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How does Third Party Liability work?: Third party liability is only usually included in your pet insurance policy if you have a dog, although some policies will cover cats too. It means that if your pet causes damage to a third party, whether it involves property, another person or another pet, the pet insurance will cover the costs.
Are hereditary and/or congenital conditions covered by the pet insurance policy?: Hereditary and congenital conditions are covered under the policy providing that you were unaware of your pet's condition at the time you took out the policy
How long does it take to settle a pet insurance policy claim?: Some claims are more straightforward than others – but you can expect simple claims to be settled within 10 working days.
What are the requirements of a pet travel insurance policy?: For your pet to travel abroad, you must fulfil the following requirements as stipulated by Pet Travel Scheme (PETS). The requirements must be carried out in the following order:
Why insure your horse?: After your home and car, a horse will probably be the most expensive purchase you'll ever make – that's why it makes good sense to protect your investment.

What is the difference between Market Value, Sum Insured and Purchase Price?

Understanding this terminology will make it easier for you when insuring your horse and also when making a claim:

Market Value is the price that is currently paid for a horse of the same age, breed, bloodline, sex and ability.

Sum Insured is the amount that you agree with the insurer to insure your horse for. This will usually be the price you bought your horse for, but you can insure for less to save on premiums.

Purchase Price is what you actually paid for your horse.

If you need to make a claim for death, theft or loss of use, an insurer will always pay the lower amount of the sum insured or market value.