Compare Horse insurance

About Horse insurance

Horse and equine insurance covers both the horse itself and the rider.

Specialist horse insurance can be gained for competition riding, horseboxes, property damaged by horses and bloodstock cover.

Coverage of horse insurance

Horse insurance policies cover the following:

• Vet fees, both UK and overseas.
• Third party liability.
• Horse replacement costs (should your horse be lost or stolen).

Things to consider

Before choosing a policy, you should bear the following in mind:

• A number of insurers will refuse to cover your horse if it is over a certain age.
• The excess on your policy can range from £100 to £500. For some of you it may be worth paying a higher excess and a lower premium, for others it may be the other way round.
• 1 in 4 horse owners make a claim on vets fee cover each year, and the average claim exceeds £1000. It’s often the case that the vet fee claim outstrips the value of the horse.
• Many insurance policies will exclude such eventualities as emergency boarding, accidental death or quarantine costs. Check before you take out the policy.
• Basic starter policies will only cover the rudimentary issues. The more advanced policies will cover such complexities as the cost of advertising and a reward should your horse be stolen.
• Most policies cover up to the first £5,000 of any given condition.
• Some horse insurance policies limit diagnostics to very low amounts, and since 80% of the bills are often diagnostics, it is worth checking in your Terms & Conditions. Also look for limits on MRI scans as these are very expensive.