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Equine Insurance

Horses and ponies can be expensive to buy, stable and keep therefore, the possibility of the added cost of vets' bills or the consequences of an accident can be worrying. Everything that surrounds having a horse has an expense attached including transport and equipment. However, there are insurance policies to cater for most needs of horses and also to cover the risks of riding a horse and public liability. Read more...>


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Not all policies will cover every aspect inclusively so it’s essential that you are sure what you are getting and what isn’t covered.

As with other animal insurance, horse insurance will take into account the age of the horse and as it gets older it will be harder to find a new policy although some insurers specialise in mature horse insurance.

The policy will detail what the maximum amount payable for any claim is and the maximum vet's bill that can be met by the policy. Some insurers offer benefits such as hire cover to pay for riding fees if your horse should be out of action for a period of time.

Equine insurance policies will specify the type of use that the horse is covered for such as gymkhanas, hacking or hunting.

Top Tips

Saddlery and tack may be insured against theft in your policy but there will be 'security of storage' stipulations
Hunting, polo and cross country are all horse uses that tend to attract a higher premium due to the increased risk
Horses policies usually include cover for death up to the chosen cover amount which has a direct bearing on the premium level
The variety of uses and expenses associated with horses mean that the insurance is available in far more levels than other forms of pet insurance and it is sensible to tailor the insurance to your specific situation