Does my insurance company have an after hours emergency service? |
| Yes. Both Markel Insurance and Great American are available after hours
for emergency situations. Markel can be reached by calling
800-446-7925 and Great American 800-331-0211. The answering service
will page the on-call representative, who will contact you shortly
thereafter. |
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Does the Major Medical cover treatment for lameness? |
| Most companies will cover lameness issues sometimes subject to a
co-insurance for diagnostics and treatment related to lameness. That
does not include, pre-existing issues, intramuscular, intra-articular
and/or intravenous injections of synovial fluid stimulators and/or
replacers including, but not limited to, corticosteroids, Adequan,
Hyaluronic Acid, Legend and any associated/related treatments. |
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When is it necessary to report a claim? |
| It is necessary to report a medical or surgical claim as soon as
possible and a mortality claim immediately. If the horse is
hospitalized, the policy requires we be notified within 24 hours of
admission. This is very important, as the sooner we get the
information, the better we can serve you. Our Claims Examiners will
guide you through the claims process and explain your coverage so you
can fully understand the policy benefits. The policy does not cover
veterinary fees and expenses incurred more than 60 days prior to your
notice to us. |
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Is there a time limit for sending bills in? |
| The policy requires that you file the vet report and the invoices within 90 days after the onset of the medical treatment. |
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Does the policy cover all medications? |
| The policy does cover most medications, however certain medications
and/or treatments must have certain veterinary diagnostic tests done in
order to be eligible for coverage (Ex. Gastrogard, Marquis). Please
contact us if you have any specific questions about the condition for
which your horse may be tested or treated. |
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Does coverage apply for medication administered by anyone other than a licensed veterinarian? |
| Yes, as long as it is done under the direction of the treating veterinarian. |
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Should my veterinarian bill me or the insurance company directly for services rendered? |
| Since you are the customer, the bills should be directed to you. You
may have a deductible or co-pay that is your responsibility, or the
bill may include charges that the policy does not cover (i.e. report
fees). Payments for covered charges will be issued promptly in the name
of the policyholder. |
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Are alternative therapies covered by my policy? |
| Some alternative therapies may be considered for coverage, if performed
at the direction of the treating veterinarian. Please contact us if you
have a specific treatment you are considering. |
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If my policy is due to renew in the near future and my horse is still treating for a medical/surgical condition. Does my coverage for related treatment end when the policy expires? |
| In most cases, it does not. Your Medical/Surgical
coverage extends for a period of 90 days past the policy’s expiration
date for conditions that onset during the policy period AND that are
reported as required by the policy. Therefore, coverage for related
treatment will extend for an additional 90 days. Any covered charges
will be paid up to the limits of the expiring policy. Your underwriter
will review your horse’s current condition and his/her history and
Medical/Surgical coverage for further treatment of the current
condition, as it is considered pre-existing to the renewal policy. |
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