Horse Pet Insurance
If you own a horse in Australia, you can explore your equine insurance options with Savvy today.
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Compare pet insurance
Looking into pet insurance for your beloved furry friend? Whether you have a playful pup or a curious cat, you can compare pet insurance options from a range of providers and find the perfect coverage that suits your pet's unique needs and your budget.
Fetch Care Plan |
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Pet insurance we think you’ll love. 24/7 vet support + dental, physio and behaviour cover added (see PDS) all in one app.More details |
Petsy Most Popular 80% Cover $150 Excess |
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Protect your furry friend with Petsy's pet insurance policy. Get a free quote.More details |
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Fetch Premium Plan |
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Pet insurance we think you’ll love. 24/7 vet support + dental, physio and behaviour cover added (see PDS) all in one app.More details |
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Multi-award winning pet insurance designed with the help of vets.More details |
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Petsy Value Cover 80% Cover $500 Excess |
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Protect your furry friend with Petsy's pet insurance policy. Get a free quote.More details |
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Petsy Top Cover |
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Protect your furry friend with Petsy's pet insurance policy. Get a free quote.More details |
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Savvy earns a commission each time a customer buys a pet insurance policy through our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via the individual pet insurance companies.
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Pet horse insurance provides essential coverage to protect your beloved equine companion from unexpected medical expenses, accidents, theft and various unforeseen events. Just like insurance for other pets, horse insurance can provide a safety net and ensure that your horse receives the best possible care without putting a strain on your finances.
If you are looking for pet insurance, you can compare quotes from a range of trusted insurers with Savvy’s online comparison service. Simply enter details about yourself and your pet to receive a choice of insurance options in moments. Get started with your free, no-obligation quote today!
What does horse insurance cover?
Pet horse insurance, also known as equine insurance, is a type of insurance coverage designed to protect the financial investment of horse owners. Just like pet insurance for dogs or cats, pet horse insurance provides coverage for various situations that could lead to unexpected expenses related to the health, well-being and ownership of a horse. It helps owners manage the costs associated with medical treatment, accidents, liability, theft and other risks that can arise when caring for horses.
Depending on your policy, it may include the following coverage options:
- Mortality, theft and straying: coverage for if your horse passes away or is euthanised, lost or stolen during the insurance period.
- Veterinary fee cover: covers vet expenses resulting from injury or illness, up to a certain amount.
- Loss of use: cover for if your horse is permanently incapable of participating in its intended activity due to injury or illness, up to a certain amount. This may include stallions that become infertile, or injuries or cosmetic conditions that affect show horses.
- Saddlery and tack cover: replaces or repairs stolen, damaged or destroyed saddlery and tack.
- Horse float cover: repair or replacement for a horse float or horse-drawn vehicle that is destroyed, stolen or damaged.
- Disposal after death: pays towards the cost of removing and disposing of your horse’s body if it dies or is humanely destroyed.
- Third-party liability: coverage for legal liabilities arising from injuries or property damage caused by the insured horse to third parties.
- Veteran horse cover: cover for older horses aged up to 29 years, covering death due to injury, loss, straying, and optional vet fee coverage for injuries resulting from accidents.
- Personal accident and dental cover: compensation for individuals who sustain accidental bodily injury while using the insured horse with permission, resulting in death or disablement.
- Unborn foal cover: cover if a foal is born not alive or dies within 30 days after birth.
Are there any limitations or exclusions on pet insurance for horses?
Yes, like any insurance policy, pet insurance for horses also comes with limitations and exclusions that define the scope of coverage. These limitations and exclusions can vary depending on the specific insurance provider and policy. Here are some common limitations and exclusions that you might find in horse insurance policies:
- Pre-existing conditions: most insurance policies exclude coverage for any conditions that existed before the policy was purchased or during the waiting period.
- Age limits: some policies have age limits for coverage, meaning they might not offer insurance for very young or very old horses, usually under 24 hours or over 20 years old.
- Specific medical procedures: some policies might exclude coverage for certain medical procedures, treatments or surgeries.
- Racing or high-risk activities: some policies might exclude coverage if the horse is involved in high-risk activities like racing.
- Losses due to negligence: if the horse’s injury or illness is a result of negligence or mistreatment, the policy might not cover it.
- Pregnancy and breeding: pregnancy-related expenses and breeding risks might not be covered under certain policies.
- Waiting periods: there are usually waiting periods for certain types of cover, for example 21 days for illness.
- Amount limits: policies might have specific limits on the maximum amounts they will cover for different types of expenses, treatments or claims.
Types of pet insurance you can choose from
This is the most basic type of pet insurance, covering costs for accidental injuries such as car accidents, poisoning, burns, fractures, snake and spider bites, but not illnesses and other conditions.
This type of insurance provides cover for accidental injuries as well as illnesses like cancer, gastrointestinal problems and eye, ear and skin conditions, but not routine care for your pet.
This offers the highest level of protection, covering accident and illness and potentially routine care such as vaccinations, dental care, worm and flea treatments and microchipping.
Why compare pet insurance with Savvy?
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Choice of insurers
We’ve partnered with a range of pet insurers to give you more choice when selecting a policy.
How to make a horse insurance claim
For veterinary fees
- Get your horse treated by a licensed veterinarian for the injury or illness.
- Keep copies of all medical records, invoices and receipts from the veterinary treatment.
- Submit the claim to your insurance provider with the required documentation.
For death
- Notify your insurance provider about the horse’s death as soon as possible.
- Have your veterinarian perform a post-mortem examination if required and provide an autopsy report detailing the cause of death.
- Submit your claim, providing your insurer with the necessary documentation, including the post-mortem report and any other requested information.
For theft
- Report the incident to the local authorities and obtain a police report.
- Notify your insurance company about the theft as soon as possible.
- Submit your claim, providing your insurer with a copy of the police report and any other requested information.
For floats
- If your horse float is stolen, report it to the police. If it is damaged, get a quote or written confirmation it is damaged beyond repair from the repairer.
- Submit your claim, provide details of the incident and any relevant documentation.
For saddlery and tack
- In case of theft, inform the police.
- Submit your claim, providing details of the incident, including the value of the items and any relevant documentation, such as police reports or repair estimates.