ATD has a supplementary medical benefit available to tester/observers and their test dogs, provided the test dog is owned or handled by the T/O and is or was a therapy dog registered with ATD. T/O’s may apply for this benefit only if the T/O and/or the test dog suffers bodily injury from testing or observing applicants, regardless of whether the injury is caused by the dog or the handler being tested/observed. The benefit will cover only medical bills and costs not covered by the T/O’s primary health insurance policy, Medicare or Medicaid and veterinary costs not covered by the test dog’s insurance policy. The T/O and/or test dog is eligible for up to $5,000.00 per incident. Any medical or veterinary costs exceeding $5,000.00 are the sole responsibility of the T/O. The following is the criteria that will qualify the T/O and/or test dog to receive this medical benefit.