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Pet Insurance Pet Insurance

Equine Insurance

Owning a horse is a labour of love, and caring for and properly looking after one takes up a significant amount of your time and money. As such, it makes sense that you will want to properly insure your horse as you would your house or your car. Equine insurance plans provide not only general and dental healthcare cover for your horse, but also can include road cover for your horse's trailer, protection against theft and insurance for riders if they sustain any injuries whilst riding. Listed below are the typical features of equine insurance policies in the UK:

Veterinary Fees

The insurer will pay out towards the cost of treatment for illness or injury over and up to a certain amount - due to the cost associated with treatment for horses, there will almost always be an excess to pay towards unrelated claims.


Third Party Liability

Just as important as providing protection for any damage sustained by your horse, it is also important to consider protection for damage caused by your horse. Third Party Liability pays towards legal costs and compensation in the event that you are found liable for an accident, injury or death to a third party or damage to their property. As with vets fees, an excess is usually payable by the policyholder


Loss by Theft or Straying

This is a basic feature available on practically every equine insurance policy - if your horse goes missing, strays or is stolen, then the insurance company will pay out an amount either up to the sum insured or the market value (whichever is less) towards the cost of advertising and rewards.


Permanent Loss of Use

Pays up to all of the sum insured in the event that an injury or illness permanently prevents the insured horse participating in any one of the insured activities, hacking, polo, etc


Saddlery and Tack Cover

This pays towards the cost of repair or replacement of lost or damaged riding equipment.


Cover for Trailers

Pays for the cost of repair to your trailer or horse-drawn vehicle, or up to the sum insured (or market value if less) if it is lost, stolen, or destroyed, or if the cost of repair is more than it was worth before it was damaged. The first £100 of each claim is payable by the policyholder

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