External Injury Loss of Use

External Injury Loss of Use coverage is available for select uses only. It requires a Full Mortality policy and Major Medical/Surgical or Surgical Only 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 is permanently unable to perform its insured function as a result of a visible, external, accidental and violent means injury, you will be paid up to 50% of the amount of indemnity due under the mortality policy. This coverage is available for horses aged 1 through 17 years. See our Submission Guidelines for all submission and eligibility requirements.