Equine Major Medical Insurance
The cost of adding Equine Major Medical Insurance to your annual premium is priceless should an incident catch you off guard when you least expect it. Acquiring major medical for your horse, could end up the sole determining factor of whether your horse is afforded the medical attention they need in case of an unforseen emergency.
In addition to your mortality policy, Equine Major Medical Insurance may be added to your policy to cover the expenses of an injury, lameness, accident or illness your horse may encounter. Unlike Surgical Insurance which only covers the costs associated with surgery, Equine Major Medical Insurance is a full coverage insurance offering the most protection should your horse need any type of emergency veterinary care with limits of $7,500, $10,000, and $15,000 limits. If your horse is not eligible for major medical, we also offer colic, surgical and catastrophic coverage that may be added to your mortality policy.
There are many affordable insurance options available and we encourage you to CALL US in order to discuss your needs and put our 35+ years of equine insurance experience to work for you. Kay Cassell Equine Insurance will personally help you acquire the best policy with the most protection at a price you can afford.
Compare Medical Coverage by Insurer
Medical, colic and surgical options from the A-rated companies we represent. Choose a company to see its full coverage, or start with the quick compare below. Call us and we will help you choose the right fit for your horse.
Quick Compare: Major Medical
| Coverage | AEIG | Great American | HDI Global |
|---|---|---|---|
| $7,500 major medical | $425 premium $400 deductible |
$375 premium $750 deductible |
$425 premium $550 deductible |
| $10,000 major medical | $525 premium $400 deductible |
$575 premium $1,000 deductible |
$525 premium $700 deductible |
| $15,000 major medical | $725 premium $400 deductible |
$775 premium $1,500 deductible |
$775 premium $825 deductible |
| Free colic surgery coverage | Up to $3,000 or 60% of the horse’s value | $5,000 endorsement on qualifying horses | Up to $5,000 or the horse’s value |
American Equine Insurance Group (AEIG): full coverage details (tap to open)
| Coverage features | $7,500 Medical/ Surgical | $10,000 Medical/ Surgical | $15,000 Medical/ Surgical | $5,000 Zero Deductible Surgical | $5,000 Catastrophic Accident/ Illness |
|---|---|---|---|---|---|
| Premium | $425 | $525 | $725 | $150 | $300 |
| Deductible | $400 | $400 | $400 | $0 | $375 |
| Extension period | 90 days | 90 days | 90 days | 30 days | 60 days |
| Ages 31 days to 20 years (ages 16-20 require underwriting approval) | ✓ | ✓ | ✓ | ✓ | ✓ |
| No limit on duration of treatment for a claimed condition during the policy term | ✓ | ✓ | ✓ | ✓ | ✓ |
| Horse’s value must equal or exceed the coverage limit | ✓ | ✓ | ✓ | ||
| Medical colic | ✓ | ✓ | ✓ | ✓ | |
| Surgical colic | ✓ | ✓ | ✓ | ✓ | ✓ |
| Diagnostics: no sub-limit or co-pay | ✓ | ✓ | |||
| Diagnostics: $2,500 per claim / $5,000 aggregate limit | ✓ | ✓ | ✓ | ||
| Diagnostics: MRI and bone scan covered | ✓ | ✓ | ✓ | ||
| Lameness: no sub-limit or co-pay | ✓ | ✓ | |||
| Lameness: $2,500 per claim / $5,000 aggregate limit | ✓ | ✓ | ✓ | ||
| Lameness: shockwave, IRAP, PRP, Tildren and stem cell | ✓ | ✓ | ✓ | ||
| No coverage for lameness | ✓ | ||||
| Gastric ulcers: no sub-limit or co-pay | ✓ | ✓ | ✓ | ✓ | |
| No gastric ulcer coverage | ✓ |
Included with every AEIG full mortality policy: free emergency colic surgery coverage (annual limit of $3,000 or 60% of the insured value, whichever is less; not available for horses with colic in the 12 months before coverage starts), a free 12-month extension, and a free agreed value endorsement.
