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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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