surgeries that are covered by Major Medical and Surgical Insurance?

Major Medical insurance covers most of the costs involved with a horse's care due to accident, injury, or illness. Like similar insurance for humans, there is usually a deductible involved, and certain financial limits. This coverage will pay for necessary surgical expenses, but not for the travel expenses of the veterinarian or of the animal - a horse that needed to be transported to a specialty hospital for surgery, for instance.

Surgical coverage pays for any surgical costs due to accident, injury, or illness, and for associated costs such as X-rays and CAT scans, laboratory tests, medication, and hospitalization.

Nether Major Medical nor Surgical insurance will pay for elective surgery such as castration, spaying, Caslick's, or any form of cosmetic surgery. Nor will they cover the costs of routine veterinary care, or any other treatment that could be considered regular maintenance for a healthy horse - including elective "alternative" treatments such as chiropractic, massage, and acupuncture.

Some types of horses are excluded from major medical and surgical policies, just as they are from some mortality policies - racehorses, for instance.

And some horses that have undergone certain types of surgery, notably colic surgery, may have to wait a certain number of months before they may be reinsured.

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