Insurance

Horse ownership can be a significant financial responsibility.

Having insurance in place can give peace of mind in the event of unexpected costs, allowing you to make decisions based on what is best for your horse rather than solely based on cost.

The main types of insurance available are Mortality (death of the horse), Permanent Loss of Use and Veterinary Fees. Veterinary fee cover pays for non-routine vet bills above an excess for an accident, illness or disease that first occurs after the onset date of the policy. Insurers offer a variety of different levels of cover to suit clients’ needs. Some policies will only cover accidental external injuries (for a lower premium) – it is important to check the coverage details.

You need to consider the excess payment, any restrictions on diagnostics and alternative or complimentary treatment cover (not all items will be covered). Policies will continue to cover the vet fees for a particular condition, up to the policy limit, for a specified period from the onset of the incident (usually 12 months).

We can offer guidance but cannot give specific insurance advice. We can assist you in the event you need to submit a claim.