With distinct bloodlines, skills, training, and potential, many people insure their horses for a variety of reasons. The countless hours and money spent on investing in bringing a horse to its full potential can be enormous. There is a high risk if something happens to the horse that could result in potential loss of the horse, which is why owners typically purchase life insurance for horses along with horse medical insurance. If a horse develops a health issue, it will cause the vet bills and surgical procedures to add up quickly. Our horse medical insurance will help pay for some treatment expenses, so your horse has a chance to get better.
Here at Ark Agency, our team can explain the difference in each type of horse insurance we offer to ensure you pick the best one for your specific situation. We will assist you in selecting a limit and premium that will work with your budget and needs.
A surgical endorsement protects against loss from covered and required equine surgical procedures. The Insurer generally agrees to pay veterinary surgical expenses within the policy limits and conditions for surgery that may save a horse’s life. A payment limit is set by the policy, usually between $5,000 and $10,000. Some exclusions will apply.
Another optional extra that can be tacked onto a full mortality policy is a major medical endorsement. The Major Medical Endorsement generally pays for veterinarian services to treat injuries sustained from accidents, illness, and disease. This coverage too has a set limit; usually between $5,000 and $10,000. Some exclusions and a deductible will apply.
Give us a call today at (320) 243-7250 for a customized livestock and horse insurance quote.