Equine insurance is one of the few purchases where reading the exclusions matters more than reading the brochure. The policies are not interchangeable, and the differences only become visible when you claim.
Mortality cover is the foundation — it pays if the horse dies or is euthanised for covered reasons. Major medical and surgical cover pays toward veterinary treatment. Loss of use covers a horse that survives but can no longer do its job. Liability cover protects you if your horse injures someone. Most owners need at least the first two.
The single most common reason claims are refused is non-disclosure. If your horse has a history, say so. An honest policy that excludes one old injury is worth more than a broad one that pays nothing.
It pays out if your horse dies or must be euthanised for covered reasons. It is usually the base policy other cover attaches to.
Pre-existing conditions. Get the full exclusion list in writing before you buy, and disclose the horse’s history honestly — non-disclosure voids claims.
Often yes, though premiums rise and some cover becomes harder to obtain with age. Ask about upper age limits directly.
No. Major medical covers veterinary treatment costs, usually with its own limit and deductible, and typically must be bought alongside mortality cover.
Related: the pre-purchase exam.
General information only. Horse Care Finder provides practical, educational guides for horse owners. This content is not a substitute for professional veterinary, medical, legal or other qualified advice. Any prices shown are general estimates that vary by location, provider and circumstances. See our Editorial Policy and Disclaimer.
It pays out if your horse dies or must be euthanised for covered reasons. It is usually the base policy other cover attaches to.
Pre-existing conditions. Get the full exclusion list in writing before you buy, and disclose the horse's history honestly — non-disclosure voids claims.
Often yes, though premiums rise and some cover becomes harder to obtain with age. Ask about upper age limits directly.
No. Major medical covers veterinary treatment costs, usually with its own limit and deductible, and typically must be bought alongside mortality cover.
