Colic Surgery Coverage Program Terms & Conditions

Effective Date: September 24, 2026

Horses enrolled in and in compliance with the 100X Equine Colic Surgery Coverage Program (the “Program”) after the Effective Date (“Eligible Horses”) are eligible for reimbursement from 100X Equine, LLC (“100X Equine”) of up to $20,000 in colic surgery assistance fees (“Surgical Reimbursement”), subject to these Terms & Conditions (this “Agreement”).

1. Eligibility

To be an Eligible Horse, a horse must:

1. Be accepted into the Program. To be accepted, the horse’s owner (“Customer”) must have completed the Program Enrollment Form and received written confirmation from 100X Equine that the horse has been accepted (“Enrollment Notification”). Acceptance into the Program does not by itself entitle the Customer to Surgical Reimbursement.
2. Reside in the United States and be under the direct care of a veterinarian licensed in the United States (“Attending Veterinarian”).
3. Be fully weaned and at least six (6) months of age.

A horse is not eligible for enrollment if it has had any of the following:

1. Previous colic or abdominal surgery — defined as any surgical procedure performed on the horse’s abdomen at any time during the horse’s life;
2. Chronic colic — defined as three (3) or more episodes of veterinarian-attended colic (telemedicine included) within any twelve (12)-month period; or
3. Colic within the twelve (12) months prior to applying — defined as any veterinarian-attended colic episode (telemedicine included), regardless of whether the veterinarian treated the horse.

2. Program Requirements

An Eligible Horse must meet all of the following Program Requirements to remain in compliance with the Program and eligible for Surgical Reimbursement.

2.1 Purchase Requirements

Gut X is the “Qualifying Product.”

1. The Qualifying Product must be administered to the Eligible Horse daily at the performance dose set out in the Dose Matrix below, and must be purchased through an active automatic shipment (AutoShip) subscription that qualifies under this Agreement. A subscription qualifies if it supplies the horse’s required daily performance dose for the full period between scheduled shipments, that is, the total ounces per shipment divided by the number of days between scheduled shipments must equal or exceed the horse’s required daily dose (one gallon = 128 oz). By way of example, for a horse requiring 2 oz daily: one (1) gallon on a 60-day schedule qualifies; two (2) or more gallons on a 90-day schedule qualifies; one (1) gallon on a 90-day schedule does not qualify. For Customers enrolling multiple horses, the AutoShip subscription must supply the combined required daily performance dose for all Eligible Horses. By way of example, three (3) gallons on a 30-day schedule supplies the required performance dose for up to six (6) horses requiring 2 oz daily.

   A Customer also satisfies the daily performance dose requirement for any period during which 100X Equine has verified, from its own order records, that the Customer holds a quantity of the Qualifying Product sufficient to supply the required daily performance dose for that entire period (such quantity, “Verified Supply”). Verified Supply is calculated as the total ounces of Qualifying Product purchased and not yet consumed at the required daily performance dose, divided by that dose. Reliance on Verified Supply requires that an active AutoShip subscription remain in place throughout and that it resume supplying the required daily performance dose, calculated under this Section, no later than the date the Verified Supply is exhausted. A Customer’s own statement as to the quantity held is not sufficient; only purchases confirmed by 100X Equine from its order records may be counted.

2. Customers who do not have an active AutoShip subscription at the time of acceptance must establish one, with the first qualifying shipment scheduled to ship within five (5) business days following acceptance, barring any delays caused by 100X Equine. Customers with an existing active AutoShip subscription may continue it, provided it meets all Program Requirements.
3. A qualifying period of thirty (30) consecutive calendar days following the date of acceptance must be completed before the horse becomes eligible for Surgical Reimbursement. Any colic incident or colic surgery occurring during the qualifying period is not eligible for Surgical Reimbursement.
4. Customers may not postpone a scheduled shipment more than fourteen (14) consecutive days past the scheduled ship date, or more than twenty-eight (28) total days within any twelve (12)-month period. These limits do not apply to a shipment postponed while the Customer holds Verified Supply, as defined in Section 2.1.1, sufficient to supply the required daily performance dose for the full duration of the postponement.
5. If these Program Requirements are not met at any time, the horse is no longer eligible for Surgical Reimbursement. To regain eligibility, the Customer must reapply to the Program, receive a new Enrollment Notification, and complete a new thirty (30) calendar-day qualifying period during which the Qualifying Product is continuously administered at the performance dose.

2.2 Dose Matrix

Dose is based on the horse’s current body weight and must be adjusted as needed to correspond with changes in weight, including growth in horses under one (1) year of age.

2.3 Annual Wellness Requirements

For purposes of this Section, “each year” means the twelve (12)-month period prior to the date of the colic incident. The Customer must provide, when a claim is submitted:

1. Documentation of at least one (1) physical examination by the Attending Veterinarian each year, and compliance with all of the Attending Veterinarian’s recommendations;
2. Documentation of at least one (1) dental examination by the Attending Veterinarian each year, and administration of dental treatment(s) as recommended by such examination;
3. Documentation of annual core vaccinations administered by the Attending Veterinarian — such as those recommended by the American Association of Equine Practitioners (AAEP): tetanus, EEE/WEE, WNV, and rabies — as well as any additional vaccinations recommended by the Attending Veterinarian; and
4. Documentation of participation in a deworming program directed by the Attending Veterinarian that includes at least two (2) deworming administrations and at least one (1) fecal egg count test each year.

Wellness items 1–4 above do not count toward compliance if administered or performed during a colic incident or colic surgery, or within seventy-two (72) hours prior to the onset of the colic incident or colic surgery.

