Full Loss of Use

Full Loss of Use coverage is available for select uses only. It requires a Full Mortality policy and Major Medical/Surgical coverage. After a Loss of Use claim has been paid, the Company has the option of taking possession of the disabled horse.

This coverage provides that in the event your horse suffers an illness or injury, and as a result can no longer fulfill its insured function or use, or if the cost of surgical or medical support is not economically viable, you will be paid up to 50% of the amount of indemnity due under the mortality policy. Full Loss of Use is available for horses aged 2 through 12 years. Our complete Full Loss of Use veterinary certificate confirming the animal is sound for the stated use is required. See our Submission Guidelines for all submission and eligibility requirements.