Notice of any accident, injury, illness, or disease must be made to the company whether or not the insured intends to claim medical benefits, and any charges for any treatment rendered more than 90 days PRIOR to notifying the company of the condition will not be covered. Any treatment or diagnostic procedures for non-surgical and/or non life-threatening lameness incurred after six months from the onset of the condition or coverage expiration will not be considered under coverage.

$7,500 Major Medical - $275 premium, $300 per incident deductible

• Medical payment will be the lesser of $7500 or the horse's insured value.
• Synovial fluid replacers (joint injections) whether or not used in conjunction with other treatments are excluded.
• NOT COVERED: Any previously existing condition, performance enhancing treatments or alternative medicine procedures, elective surgery, joint fluid replacement therapy, therapeutic shoeing, radial shock wave treatments unless an approved focused head machine is used, dental, developmental problems (i.e. OCD or congenital defects) or neurectomies.

$10,000 Major Medical - $400 Premium, $300 per incident deductible

• THE COVERAGE IS IDENTICAL FOR EACH LIMIT.