3. Reimbursement

Surgical Reimbursement is limited to $20,000 over the lifetime of an Eligible Horse and is limited to Eligible Expenses incurred while the horse is an Eligible Horse. Any fees exceeding the Surgical Reimbursement are the sole responsibility of the Customer.

Expenses eligible for Surgical Reimbursement (“Eligible Expenses”) are only those costs incurred by the Customer or the Customer’s agent for a surgical colic incident, namely:

1. Preoperative care provided at a veterinary surgical facility;
2. Emergency (non-elective) surgery, limited to the digestive tract, provided at a veterinary surgical facility; and
3. Postoperative care provided at a veterinary surgical facility, including up to $500 for handling of final remains (if applicable).

Costs reimbursed by any third party (including any insurer) are not Eligible Expenses.

If euthanasia is performed during surgery based on the operating veterinarian’s medical judgment, Eligible Expenses incurred up to that point (including the final-remains benefit) remain eligible, provided the surgery was emergency and non-elective as certified in the Program Compliance Affidavit.

To apply for and receive Surgical Reimbursement, the Customer must:

1. Have received the Enrollment Notification;
2. Have purchased the Qualifying Product and administered it at the performance dose for a minimum of thirty (30) consecutive calendar days prior to surgery and for the entire time since acceptance. Qualifying Product purchased before acceptance counts toward continuous administration only where the purchase constitutes Verified Supply under Section 2.1.1. For the avoidance of doubt, the thirty (30) calendar-day qualifying period under Section 2.1.3 begins on the date of acceptance regardless of when the Qualifying Product was purchased;
3. Ensure that both the Attending Veterinarian and the veterinarian performing the surgery are licensed in the United States;
4. Notify 100X Equine in advance if the Eligible Horse travels outside the United States;
5. Notify 100X Equine of the surgery within fourteen (14) calendar days of the date of surgery;
6. Have the Attending Veterinarian complete and send the Program Compliance Affidavit to 100X Equine within fourteen (14) calendar days of the date of discharge from the veterinary surgical facility;
7. Have the veterinary surgical facility complete and send the Surgical Reimbursement Form to 100X Equine within fourteen (14) calendar days of the date of discharge;
8. Have paid all costs associated with the colic surgery in full prior to submission; and
9. Submit all required documents and receive 100X Equine’s approval of the Surgical Reimbursement.

Only the Customer may apply for Surgical Reimbursement. Upon approval, a check for the applicable amount will be issued within thirty (30) days of approval, in the name shown on the veterinary receipt as the payor, and delivered to the address provided by the Customer.

100X Equine will notify the Customer of acceptance or denial of a claim by email. If a claim is denied, the Customer has fourteen (14) calendar days from the date of denial to request a claim denial review form. The completed form must be returned to 100X Equine within ten (10) days of receipt; otherwise, the denial is final.

4. Ownership Transfer

Program coverage terminates automatically upon the sale or transfer of an Eligible Horse. Coverage is not transferable to a new owner. A new owner must apply to the Program independently, receive their own Enrollment Notification, establish their own qualifying AutoShip subscription, and complete a new thirty (30) calendar-day qualifying period before the horse becomes eligible for Surgical Reimbursement under the new owner.

5. Disclaimer of Warranties / Limitation of Liability

100X EQUINE DISCLAIMS ALL WARRANTIES AND CONDITIONS, EXPRESS OR IMPLIED, AND EXPRESSLY DISCLAIMS ANY IMPLIED WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. COMPLIANCE WITH THE TERMS OF THIS AGREEMENT DOES NOT CONSTITUTE A GUARANTEE THAT AN ELIGIBLE HORSE WILL NOT EXPERIENCE COLIC. 100X EQUINE’S MAXIMUM LIABILITY FOR ANY CAUSE OF ACTION ARISING UNDER OR RELATED TO THIS AGREEMENT SHALL NOT EXCEED THE AMOUNT OF THE APPLICABLE SURGICAL REIMBURSEMENT.

100X Equine assumes no responsibility or liability for any services or products not under 100X Equine’s control. The Program is not intended to be a substitute for insurance coverage, and the Program is not an insurance policy.

6. Termination

100X Equine may revise or cancel the Program upon ninety (90) days’ notice to Customers with Eligible Horses; at the end of such period, all benefits under the Program will end (in the case of cancellation). Continued participation in the Program constitutes acceptance of any revisions. Notification under this Agreement may be by any reasonable method chosen by 100X Equine.

100X Equine reserves the right to investigate any claim and reserves the right, at its sole discretion, to reject any claim and to disqualify any horse, Customer, veterinarian, or veterinary surgical facility from the Program. Any false or fraudulent claim made by a Customer is grounds for disqualification. Any false or fraudulent claim made by a veterinarian is grounds for disqualification and may be reported to the applicable state Veterinary Medical Board.

7. Miscellaneous

This Agreement constitutes the entire agreement between the parties with respect to the Program. This Agreement is solely between the Customer and 100X Equine. This Agreement is not assignable or transferable by the Customer, in whole or in part, without 100X Equine’s prior written consent. 100X Equine may assign its rights or obligations under this Agreement upon notice to the Customer.

100X Equine reserves the right to change the terms of this Agreement or the Program, which shall be evidenced by a new Effective Date. When changes are made, 100X Equine will make a new copy available and may attempt to notify the Customer by email at the last email address provided. If the Customer disagrees with the changes, the Customer’s sole remedy is to discontinue participation in the Program; continued participation constitutes acceptance of the changes.

If any provision of this Agreement is found unenforceable or contrary to law, the remaining provisions shall remain in full force and effect. This Agreement shall be governed by the laws of the State of Texas.