Exclusive to the HQ Insurance Group, which Magic Millions is a part of, the Guaranteed Renewal Clause offers you superior coverage without the annual hassle and cost of arranging renewal health documentation. The insurer will guarantee the renewal of your horse with NO exclusions and without the requirement of any renewal veterinary/health documentation upon renewal each year until the horse reaches 14 years of age. Basically, if your horse were to chip a knee during morning track work or in a race proper, other insurers may be inclined to place an exclusion on the policy at renewal and likewise if your horse was to suffer a bout of colic. Here at Magic Millions our Guaranteed Renewal Clause can keep you continuously covered!