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Insurance – Types of Optional Extras available for Thoroughbred Horses

In some instances, these optional extras are provided free of charge; in other instances the insurer may levy an additional premium.

• Extension clause : 30 days, 90 days, 12 months (other – specify)
• Permanent infertility due to accidents, sickness or disease (for colts and entire horses only)
• Colic extension
• Operations extension
• Wobbler syndrome
• Part ownership
• Agreed value
• Automatic additions
• Full annual premium if loss - waiver
• For international transits – beserk extension
• For unborn/prospective foals – waiver of visual proof of loss
• For unborn/prospective foals – waiver of multiple pregnancy (twins)

• Surgical clause extension – this is where the Mortality Policy is extended to cover surgical procedures performed to save the life of an insured animal. This extension provides cover for the charges levied by a license veterinarian necessitated to save the life of the insured animal.