Horse Insurance

  • Over 30 years’ experience insuring horses
  • We insure horses up to 25 years old for injury and
    illness, if insured before your horse’s 20th birthday
  • We can pay your vet directly
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What does Petplan horse insurance cover?

Our flexible horse insurance policies can be tailored to suit the individual needs of each horse. The following benefits are included in all of our policies:

  Cover for the loss of your horse by theft or straying

  Protection in the sad event of your horse’s death

  Legal Advice Helpline open 24 hours a day

When you take out a quote you can customise your cover to the benefits and cover amount that suits your needs. The benefits below show the highest cover available:

Veterinary Fees Cover up to £5,000 per condition

This benefit covers the cost of veterinary treatment required to treat illness and injury, including complementary treatments specifically recommended by your vet. Each condition is covered up to the maximum Veterinary Fees limit you've selected for a period of 12 months. This benefit does not provide cover for any illness or injury that occurred before the start of the policy and an excess will apply for each unrelated illness or injury during each policy year. Choose from £3,500 (£500 excess) or £5,000 (£145 excess) per condition per policy year.

Third Party Liability Cover up to £5 million

If your horse, horse-drawn vehicle or horse trailer causes damage or injury and you are legally responsible, this covers the legal costs and expenses and the claimant's compensation. An excess of £250 will apply for each unrelated incident during each policy year. Choose from £1 million, £3 million or £5 million cover per incident.

Personal Accident Cover up to £20,000

The personal accident benefit provides cover for injury or death for you, or anyone else aged 5-75 years old riding or handling your horse with your permission. We will cover up to £1,000 towards dental treatment for the rider or handler, and choose from £10,000 or £20,000 maximum benefit following the death or permanent disability to the rider or handler

Permanent Loss Of Use Cover up to 100% Loss of Use

If an illness or injury permanently prevents your horse participating in any one of the insured activities, we will pay the percentage you select of your horse’s current value. This benefit is only available for horses aged between 2 and 16 years. Choose from 60% or 100% of the sum insured.

Cover for Disposal Cover up to £200

This benefit pays up to £200 towards the cost to remove and dispose of your horse’s body following death or euthanasia, provided you have a valid Death claim.

Cover for Saddlery and Tack Cover up to £5,000

This benefit covers your saddlery and tack in the case of damage or theft. If your saddlery and tack is stolen or destroyed, we will cover the cost to replace as brand new. If your saddlery and tack is damaged we will either pay the cost of repair or, if the repair costs are more than the item is worth, we will cover the cost to replace as brand new. In order for us to pay over £400 for an item of saddlery or tack you must have formal proof of purchase for that item (receipt or saddler's valuation). An excess of £100 will apply in the event of a claim. Choose from £1,000 to £5,000 for 12 months.

Cover for Trailer or horse-drawn vehicle Covers the cost of repair or the market value (up to the sum insured).

This benefit provides cover for your horse trailer or horse-drawn vehicle. If your vehicle is damaged, we will pay the cost of repair. If the repair costs exceed the market value, or the item is stolen or destroyed, we will pay the market value (up to the sum insured). Covers the cost of repair or the market value (up to the sum insured).

Read more about our horse insurance cover

Details of cover

For further details about the benefits available and which are mandatory and which are optional, view our

Details of cover table.
Terms and Conditions

All of our policies are subject to Terms and Conditions, we recommend you read these for full details of all the benefits and limitations of the policy.

Read our Terms & Conditions >
What you need to provide

When you apply for horse insurance you may be asked to provide additional information depending on the cover that you require.

Find out more >

Why not Get a Quote to review your cover options and create your tailored policy?

Why choose Petplan Equine

Petplan Equine is one of the UK’s leading equine insurers, and with over 30 years' experience insuring horses, you know you’re in really good hands.
 

Here are just some of the benefits of insuring your Horse with Petplan:

No hidden limits

No hidden limits

We believe in transparency so we don't set hidden limits on our vet fees cover. Some insurers restrict how much they'll pay per condition, or for diagnostic tests. For expensive procedures this could leave a claim shortfall in the thousands.

Full complementary treatment

Full Complementary Treatment

We don’t limit the amount that can be claimed for complementary treatments such as physiotherapy, acupuncture and specialist farriery - provided the cost is within the maximum veterinary fee benefit.

Insured up to 25 years of age

Illness Cover up to
25 years of age

While some insurers limit cover to injury only for horses aged 20 years or over, we cover illness up to 25 years of age - as long as cover is taken out before the horse’s 20th birthday.

Fixed excess

Fixed
excess

Our simple fixed excess means
there’s no additional percentage
to pay towards your claim.

What our customers say

Valentine

Petplan customer Evie shares how having lost her previous horse to colic, she was devastated to learn her beloved Valentine had to have emergency lifesaving surgery for the same condition.

Over the years Petplan has paid more than £13,000 in claims to help Valentine stay healthy, allowing Evie to do the best for Valentine without worrying about the vet bills.

Valentine & Evie’s story >

FAQs

How much is horse insurance per month?
The cost of your horse insurance will largely be determined by which optional extras you choose and the cover level required. Our premiums are carefully calculated for each individual horse so why not get a quote and create a policy that suits your needs.
Does horse insurance cover vet bills?
Veterinary treatment is covered if you selected this option when taking out your insurance policy. This benefit covers the cost of veterinary treatment required to treat illness and injury, including complementary treatments specifically recommended by your vet. Each condition is covered up to the maximum Veterinary Fees limit you've selected for a period of 12 months. This benefit does not provide cover for any illness or injury that occurred before the start of the policy.
Is horse insurance worth it?
The cost of emergency surgery, such as a colic operation, can easily cost several thousand pounds, and the cost of ongoing treatment often needed for conditions such as lameness can amount to many hundreds or even thousands of pounds. It’s easy to see how quickly these costs can mount up. Insurance is designed to help reduce the worry of meeting these bills and ultimately allows you to choose the right treatment without worrying about the cost.
What does horse insurance cover?
This will depend on the benefits you choose when you take out your insurance policy. At Petplan this can range from vet fees and complementary treatments through to cover for saddlery and tack. Check out our Details of Cover page to find out more about our policy benefits and options.

See all FAQs

Horse Advice

Health and wellbeing

Health and Wellbeing

For over 30 years we've been working to keep horses healthy and their owners happy so we’ve created our top tips to keeping your horse in top notch condition.

Horse health & wellbeing
Training and Competition

Training & Competition

We’ve got all your horse training and competition information covered from cross country training to area festivals.

Training & Completion
Best Practice

Best Practice

Our handy guides cover everything from eventing to dressage and useful tips to help you decide if buying a horse is right for you.

Horse tips & best practice

Award Winning Horse Insurance

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feefo 2019 awards

Defaqto is an independent rating of financial service products, analysing and rating policies on a scale of 1 to 5 based on the quality and coverage that they provide.