The Colic Assurance Program from Arenus Animal Health is a colic-reimbursement guarantee built around daily digestive health. When you feed your horse a qualifying Assure digestive supplement and keep up basic veterinary wellness, your enrolled horse is covered for up to $15,000 in lifetime colic-treatment reimbursement benefits, for both medical (non-surgical) and surgical colic. There is no enrollment fee, no monthly cost, and no annual cost for the coverage itself. It is designed for owners across the United States and Canada who want to improve their horse's digestion and gain real peace of mind against one of the most expensive emergencies in horse ownership.
Enrolling is straightforward: complete the online Enrollment Form, purchase a qualifying Assure product, and begin the recommended feeding protocol. To buy the qualifying supplements, enroll, or ask questions, reach Arenus through their website at arenus.com.
The Colic Assurance Program (CAP) is a product guarantee, not an insurance policy. By keeping an enrolled horse on a qualifying Assure Digestive Aid product and meeting the program's wellness requirements, the horse qualifies for colic-treatment reimbursement if it experiences a colic episode while on the program. Arenus describes traditional colic-reimbursement offerings as historically exclusionary, often covering only surgery and declining horses with any prior colic history. The Colic Assurance Program was built to break down those barriers: it covers both medical and surgical colic, accepts horses with a prior history of colic or abdominal surgery, has no upper age limit, and even extends coverage during international travel for competing horses.
The Colic Assurance Program is powered by the Assure digestive line. Three products qualify: Assure® Guard, Assure® Plus, and Assure® Guard Gold. You can take the two-product system approach, pairing Assure Guard with Assure Plus, or choose the single-product Assure Guard Gold, which combines both into one easy-to-feed pelleted formula billed as The Ultimate Digestive Aid. The formulas blend prebiotics and probiotics, properly processed psyllium, a gastric buffer, digestive enzymes, and yeast to support the entire digestive tract from the stomach through the hindgut. Proprietary GST (Gastrointestinal Stabilizing Technology) is designed to protect the beneficial microbes through stomach acid so they reach the hindgut intact. Assure Guard Gold contains no added sugars, making it suitable for horses with metabolic concerns such as Cushing's, insulin resistance, laminitis, and Equine Metabolic Syndrome.
Per the program's published terms, qualified horses are covered for “up to $15,000. 00” in lifetime reimbursement “for medical (non-surgical) colic treatment or colic surgery assistance fees. ” The terms state that “Multiple episodes of medical colic will be covered during the lifetime” with an $800. 00 maximum reimbursement for any single medical-colic event, and that “One episode of surgical colic will be covered during the lifetime. ” Eligible reimbursement can include farm calls, in-hospital visits, diagnostics, trip charges, and associated treatment costs; only veterinarian-treated episodes qualify. To enroll, a horse must be formally accepted into the program, reside in the United States or Canada under the care of a veterinarian, and be fully weaned and at least five months of age. Enrolled owners purchase and feed the daily dose of a qualifying Assure product and maintain an annual wellness routine, including a physical exam, a dental exam, core vaccinations, and a veterinary deworming program. Always confirm current terms, limits, and conditions directly on the Arenus website before relying on coverage.
No. There is no enrollment fee and no monthly or annual cost for the coverage. The only ongoing requirement is purchasing and feeding a qualifying Assure digestive product and keeping up the program's veterinary wellness requirements.
Three Assure products qualify: Assure® Guard, Assure® Plus, and Assure® Guard Gold. You can feed the two-product system (Assure Guard plus Assure Plus) or the single-product Assure Guard Gold pelleted formula.
Both. The terms cover medical (non-surgical) colic and colic surgery. Multiple episodes of medical colic are covered during the horse's lifetime, while one episode of surgical colic is covered during the lifetime, up to the program's $15,000 lifetime maximum.
Yes. Unlike many colic-reimbursement programs that decline horses with a colic history, the Colic Assurance Program accepts horses with a prior history of colic or abdominal surgery, with tiered lifetime limits for horses that have had abdominal surgery.
It is available to residents of the United States and Canada. To be eligible, a horse must be under the care of a veterinarian, fully weaned, and at least five months of age. There is no upper age limit, so senior horses can be enrolled.
Assure Guard Gold combines prebiotics and probiotics, psyllium, a gastric buffer, digestive enzymes, and yeast to support the whole digestive tract from the stomach through the hindgut. It contains no added sugars, making it appropriate for horses with metabolic concerns.
Enrolled horses need an annual physical exam by a licensed veterinarian, an annual dental exam, annual core vaccinations, and a veterinary-directed deworming program. These requirements keep the horse eligible for reimbursement benefits.
A claim must be initiated within 14 days of the event, with complete documentation submitted within 30 days. Reimbursement is paid to the owner rather than directly to the veterinarian.
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