Horse Pet Insurance
Find out what horse insurance in Australia could cover.
Fact checked
Pet horse insurance can provide essential coverage to protect your beloved equine companion from unexpected medical expenses and unforeseen events.
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. Coverage may include:
- Death, theft and straying: coverage for if your horse passes away or is euthanised, lost or stolen.
- Veterinary fee cover: covers vet expenses resulting from injury or illness.
- Loss of use: cover for if your horse is permanently incapacitated due to injury or illness.
- 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 after death.
- 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.
- Personal accident and dental cover: compensation for individuals injured while using the insured horse.
- Unborn foal cover: cover if a foal is born not alive or dies shortly after birth.
Are there any limitations or exclusions on pet insurance for horses?
Common limitations and exclusions in horse insurance policies include:
- 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.
- 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.
- 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.
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