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Horse Health 101 : Horse Health Library : Insuring Horses

Medical and Surgical Equine Insurance

Technological advancements are having a tremendous impact on equine health care, but the costs of certain treatments can be prohibitive. A major medical and surgical equine insurance policy may help you avoid the heartbreaking decision of whether you can afford the veterinary measures that could save your horse's life. As the name suggests, major medical/surgical insurance covers medical and surgical treatment for illnesses and injuries that occur during the insurance policy period. Some companies describe their coverage simply as major medical, but it often includes surgery as well. Typically, the coverage includes diagnostics, medications, surgery and postoperative care.

Medical/surgical policies for you horses usually do not cover routine care such as vaccines and dental treatment, nor do most policies cover elective or cosmetic surgeries or treatment for developmental or congenital birth defects. Alternative therapies, such as chiropractic, acupuncture or magnetic therapy, are often excluded from policies, but some companies review such treatments on a case-by-case basis. Other exclusions are pretty common-sense; for example, don't expect reimbursement if someone other than a certified veterinarian performs surgery on the animal.

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