Mature Horse Insurance Policies

At Animal Friends Insurance, our specialist equine team know firsthand that many horses carry on living full and active lives as they get older. Our Mature Equine policies provide cover for veterinary fees and complementary therapy costs incurred as a result of an accidental injury, for your equine aged over 20 years. We offer a veterinary fees condition limit for accidental injuries of £2000 per condition for 365 days from the condition onset, subject to a £125 excess. We believe that everyone should have some form of cover for their horse, so we offer a range of cheap 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. It may seem like an additional expense, but our cheap mature horse insurance is a way to protect your finances and your companion. In addition to veterinary fees cover, our Mature Equine policies also offer a range of bolt-on policy benefits which allow you to create your perfect policy. The choice is yours, and our knowledgeable sales advisors will be more than happy to talk you through each policy in detail.

All of our equine policies are non-lifetime policies

Our Mature Equine policies provide cover for accidental injury only. 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! Contact us with one of our equine specialists today and let them help you decide which is the best horse insurance policy for your animal. With some of the best equine knowledge in the business, you can’t really go wrong when you take out a policy with Animal Friends!


Mature Horse Insurance Benefits

  • Voted best claims service 2015
  • Up to 10% Multi Pet Discount**
  • Cover for equines aged over 20 years
  • Over £2 Million donated to animal charities

Our Testimonials

What Policies Do You Offer?

Our Mature horse insurance policy is for equines aged over 20 years and provides veterinary fees coverage for accidental injury of up to £2000 per injury for 365 days from the initial onset. This policy is subject to a £125 excess. Our third party public liability insurance cover provides cover up to £2 million, subject to the excess depending on your chosen insurance policy. We will provide cover for veterinary treatment and/or complementary medicine for an injury to your horse up to the maximum benefit limit (the benefit limit is applied separately to every unrelated injury, illness or condition claimed for).

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:

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 up to a maximum of £1500, if your horse passes away due to an accidental injury during the same policy year that the injury occurs and the euthanasia meets the current BEVA guidelines. If you have 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.

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 Insurance 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. Often the amounts and conditions of the provided insurance are 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.

How Do I Pay?

In order to make payment quick and easy we now accept card payments and Paypal when you pay your premium as a single annual payment. If you prefer you can choose our monthly, interest free direct debit option.
When you take out a policy with Animal Friends, you are also supporting animal welfare causes around the world. We have currently donated over £2 million to animal welfare causes world wide, and most recently donated a large sum to both World Horse Welfare and Horse World Trust in addition to the many other charities we have been honoured to support along the way.