Petplan Equine horse insurance
Details of Cover
The table below details the benefits available and shows which are mandatory and which are optional. For further information about each benefit click the icon
in the table. We also recommend you read our terms and conditions for full details of all the benefits and limitations of the policy.
| Summary | This policy offers flexible cover for horses and ponies participating in a wide range of activities. The veterinary fees benefit offers cover on a 12-month basis. This means it pays towards the cost of treatment for each unrelated condition for up to 12 months from the date of onset, or up to the maximum benefit, whichever is reached first. |
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| Age limits at policy inception | From 30 days to 19 years inclusive |
| Maximum age limit | 25 years |
| Maximum sum insured | £10,000 online We will insure horses valued up to £40,000. If your horse is valued between £10,000 and £40,000 please contact our sales team on 0330 102 1658 for a quote. |
Policy Benefits
Unless otherwise indicated, the figures shown are the maximum amounts that may be paid in each policy year
| Inclusive Cover | |||||||
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Death and Loss by Theft or Straying
Death and Loss by Theft or StrayingPays up to the sum insured (or market value if less) following loss by death or euthanasia or by theft or straying, plus up to £300 towards the cost of advertising or reward following theft or straying. |
Sum insured | ||||||
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Free Legal Helpline
Free Legal HelplineAccess to professional legal advice on any personal matter, 24 hours a day, 7 days a week. |
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| Optional Cover | |||||||
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Third Party Liability
Third Party LiabilityPays up to the maximum benefit towards legal costs and compensation in the event that you are found legally responsible for an accident, injury or death to a third party or damage to their property. The first £250 of claims for property damage is payable by the policyholder. |
£1 million, £3million or £5million per incident | ||||||
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Vet Fees for injury and illness
Vet Fees for injury and illnessPays up to the maximum benefit for each unrelated condition including the cost of diagnostic investigation and treatment for illness or injury, including complementary treatment, as recommended by the attending vet.
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£3,500 or £5,000 per condition for 12 months | ||||||
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Permanent Loss of Use
Permanent Loss of UsePays your horse's current value in the event that an injury or illness permanently prevents the insured horse participating in any one of its insured activities. This cover is available for horses aged 2 to 16 years, with a sum insured of £2,000 or over and those in Activity Group 3 or higher. |
You can add this cover if your horse has a sum insured of £2,000 or over, is in Activity Group 3 or higher and is aged between 2 and 16 years. | ||||||
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Disposal
DisposalPays towards the cost of disposal following death or euthanasia, provided there is a valid claim under the death benefit. |
£400 | ||||||
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Saddlery and Tack
Saddlery and TackPays towards the cost of repair or replacement of lost or damaged saddlery and tack. The first £100 of each claim is payable by the policyholder. |
£1,000 or sum insured if greater | ||||||
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Trailers and Horse-drawn Vehicles
Trailers and Horse-drawn VehiclesPays 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. |
Sum insured | ||||||
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Personal Accident & Dental
Personal Accident & DentalPays up to the maximum benefit following death or permanent disability to the rider or handler of the insured horse. This also covers £1,000 towards dental treatment for the rider or handler. Both options cover death and permanent total disability. See terms and conditions for full details. |
Standard: £10,000 personal accident maximum benefit Superior: £20,000 personal accident maximum benefit Both Standard and Superior cover include £1,000 dental benefit |
