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?
In most cases, it does not. Your Medical/Surgical coverage extends for a period of 90 days past the policys expiration date for conditions that onset during the policy period AND that are reported as required by the policy. Therefore, coverage for related treatment will extend for an additional 90 days. Any covered charges will be paid up to the limits of the expiring policy. Your underwriter will review your horses current condition and his/her history and Medical/Surgical coverage for further treatment of the current condition, as it is considered pre-existing to the renewal policy.
In most cases, it does not. Your Medical/Surgical coverage extends for a period of 90 days past the policy’s expiration date for conditions that onset during the policy period AND that are reported as required by the policy. Therefore, coverage for related treatment will extend for an additional 90 days. Any covered charges will be paid up to the limits of the expiring policy. Your underwriter will review your horse’s current condition and his/her history and Medical/Surgical coverage for further treatment of the current condition, as it is considered pre-existing to the renewal policy.
Related Questions
- Will purchasing a Short Term Medical plan make it harder for me to get coverage in the future for a pre-exisiting medical condition?
- Do I really need Major Medical/Surgical coverage, especially since the policy automatically includes coverage for colic surgery?
- Why isn’t Pre-existing Medical Condition Coverage Included in the Travel Protector Lite Plan?
