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.
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Find Equine Insurance ProvidersIt 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.