Horse Insurance

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Horse riding insurance

Owning a horse or pony is so rewarding, but these beautiful creatures take up a lot of time and money! Making sure you’ve got a comprehensive horse insurance policy in place is crucial to protecting you from big vet bills or worse.

Whether your horse ventures onto the roads, races competitively, or takes little ones out for a ride, there are all sorts of mishaps that can happen. And with complicated procedures, vet bills for horse care are expensive.

Finding horse insurance can be time consuming, as each policy tends to be a pic and mix of cover that you need. That’s why it’s a great idea to start with a comparison quote, from which you can move onto more specific detailing with the insurer.

What does horse insurance cover?

Absolute basic horse insurance policies typically cover one big ticket – death, theft and straying – as standard. You can buy this cover alone, however, it’s worthwhile looking into the additional items you can add on to your policy to ensure both you and your horse are fully protected.

Add ons typically include:

  • Vet fees (non-routine procedures)
  • Surgical fees
  • Loss of use (eg. if your horse is declared lame)
  • Livery fees if you have to go to hospital suddenly
  • Loss, damage or theft of your tack and saddlery
  • Public liability (if your horse damages or injures someone else or their property)
  • Legal protection
  • Personal accident and dental treatment for riders and handlers between the ages of 5 and 75

What details do I need to get a horse insurance quote?

Get a pet insurance quote with Quote Goat in three simple steps. All we need are a few details…

1

Horse’s Details

Your horse’s name, gender, age and breed

2

Medical History

Details of any pre-existing conditions, or whether they’ve been neutered

3

Your Details

A few details about you, the proud pet parent

What types of horse insurance can I buy? 

Most horse insurance policies include the standard benefit of death, theft and straying cover. This tends to be up to 60%-100% of your horse’s insured or market value.

For each optional benefit, or add-on, that you include in your policy, you’ll pay extra, but you’ll also be covered for a specific sum for each incident, illness or injury.

When you’re building your horse insurance comparison, quotes tend to be broken down by activity or scenario your horse will encounter. For example, you can refine by:

  • Bloodstock or thoroughbred horses 
  • Foal insurance
  • Sports horse insurance
  • Veteran horse insurance
  • Horse & rider insurance

Veteran horse insurance 

Horses and ponies between 15-20 years old and above are considered veterans. With some insurers, there’s no upper age limit on veteran horse insurance, while for others it can be up to 30 or 40.

Veteran horse insurance policies differ, however, they tend to include accidental injuries-only cover, with the option to extend cover with contribution payments. This means, if your horse were to suffer an illness that wasn’t an accidental injury, you and the insurer would split the payment for treatment.

Insurance for a trailer or horse-drawn carriages

While some insurance providers will allow you to add on insurance for your horse trailer or carriage, others will ask you to take out an additional policy. It’s also important to check your vehicle insurance includes towing cover, to offer you third party protection. If you have a horse box or lorry, you’ll need to take out an additional vehicle insurance policy for it.

FAQs

Do horses need insurance on the road?

There’s no legal requirement for horses to have insurance to ride on the road. However, it’s a really good idea to get a policy that includes public liability. This will cover you in case your horse gets spooked and kicks a car, for example, or even if it escapes and ventures onto the road while you’re not there. Without insurance, you could end up footing a big compensation bill.

Can you get horse breeding insurance?

Yes, you can! Costs relating to horse breeding can be included in the add-ons when you build your horse insurance policy, however, it’s worth making sure it covers exactly what you need if you’re planning on breeding horses.

What are considered pre-existing conditions?

A pre-existing condition will be any illness or injury your horse has suffered in the past when you come to purchase your policy. This is why it’s a good idea to purchase your insurance as soon as you take ownership of your horse, and ideally while it is young.