Do I really need Major Medical/Surgical coverage, especially since the policy automatically includes coverage for colic surgery?
It depends. The automatic colic surgery coverage with the Full Mortality policy has a limit of $3,000 or less, depending on the insured value of your horse. Costs for colic surgery can range greatly depending upon the severity of the colic, the area of the country you are in, and if there are post-operative problems. Adding Major Medical/Surgical or Surgical Only coverage would provide you with a higher limit for colic surgery as well as providing coverage for other health problems your horse might face. Although colic is many horse owner’s worst fear, it is not the only expensive health problem your horse might face. Lameness, EPM, and founder are just a few other problems that can be lengthy and expensive to treat. The Major Medical/Surgical coverage will help reimburse you for both the diagnostics and treatment for problems such as these as long as the conditions are not pre-existing to the policy.
Related Questions
- If my policy is due to renew in the near future and my horse is still treating for a medical/surgical condition. Does my coverage for related treatment end when the policy expires?
- Do I really need Major Medical/Surgical coverage, especially since the policy automatically includes coverage for colic surgery?
- What is the Free Emergency Colic Surgery coverage?
