Is there pet insurance for horses?

 list is not exhaustive):

Veterinary fees

This is the main reason that pet owners take out insurance to ensure they can claim for unexpected Veterinary fees.

Public liability insurance 

Having public liability cover will protect you against costs incurred by members of the public suffering personal injury or property damage caused by your horse. Public liability insurance is available for your dog too! Accidents can occur and it is important to ensure personal protection in these unfortunate scenarios. 

Death of your horse 

Most horse insurance policies will cover the cost of euthanasia, including removal of their body from the premises. 

Theft and straying 

With this feature you would receive a financial pay out if your horse becomes lost or stolen and is not found. The financial amount received depends on the market value/sum insured of your horse.

Personal accident cover 

This covers the policyholder for any injuries and illnesses sustained during riding. This feature is the biggest difference between dog and horse insurance. It is important to take out personal accident cover, as lives can be significantly altered as a result of a riding-related injury. Many horse insurance policies now include this, but it is crucial to always check!

Loss of use cover 

This feature covers you if your horse can no longer be used for the activities you originally insured him/her for, due to injury, accident or disease.

When making the decision to take out horse insurance it would be useful for you to consider what cover features are going to be more important to you. I won’t discuss costs of insurance policies as these vary depending on the company and the level of cover. Policies which provide the most cover for your horse are understandably more expensive. Like car insurance, pet insurance can either be paid annually or monthly.