Horse Insurance

Horse insurance is a specialised type of policy that covers equestrian insurance for horses, riders, horseboxes and trailers. Insurancewide can help if you are looking for insurance for anything from your stallion, racehorse, colt, filly, foal, pony or gelding to your saddlery, tack stables and vet fees.

Why Horse Insurance?

Horse Insurance is becoming increasingly essential as the cost of veterinary treatment continues to rise. Vet bills can easily run into many thousands of pounds making the decision to pay for the treatment of a well loved animal a very emotional issue. The purchase of a horse insurance policy designed to protect your investment and companion, will help to reduce the emotional and financial trauma should the services of a vet be required. there are plenty of horse insurers in the market that can offer extensive levels of cover at very low premiums.

Benefits of Horse Insurance

• Age: insurance is available for horses from the age of 8 weeks to 15 years under a standard horse insurance plan. If your horse is 15 years old or more, it can still be insured under a mature horse plan.
• Type: horse insurance policies cover a range of classes including both personal and professional use which cover most equestrian disciplines.
• Numerous Plans: to suit different requirements and budgets including insurance for riders and trailers.
• Discounts: if you own several horses it is worth buying a policy to cover all your animals. This will ensure they will receive suitable treatment when it is required, and that you pay only one premium. You can normally get a discount if the horse is freeze-marked.

What's Covered by Horse Insurance?

Horse insurance is designed to cover a number of eventualities from minor health check ups to the death of your horse. In addition horse insurance indemnifies you against third party claims where your horse is involved in any property damage or injury to a person. If it's driving and dressage, hacking or racing, horse and equine insurance is becoming a necessity, giving not just piece of mind but financial and risk management.

Some key areas a horse insurance policy is designed to cover include:

• Loss of animal: insurance against death or slaughter on humane grounds following an accident or illness, including pregnancy. Some policies will also include loss by theft and cost of advertising for the return of a missing animal. Insurance for the cost of livery if you are hospitalised, and holiday cancellation expenses should your horse require emergency surgery.
• Loss of Use: cover is available to compensate you for any depreciation in the market value of your horse if it is no longer capable of being used for one of the purposes for which it is kept and insured following an accident or illness. This protection is not available on all policies and is certainly worth looking out for.
• Vet's Fees: horse insurance will provide cover up to a certain limit per incident to pay for vet's fees and expenses and may also include transportation and hospitalisation.
• Personal Liability: if you are unfortunate to be involved in an accident where the injured/damaged party decides to make a claim against you, horse insurance will indemnify you against the financial consequences of a successful claim. Usually cover applies not only to any person riding your insured horse but also for you riding a horse which you do not own. Horse insurance should also cover any legal fees incurred which means that your interests will be professionally represented in a court of law should it become necessary.
• Tack, Saddles and Horse-drawn vehicles: your saddlery and tack represents a considerable financial investment and horse insurance should take into account any items used in conjunction with owning a horse. Saddlery and tack has always been attractive to thieves. In addition, horse insurance should also provide compensation for any loss from fire or accidental damage irrespective of whether your tack is kept at home or at a livery yard.
• Personal accident: Accidents are unavoidable and horse riding can be a dangerous activity. Typically compensation will be paid in the event of death, loss of limbs, sight, speech or hearing as well as permanent total disablement.

The Top 10 Claims Resulting from Horse Insurance are:

1. Vets fees for illness.
2. Vets fees for accident.
3. Death by illness.
4. Death by accident.
5. Saddlery and tack.
6. Permanent incapacity.
7. Public liability.
8. Theft or straying.
9. Dental cover.
10. Personal accident.