Horse Insurance
Time Limited cover for your horse
- Vet fee cover from £3,000 to £7,000
- Up to £2m for public liability incidents
- Insure your horse from 12 months to 40 years for illness and accidents
What our horse insurance covers
We recognise the importance of providing cover which allows you to insure your horse for illnesses, especially as they get older.
Our horse insurance is a Time Limited product. This means cover is provided for each accident or illness for up to 12 months or until the vet fee limit is reached.
Our comprehensive cover includes the following benefits:
Vet fee cover from £3,000 to £7,000 - Includes cover for dental and complementary treatments recommended by your vet.
Complementary treatments when they’re recommended by a vet. Some of the treatments we cover include physiotherapy, osteopathy and hydrotherapy.
Public Liability cover up to £2m - In the event of property damage or injury where you are found to be legally responsible.
If your horse dies - cover towards the cost of disposal of the horse's body. We’ll also cover the cost of purchasing your horse up to the price you paid or benefit limit (whichever is less).
Compare horse insurance cover levels
| Cover level | Time limited £3,000 | Time limited £5,000 | Time limited £7,000 |
| You're covered up to |
|||
| Vet fees | £3,000 | £5,000 | £7,000 |
| Dental accidents & illnesses* | £1,500 | £1,750 | £2,000 |
| Complementary treatments* |  |
|
|
| If your horse dies or is put to sleep | £6,000 | £8,000 | £10,000 |
| If your horse injures someone or damages their property | £2,000,000 | £2,000,000 | £2,000,000 |
| Excess options | £199, £249, £499 | £199, £249, £499 | £199, £249, £499 |
*Included within the overall vet fee benefit limit. Please see the Policy Booklet for full details on the cover provided.
Did you know, we can send payments direct to your vet so you can focus on your horse and not the bill.
What activities does our horse insurance cover?
This section lists all the activities we cover. The cover includes both schooling exercises and taking part in activities or competitions in the UK.
- Horses at grass
- Retired horses
- Rearing and breaking
- Hacking
- Organised fun rides
- Western Trail Riding
- Organised endurance events up to 35 miles
- Unaffiliated Dressage or British Dressage up to Advanced Medium level
- Flat schooling up to British Dressage Advance Medium level
- Jump or cross-country training up to maximum fence height of 105cm
- Unaffiliated or British Showjumping up to a maximum fence height of 105cm
- Hunter trials up to a maximum fence height of 105cm
- Unaffiliated Eventing with a maximum fence height of 105cm in either cross country and/or showjumping phases
- British Eventing up to BE100
- Novice team chasing up to a maximum fence height of 105cm
- Arena Eventing up to a maximum fence height of 105cm
- Jump Cross up to a maximum fence height of 105cm
- Affiliated and unaffiliated Showing
- Working Hunter/Show horse classes up to a maximum fence height of 105cm
- Vaulting
- Le TREC
- Private driving
- Working Equitation up to Intermediate Level
- Gymkhana games
Rated 'Excellent' by customers
Horse insurance FAQ's
Read our FAQs to find answers to some of the common questions about horse insurance.
Our Time Limited horse insurance provides cover for each accident or illness for up to 12 months or until the vet fee limit is reached.
- £3,000 vet fee cover including £1,500 dental cover
- £5,000 vet fee cover including £1,750 dental cover
- £7,000 vet fee cover including £2,000 dental cover
We offer three excess options for our Time Limited horse insurance:
- £199 per condition
- £249 per condition
- £499 per condition
If your horse dies:
- Cover is included up to the purchase price or the benefit limit, whichever is less
- Cover towards the cost of disposal or removal of the horse's body following death or euthanasia
If your horse injures someone or damages their property cover is included up to £2m for public liability incidents relating to property damage or injury where you are found to be legally responsible.
As part of our Time Limited Horse Insurance, you're horse is covered for the below complementary therapies, when recommended and performed by a vet or approved therapists.
- Acupuncture
- Nutraceuticals
- Herbal medicine
- Homeopathy
- Hydrotherapy
- Osteopathy
- Physiotherapy and Chiropractic Manipulation
- Remedial Farriery
How much cover do you need?
Our average vet fee claim was for £1,691 in 2025 for horses.
Knowing how much vet fees for your horse could cost is important, so that you can choose the right cover level - and we're here to help.
*This figure shows the average cost of vet fees claimed for horses, for the top 15 conditions that were submitted to Animal Friends in 2025.
Supporting animal welfare
Over £10 million donated
We've supported more than 830 animal welfare charities and conservation organisations globally, with over £10 million donated as of January 2026.
Animal welfare funding
We fund a range of initiatives and causes, including emergency appeals and long-term animal welfare needs.
The charitable work undertaken by Animal Friends Insurance is not regulated by the Financial Conduct Authority.
Already have a horse insurance policy?
You can find details of your level of cover in your policy document.
Login to your account to view these online anytime, and get instant access to exclusive partner discounts and offers through the Animal Friends Treat Tin.
Horse advice and tips
Horse advice
Horses come in different shapes and sizes, that’s why we offer information and advice so that owners and riders can take the very best care of their animals.
Horse blog
Read all the news, interesting topics and discussions about life with a horse.
