| AEIG's
full mortality policy provides coverage for death as a result
of an injury, illness, or humane destruction, and includes loss
or death as a result of theft. Coverage territory includes the
continental U.S.A. and Canada. |
| Premiums
are based on the horse's breed, age, and use. |
| AEIG's
Full Mortality policies also include: |
 |
Colic
Surgery Coverage of up to $3,000, including aftercare.
|
|
Value
Endorsement - if the value of the horse at any
time during the policy period was equal to the limit of liability,
the insured will be paid that amount. |
|
Guaranteed
Extension Coverage - in the event of a condition
occurring and reported during the policy period, mortality coverage
for that condition will automatically continue for up to
12 months from the expiration date. |
Additional
mortality coverages available include:
|
 |
|
$7,500
Annual Aggregate Limit coverage offers a limit
of up to $7,500, not to exceed the horse's insured mortality
limit, subject to a $300 deductible. |
|
$10,000
Annual Aggregate Limit, subject to a $300 deductible.
|
|
$15,000 Annual Aggregate Limit, subject to a $300 deductible (At this time $15K limit is not available in CA).
|
| AEIG's
medical coverages are some of the best available in the marketplace.
Medical coverages include: |
| |
 |
Diagnostics
- up to the full limit of the medical coverage
is available for diagnostics, often a significant cost
in examining and treating an ill or injured horse. |
|
| |
|
Lameness
- AEIG's coverages have no limitations on
diagnostics or continuing care for lameness or other conditions.
|
|
| |
|
No
Co-Pays - AEIG's coverages have no co-pays.
|
|
| |
|
Continuing
Care - AEIG's coverages have no continuing
care time limits. |
|
| |
|
Navicular,
arthritis, and DJD - Conditions such as
navicular, arthritis, and DJD are not automatically
excluded in AEIG's medical coverages. |
|
| |
|
Medical
extensions - AEIG's coverages provide for
up to 30 days additional coverage after expiration. Some
companies have no extension on medical conditions occurring
just prior to expiration. |
|
|
Surgical
Only coverage - AEIG's coverage has a $5,000 annual
limit, a $0 deductible, and up to 100% of the cost
of the surgery is available for aftercare coverage, making this
coverage one of the best surgical plans available in the market. |
|
Colic Medical and Surgical - Coverage provides an annual
limit of the lesser of $3,000 or sixty percent (60%) of the
mortality limit of liability, for
cost of medical and surgical colics including aftercare, subject
to a $300 deductible.
|
 |
|
Third Party Liability - provides coverage in
the event the insured horse causes bodily injury or property
damage to a third party. |
|
Territorial
Limits Including Transit - Mortality coverages may
be extended to include coverage while transporting to, from,
and while staying in other approved countries. |
|
Stallion Infertility for A, S, & D - Coverage
in the event a proven stallion becomes permanently incapable
of settling mares in foal as a result of an accident, sickness,
or disease. Pays up to 100% of the limit of liability. |
|
External Injury Loss of Use - Coverage for if the insured horse becomes totally and permanently unfit for its insured use as a result of a visible, external, accidental and violent means injury. Pays up to 50% of the limit of liability. |
|
Full
Loss of Use -
Coverage for if the insured horse suffers an illness or injury,
and as a result becomes totally and permanently unfit for its
insured use. Pays up to 50% of the limit of liability. |
|
Named
Perils -
Available to horses of any age over 24 hours, this coverage is for death as a result
of specific named causes such as fire and lightning, and
includes coverage for theft. |
| |
|
| Mortality
policies are available in all U.S. states except Alaska and
Hawaii. |
