As a horse owner, ensuring your equine companion’s health, welfare, and protection is a high priority. Horse insurance provides essential coverage to safeguard your horse against a range of risks and liabilities, offering peace of mind and financial security for you and your beloved animal.
Let’s explore what horse insurance entails and how it can benefit you and your horse.
A nation of animal lovers
We understand just how much your horse means to you. So we provide insurance for horses that is both affordable and practical, and gives you the peace of mind that you’ll be able to afford those vet bills if your animal falls ill.
Older horses and rescue animals
Horses can live for much longer than other pets, and may have several owners during their lifetimes. If you’re giving a loving home to an older animal then we can also arrange for veteran horse insurance that takes into account the probability of higher vet bills and upkeep costs, but won’t leave you out of pocket. We are also happy to talk to you if your horse is a rescue animal and you are unable to get cover anywhere else.
What is Horse Insurance?
Horse, or equine insurance, is a specialised product designed to provide financial protection for horses and their owners against various risks and perils. It helps offset the costs associated with veterinary treatment, surgery, emergency care, and other unforeseen expenses related to the health and well-being of your horse.
What are the Different Types of Horse Insurance?
#1 Mortality: Mortality, also known as all-risks mortality (or horse life), provides coverage in the event of your horse’s death due to illness, injury, or natural causes. This policy typically reimburses the insured value of the horse, helping offset the owner’s financial losses if their horse dies unexpectedly.
#2 Veterinary: Veterinary fees insurance covers the cost of veterinary treatment and medical expenses incurred due to illness, injury, or accidents. This coverage may include diagnostics, surgery, medication, hospitalisation, and rehabilitation services for your horse.
#3 Surgical: Surgical insurance provides coverage specifically for surgical procedures performed on your horse, including elective surgeries, emergency surgeries, and specialised treatments such as colic surgery or orthopaedic procedures.
#4 Loss of Use: Loss of use cover compensates horse owners for the loss of income or value resulting from their horse’s inability to perform its intended use or function due to illness, injury, or permanent disability.
What is and Isn’t Covered by Horse Insurance?
Horse insurance typically covers:
- Veterinary treatment and medical expenses for illness, injury, or accidents
- Surgical procedures and specialised treatments
- Loss of value or income due to death, disability, or loss of use
- Third-party liabilities for property damage or bodily injury caused by your horse
Exclusions may include:
- Treatment for your horse’s pre-existing conditions or injuries
- Intentionally destructive acts or cruelty carried out by you
- Certain high-risk activities or sports (these may be included with additional or specialist coverage)
- Routine or preventative care (this may also require additional coverage)
What are the Benefits?
Financial Protection: Horse insurance provides financial security and peace of mind for horse owners, ensuring they can afford necessary veterinary care and treatment for their horse without incurring significant out-of-pocket expenses.
Quality Veterinary Care: With coverage in place, horse owners can access high-quality veterinary care and treatments for their horse, including diagnostics, surgery, and rehabilitation services, without worrying about the cost.
Risk Management: Insurance helps mitigate the financial risks associated with horse ownership, including unforeseen accidents, injuries, illnesses, and emergencies, allowing owners to focus on enjoying their time with their equine partner.
Customisable Coverage: Policies are often customisable to suit individual horses and owners’ unique needs and requirements, allowing for tailored coverage options and limits to meet specific needs and budgets.
In What Scenarios is Horse Insurance Useful?
It’s useful in a wide variety of scenarios, such as:
- Accidents or injuries resulting from riding, training, or competition activities
- Illnesses or medical conditions requiring veterinary treatment and care
- Emergencies such as colic, lameness, or injuries requiring surgery or specialised treatments
- Third-party liabilities for property damage or bodily injury caused by your horse
What is Pony Insurance?
Pony insurance offers similar coverage to horse insurance but is tailored specifically for ponies. This coverage provides financial protection for pony owners against the same risks and liabilities as horse policies, including veterinary fees, mortality, loss of use, and third-party liabilities.
Finding the Best Horse Insurance
At Park Insurance, we understand horse owners’ unique needs and concerns. With our expertise in equine insurance, we can help you find the best horse coverage to protect your valued equine partner. Why choose us?
Expertise: Our team has extensive experience and knowledge in equine cover, allowing us to offer expert advice and guidance tailored to your specific needs and requirements.
Customised Solutions: We work with leading insurers to provide customisable solutions that meet your individual needs and budget, ensuring peace of mind and protection for you and your horse.
Personalised Service: At Park Insurance, we prioritise client satisfaction and strive to deliver personalised service and support throughout the process. Our dedicated advisors are here to assist you every step of the way.
How we can help
We have over 20 years’ experience in finding affordable cover for clients, no matter what their needs. We can provide you with a quote that is tailored to your exact needs. Whether your horse is a yearling in the first flushes of health or an older horse that needs more care, we use our position as preferred brokers with many of the UK’s top insurance providers to find you comprehensive and affordable cover.
Professional equine insurance
We don’t just provide insurance for family pets and hacking ponies, but for professional stables and competition riders too. So whether you’re riding an ‘old nag’ or a thoroughbred, a Shire or a Shetland pony, we can find you insurance for horses of all sizes and breeds. We can also provide you with cover packages that include:
For schools we can also provide you with quotes on Public Liability cover too.
To find out more about our full range of insurance for horses and to get a quote that suits both your needs and your budget, call and talk to one of our friendly, impartial advisors today.