Addon Benefit - Named Perils Horse Mortality and Life Saving Surgery (Package Product)

$12,000 Named Perils Horse Mortality - Death or humane destruction of horse owned by the member when the member has purchased coverage. Fire or lightning, or smoke caused by either. Collision, derailment or overturning of railroad conveyances, except as a result of coupling operations. Collision, stranding, sinking, or burning of vessels incurred in such instances, on inland waterways only. Collision or overturning of a vehicle conveying any animal(s), unless involved with other vehicles owned or operated by or in the use, custody or control of You or your employees/agents. Collapse of bridges or culverts, earthquakes and/or floods. Windstorm, cyclone, tornado, hail, explosion, aircraft, and objects falling from them. Accidental injury while on board or being loaded into or unloaded from any aircraft or land transport vehicle; a) licensed for passengers and/or cargo: and b) in transit within Canada & United States of America. Accidental shooting except by: a) you or b) your employees. Drowning. Artificial electricity. Attack by dogs or wild animals. Collapse of building. This is a not a full mortality policy, just specific perils (fire, lightning etc.).  There is no age limit.  It’s also actual cash value, so you have to justify the horse’s fair market value in the event of a claim.

$2,500 Emergency Life Saving Surgery - **Horse Mortality Coverage is a prerequisite to purchase Emergency Life Saving Surgery Insurance. Reasonable and customary fees for emergency, life-saving surgical procedures performed under a general anesthetic, including colic and fracture repair, for horses owned by the member when the member has purchased coverage. Limit per member (per occurrence and aggregate) (after care coverage is limited to 50% of the surgical fee charge). This insurance does not cover surgical procedures not performed under general anesthesia. Surgery not performed by licensed veterinarian in a school of veterinary medicine or surgical clinic. Pre-existing conditions. Exams, medical treatments or medication unless administered with a surgery. Death benefit or post-mortem expenses Voluntary / elective surgery. Throat surgery, dental surgery, OCD or bone chip removal, surgery related to pregnancy or birthing. Transportation fees. Nuclear or radioactive contamination. War risks.