The care they need. The support you hope you never have to use.
Meet Your Operative
Please provide information below
Medical Insurance?
Unlike mortality coverage, this policy is about recovery—not loss. It exists for the moments in between: when the horse is alive, treatable, and needs care now.
Why You Need Equine Medical Insurance
A sudden lameness. A colic episode. A pasture accident that turns into a midnight call to the vet. Emergencies in equine care don’t give you time to prepare.
Our Major Medical and Surgical Insurance coverage ensures you can authorize treatment quickly and confidently, knowing your coverage is structured to help with the costs that come next.
When Medical Bills Can’t Wait
Decisions about diagnostics, treatment, and surgery shouldn’t come down to whether the funds are available. This policy gives you breathing room when timing matters most.
Coverage That Puts Care Within Reach
Good veterinary care isn’t cheap and delaying it rarely saves money. With the right policy, you can prioritize your horse’s welfare without second-guessing the price tag.
Emergency Veterinary Treatment
Colic. Lacerations. Lameness. When an emergency strikes, we help cover the costs of immediate response and follow-up care.
Diagnostic Services
X-rays, ultrasounds, MRIs, scopes—diagnosing a problem is the first step to treating it. Our policy supports the tools vets need to get answers.
Surgical Procedures
From arthroscopy to colic surgery, we help cover major surgical interventions when they’re required for recovery.
Hospitalization
Some treatments require extended care. We help cover the cost of overnight stays and intensive monitoring.
Medication and Aftercare
Ongoing treatment plans matter. Our coverage extends to prescribed medications, follow-up visits, and rehabilitation support where eligible.
Who Needs This Coverage?
If your horse is an athlete, the demands are high and injuries aren’t rare. This policy protects your investment while supporting recovery.
When you’re caring for multiple horses, even one major injury can upset the balance. This policy helps mitigate those unexpected financial shocks.
You don’t need a stable full of horses to justify good coverage. If your horse matters to you, so does the ability to give them prompt, proper care.
Does this policy cover both accidents and illness?
Yes. Our Equine Medical Insurance covers a wide range of conditions, including injury, illness, and emergency situations—depending on the selected coverage.
Is surgery automatically included?
Surgical coverage is available as part of our major medical add-ons or as a standalone option, depending on the horse’s value and use.
Are pre-existing conditions excluded?
Typically, yes. We’ll walk through your horse’s health history before underwriting the policy to determine any exclusions.
Is there a deductible?
Yes. Deductibles vary based on the policy selected. We’ll outline the options clearly so you know exactly what’s covered and when.
Can I use my own vet?
Absolutely. You choose your vet. We support your relationship with your current care provider and base reimbursement on standard, reasonable charges.
How do I file a claim?
Start by contacting your operative or our claims team. We’ll guide you through the paperwork, request medical records, and process reimbursement efficiently.