Horse Insurance Benefits
- Voted Consumer Moneyfacts Best Claims Service 2015 & 2016
- Up to 10% Multi-pet Discount*
- Cover from 30 days old up to 20 years
- Over £3,178,733 donated to animal charities
Horse Insurance Policies
Here at Animal Friends insurance, we have a specialist equine team that is on hand to help you get the best horse insurance policy; designed to help with the costly fees that come if they fall ill or run into a health-related emergency.
Our horse insurance team is made up of experienced and knowledgeable salespeople and claims administrators who, above all else, are horse lovers through and through. As a result, we understand that owning a horse or donkey is one of the most rewarding experiences in life, and you will naturally want to do everything you can to ensure your new best friend is as protected as possible.
We provide a range of policies so you can make an informed choice; we offer a range of competitively-priced horse insurance policies for you to choose from. These policies provide cover for veterinary fees and have the option to ‘bolt on’ a range of additional covers of your choice.
All of our equine policies are non-lifetime policies
Our Standard Equine policies provide cover for injury, accident, illness and disease. Any one condition
is covered for 365 days from the date that the condition first manifested, subject to the financial limit
in place on the policy. All our policies are subject to the terms and conditions explained in the Policy Wording and Key Facts.
Don’t forget: donkeys are covered under our equine policies too – just select donkey in the breed menu!
Get in touch with one of our equine specialists if you have any questions or queries about our horse insurance products. With horse-loving staff and an award-winning track record we hope Animal Friends will be the insurer for you!
What Policies Do You Offer?
Our Standard horse insurance policies (for equines aged 30 days to 20 years) provide veterinary fees coverage of up to either £2,000, £4,000 or £6,000 per condition for 365 days from the initial onset of a condition. This will include either a £250 or £500 excess depending on your chosen policy.
Bolt on Extras
Bolt on extras are available to add onto your horse insurance policy so that it can be tailored to suit your individual needs, including:
We will provide cover for the market value, purchase price paid, or the amount specified on your schedule, if your horse is permanently injured and is prevented from taking part in the activities shown on your schedule.
If the worst should happen, and you lose your equine companion, we will look to provide cover for the market value, purchase price or sum insured (whichever is lesser) up to a maximum of £6000, if your horse passes away due to an accident, injury, illness or disease during the same policy year that the condition occurs and, if applicable, the euthanasia meets the current BEVA guidelines. If you have chosen the Death of a Horse option on your policy then we will provide cover for the cost of removing and disposing of your horse’s body (up to the maximum benefit limit) following death or euthanasia as a result of an injury or illness under our standard cover (the death of your horse must be covered for us to consider disposal costs).
We will provide cover for the market value, the purchase price paid, or the amount specified in your schedule, up to the maximum benefit limit, if your horse is stolen or lost for more than 90 days. We will also pay towards the advertising and reward costs for your horse.
We will provide cover where property is damaged or someone is killed, injured or becomes ill as a result of an incident involving your horse or your horse trailer (if covered) and you are legally responsible, we will pay up to the benefit limit specified in your schedule.
We will provide cover for either death, permanent blindness in one or both eyes, permanent deafness in both ears, loss of limb or permanent total disablement and or dental treatment, if you are killed, injured or become ill when riding your horse, up to the maximum amounts as per the benefit table found in the Horse Insurance Policy Wording.
We will provide cover for the market value, the purchase price paid or the amount specified in your schedule, (whichever is the lesser amount), if your saddlery and tack is lost, stolen, or damaged.
We will provide cover for either the market value, the purchase price paid or the amount specified in your schedule, (whichever is the lesser amount), if your horse trailer is lost, stolen, damaged or destroyed during the policy period.
Don't Own Your Own Horse?
If you don’t own or loan your own horse but still ride regularly, we offer a range of Rider Only policies to provide you with personal accident and public liability cover
Remember: some competitions require you to be insured for third party liability, whereas some provide a minimal liability insurance policy included in the payment of the entry fee. It’s prudent to check the amounts and conditions of the insurance provided in these instances, as they are sometimes somewhat limited and you may want to carry your own comprehensive or additional liability insurance to be sure you have enough cover to keep you protected from unexpected costs.