Here at Animal Friends Pet 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 Standard Horse insurance policy provides cover for injury, accident, illness and disease, for horses aged between 30 days and 20 years.
It covers veterinary fees of up to either £2,000, £4,000 or £6,000 per condition for 365 days from the initial onset of a condition, depending on the cover level purchased. This will include either a £250 or £500 excess depending on your chosen policy.
In addition to veterinary fees cover, our Standard Horse policy also provides the ability to customise your cover with optional bolt-on policy benefits to build your perfect plan.
All of our Standard Horse policies are non-lifetime policies – 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 of our policies are subject to the terms and conditions explained in the Policy Wording and Key Facts.
Bolt on Extras
Bolt on extras are available to add onto your Standard Horse insurance policy so that you can customise it to fit your requirements, including:
Permanent Loss of Use
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 permanently injured and is prevented from taking part in the activities shown on your schedule.
Death of Horse
If the worst should happen, and you lose your equine companion to an accident, we will look to provide cover for the market value, purchase price or sum insured (whichever is lesser) up to a maximum of £1,500.
Loss by Theft or Straying
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.
Third Party Liability
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.
Personal Accident and Dental
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.
Saddlery and Tack
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.
Please do not hesitate to contact our knowledgeable sales advisors who can provide further details on this policy or the available bolt-on options.