$5,000 Emergency Colic Surgery Endorsement
This form is a $5,000 Colic Surgery Endorsement that modifies the Equine Mortality – Broad Form policy by adding a separate, limited additional coverage for colic surgery expenses. It also states there is no additional premium for this coverage.
What’s Covered
- Pays reasonable and customary veterinary fees for colic surgery performed by a qualified veterinarian.
- Applies when surgery occurs during the policy period, or (if the policy period is 365 days or longer) up to 120 days after the policy period ends.
- The colic incident must first occur while the endorsement is in effect and be reported during the coverage period.
- Limit: Up to $5,000 per horse (aggregate). If the insured has partial ownership, payment is limited to the insured’s ownership percentage of the $5,000.
- This coverage is primary over other collectible insurance.
What’s Not Covered
- Any horse with a prior colic or gastrointestinal disorder history, unless fully disclosed and accepted before the endorsement effective date.
- Colic surgery that:
- Is for a condition other than colic;
- Is performed by someone other than a qualified veterinarian;
- Is related to malicious/intentional acts, poisoning, or gross negligence; or
- Involves a horse under 30 days old or over 20 years old at the endorsement effective date.
- Certain expenses, including necropsy, authorized humane destruction, disposal, vet call/travel charges, transport, and non-qualifying facility hospitalization/boarding.
- Any fee to prepare required veterinary reports.
- Does not apply to horses insured under an Equine Mortality – Specified Perils Form.
Important Requirements
- Immediate notice by phone of any colic, including a description of the event and the treating veterinarian’s contact information.
- Within 60 days of the surgery, submit:
- A written veterinary report (note: the cost to prepare this report is the insured’s responsibility), and
- Complete copies of all bills/invoices for the colic surgery.
- The insured must cooperate with the insurer’s investigation (provide access to people, records, and documents as requested).
- All other underlying policy terms still apply unless specifically changed by this endorsement.
Important: This summary is provided for convenience. Please refer to the actual policy wording for full details and exclusions.
- Great American $5,000 Emergency Colic Surgery Endorsement (EQU11400622)
Standard Mortality Policy and Automatic Coverages
Optional Coverages Available with Equine Mortality