Horse insurance

You could find the right horse insurance with our partner, Animal Friends^[1]

Animal Friends’ award-winning equine team can help you find the right insurance for your horse. You can choose from standard or mature horse policies with vet fees ranging from £2,000 up to £6,000 - there are extra benefits available too. Animal Friends also offer three different rider policies, with a variety of cover levels so you can opt for the one that suits your needs.
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What horse insurance do I need?

You need to consider whether the policy covers the costs if your horse was injured, taken ill, lost or stolen.

For example, if your horse’s breed is prone to certain medical conditions, would basic horse insurance contribute enough to help with vet fees? Could you afford to make up any shortfall?

Make sure any policy you’re considering covers what you want it to.

What does horse insurance cover?

There are a few cover options to choose from:

Standard cover
A standard horse insurance policy will usually cover one aspect as standard, for example vet fees, and then offer a range of optional extras you can add to your policy, like cover for death, straying or theft.
As with all pet insurance, carefully consider your level of cover and check the excess amount.
You can get standard cover for foals as young as 30 days, up until your horse is 20 years old.
Pre-existing conditions won’t be covered, but you still need to declare whether your horse has any.
Cover for older horses
You can get vet fee cover for horses aged 20 years and over – just check if there are any maximum age limits on your policy.
Like with standard cover, there are also optional extras.
Make sure you read your policy carefully to see what the maximum benefit paid will be in the event of death or an injury to decide whether to purchase insurance for your older animal.

Horse insurance optional extras

Here are a few common optional extras you may want to consider:

Loss of use

This will compensate you if you can’t use your horse for its original purpose due to injury or illness

Third party liability

Covers property damage and injury, illness or death to other people as a result of an incident your horse is involved in

Personal accident

This includes cover for certain medical treatments if you become ill, injured or die as a result of an incident your horse is involved in

Theft or straying

If your horse is stolen or lost, this cover will contribute towards the cost of finding your horse again, and reimbursing the cost of your horse if that’s not possible

Horse riding equipment

You’ll be covered up to a specified amount if any of your riding equipment, like your saddle or bridle, are lost, damaged or stolen

Horse trailers

If your horse trailer is lost, damaged or stolen, you’ll be reimbursed up to a certain amount

Excess on horse insurance

An excess is a set amount that you pay when you make a claim. The excess amount is deducted from the amount paid by the insurer. For example, if you claimed £1,000 for vet fees, and your excess was £100, the insurer would pay out £900.

Co-payments on horse insurance

A co-payment means that you and your insurer both contribute towards the cost of a claim. It’ll usually be a percentage of the claim amount, after excess has been deducted.

For example, if you want to claim £1,000 for vet fees:

Your claim amount, minus £100 excess: £900
Your co-payment percentage: 20%
Your contribution (20% of £900): £180
Your insurer’s contribution: £720