Have always had it on horses, with 10k and $400 deductable and have to pay coinsurance.  Agent pushing for 1,000 deduct with no coinsurance and told me all the insurance companies are doing this because they don't want to lose money on major medical.   I have  in the past 20 years used major medical on horses for xrays, shockwave, ulcers, injury- none of which the 1000 deductable would make sense. I get it for colic... what are people being offerend these days? What is is covering? How about on ulcers, osphos, injections and some of the other things I see people needing to do? Or does it really just make sense on big ticket colic surgery? Thanks! 

Renewed a few months ago with $400 deductible -- no push to go to $1000.  May happen next time??? I use Connaway & Associates, Little Rock AR

Mine renewed with a $450 deductible,which as an insurance agent, I think is pretty standard. I would not let them talk me into a higher deductible if it doesn't make sense for your situation, I'd tell them to search for a new company, and if they told me they couldnt find one I'd look into a different agent. 

mine does not cover any routine maintenance like hock or stifle injections, just sudden or accidental injury. 

I recently filed a claim for a partially torn SDFT and they've paid for everything less my deductible. That included PRP, all the shockwave treatments, the ultrasounds, and sedation related to that injury.

It definately paid for itself because major med is not that expensive in my opinion.