Zero Deductible Surgical can be stacked with any medical/surgical limit or with Catastrophic coverage, as long as the horse’s insured value meets or exceeds the combined limit. No vet exam is required for sound, healthy horses aged 31 days to 20 years insured for $100,000 or less.
Great American: full coverage details (tap to open)
| Coverage features | Colic Treatment and Surgery | Surgical (General Anesthesia) | $7,500 Medical Assistance | $10,000 Medical | $15,000 Medical |
|---|---|---|---|---|---|
| Premium | $150 | $150 | $375 | $575 | $775 |
| Coverage limit | $10,000 | $10,000 | $7,500 | $10,000 | $15,000 |
| Deductible | $250 | $250 | $750 | $1,000 | $1,500 |
| Co-insurance: company pays 80% of reasonable and customary vet fees | ✓ | ✓ | |||
| Horses aged 30 days through 20 years | ✓ | ✓ | ✓ | ✓ | ✓ |
| Horses valued at $20,000 and over | ✓ | ✓ | ✓ | ✓ | ✓ |
| Horses valued under $20,000 | ✓ | ✓ | |||
| Eventing horses | ✓ | ✓ | |||
| Race horses | ✓ | ||||
| Covers navicular, arthritis and degenerative joint disease | ✓ | ✓ | ✓ | ✓ | |
| Covers accident, injury, illness and disease | ✓ | ✓ | ✓ | ✓ | |
| Covers respiratory surgery | ✓ | ✓ | ✓ | ✓ | |
| Covers respiratory or breathing treatment | ✓ | ✓ | ✓ | ||
| Sublimit for stomach or intestinal ulcers | $500 | $750 | $1,000 | ||
| Combined sublimit for lameness diagnostics and treatment | $3,500 | $5,000 | $7,500 |
Free colic surgery endorsement: $5,000 of colic surgery coverage on every qualifying horse Great American insures.
Tack endorsement: coverage for scheduled and unscheduled tack and equipment is available. Ask us for details.
Summary of Great American coverage sheet dated 02/2025.
HDI Global: full coverage details (tap to open)
| Coverage | Limit | Deductible | Premium | Horse value |
|---|---|---|---|---|
| Major Medical $7,500 | $7,500 | $550 | $425 | Over $20,000 |
| Major Medical $10,000 | $10,000 | $700 | $525 | Over $20,000 |
| Major Medical $15,000 | $15,000 | $825 | $775 | Over $20,000 |
| Colic Surgery Extension (free) | Horse’s value, up to $5,000 | $0 | $0 | Any horse |
| Supplemental Colic | $7,500 | $500 | $250 | Over $10,000 |
| Surgical | $7,500 | $500 | $250 | Over $10,000 |
| Life-Saving Surgery | $7,500 | $750 | $300 | Over $10,000 |
Age limit of 30 days to 20 years applies to all coverages except the Colic Surgery Extension.
HDI also offers full mortality, stallion permanent disability, prospective foal, restricted perils, international transit and surgical operations coverage.
Premiums, limits and terms are summaries and may change. Coverage is not available in all states. Call Jake Cassell at (423) 791-3867 for a current quote.
The Best Horse Insurance for Your Family
As horse owners, we all want the best for our horses. We also know how quickly major medical expenses can accumulate and a visit to the veterinarian is never cheap. In the unfortunate event your horse is severely injured, shows signs of colic, or even requires surgery or hospitalization, horse insurance will allow you to make a decision based on what’s best for your horse’s health knowing you have coverage for major medical bills. The experienced equine specialists at Kay Cassell Equine Insurance will help you navigate the confusing world of equine insurance and compare horse insurance plans to ensure that you have the best horse insurance policy to protect your entire family… including those with four legs.
Some horses are valuable, many are priceless. Protect your investment and friend by insuring your horses with Kay Cassell Equine Insurance
Kay Cassell Equine Insurance has been serving the horse insurance industry since 1981. We personally serve all your equine insurance needs. We understand. We're horse owners too! The experienced staff at Kay Cassell Equine Insurance gives you personal attention and are knowledgeable about horse owners needs. To protect your horse investment or equine related activities, we write all of our policies with only A+rated domestic companies who have strong financial backgrounds and equine experience.