The Insurance Company with Horse Sense

Mary Phelps
A Markel Equine Insurance Specialist

Major Medical & Surgical

 


 

Medical Surgical options are available when purchasing a mortality policy on the actual cash value of your horse. There are several options and limits to choose from. This coverage is provided for clients as a means to help with the costly expenses of medical surgical treatments due to accident, sickness or injury.

 

Emergency Colic Surgery Expense  **This is now included on all eligible policies
Emergency Colic Surgery covers the cost for emergency colic surgery and is available for horses age 30 days through 18 years, with an insured value of $2,500 or greater and with no prior history of colic/gastrointestinal disturbances.  

  • $2,500 limit per horse, per policy term
    $0 deductible
    $0 premium - automatically included for all eligible horses.
  • $5,000 limit per horse, per policy term
     $0 deductible
     available for an additional premium

**The below rates will be in effect on all new policies bound on/after January 1, 2015

Surgical Only Coverage - Premium is fully earned

For a "covered animal" we will pay "necessary, resonable and customary veterinary fees" incurred by you as a direct result of "surgical treatment" and "miscellaneous extras" as defined and necessitated by a covered "accident, illness, injury, disease, or disability". Available for horses 31 days to 18 years old. 

  • $5,000 Limit - minimum insured value of $2,500 per horse required
    $50 deductible (no copay)
    $186 additional premium per horse, per year
  • $10,000 Limit - minimum insured value of $2,500 per horse required
    $50 deductible (no copay)
    $241 additional premium per horse, per year

Medical/Surgical
Medical/Surgical coverage will cover the cost for medical/surgical treatments due to accidents, illness, injury, disease or disability. Available for horses 31 days to 18 years old. We provide the following limits:

   Approved in all states except AK, FL, & WA

  • $5,000 Limit - minimum insured value of $5,000 per horse required
    $375 deductible & 20% copay
    $335 additional premium per horse, per year 
  • $10,000 Limit  - minimum insured value of $10,000 per horse required
    $500 deductible & 20% copay
    $426 additional premium per horse, per year 

    For states AK, FL, & WA

  • $5,000 Limit - minimum insured value of $5,000 per horse required
    $375 deductible (no copay)
    $338 additional premium per horse, per year
  • $10,000 Limit  - minimum insured value of $10,000 per horse required
    $500 deductible (no copay)
    $429 additional premium per horse, per year

Questions? No problem


 

For the personal attention you deserve contact Mary Phelps office.
Tracey Scharf office 800-572-3286
Mary Phelps cell/text 859-940-8517
insurance@horsesdaily.com

We are available on the scene, on the road, on the net, and in the office to answer your questions, help you with your applications, and be your direct connection to our Markel Underwriters. We work hard at this process so you don't have to. The application process does not have to be a daunting task. We are here to make it easy, so you can spend time with your horses and clients.