This is why you need to read the fine print. Another thing in the pet plan cover is that: "The cost of any veterinary treatment or alternative treatment your horse receives after 12 months from the date the injury happened or the illness first showed clinical signs" will NOT be covered. This means if your horse has an ongoing illness it will only be covered for 12 months worth of treatment. I assume it is the same with colic. They will pay you out for colics that occur within 12 months after the first one but after the first 12 months post- colic you won't be covered.