There are two Loss of Use endorsements which can supplement the Full Mortality policy.

  • Full Loss of Use – reimburses you with 75% of the Agreed Value in the event your horse becomes permanently incapable of fulfilling its intended use or function because of accident, illness or disease.
  • External Injury Loss of Use – similar to the Full Loss of Use endorsement, except the cause of the loss must be from an injury that is sudden, external, accidental and violent.

Neither Loss of Use endorsement is available for race horses or horses being trained to race. Examples of injuries/illnesses that might allow recovery under the Full Loss of Use coverage include severe tendon or suspensory injuries, severe degenerative arthritis, severe neurological problems, degenerative laminitis, etc.