Hot Topics

What are the principles of pet insurance?
Pet insurance is designed to take the worry out of owning a pet – ensuring that if your pet falls ill or has an accident, you can take your pet straight to the vet without having to consider potentially expensive vet bills.
What are the excesses of my pet insurance policy and when do they apply?
The excess is the part of the claim you must pay and when you sign up to the pet insurance policy you will be made clearly aware of how much excess you will be expected to pay.
What cover do I need for my horse?
Before you buy your insurance, make sure you know exactly what areas you want cover on by listing your main areas of concern should you find yourself needing to make a claim.
Can I insure my horse for more than the Market Value?
You can't normally insure your horse for more than its market value.
What if my horse dies under anaesthesia?
Your horse dying under anaesthesia is not a general inclusion in a basic horse insurance policy.

Is my horse too old or too young to insure?

All companies differ with regard to the age of horses and ponies they will insure - so the only way to find out is to speak to each one individually.

Here are some general rules to guide you:

  • Most insurance companies will cover foals from 30 days onwards, although some can arrange insurance for foals in the womb.
  • Some but not all insurers will provide insurance up to the age when your horse dies but the level of cover on older horses and ponies will be very limited. For example, cover for illness is not usually available after 20 years, and you may only be able to arrange third party liability insurance if your horse is aged over 30.