These companies can help cover the cost of medical treatment for your horse or pony if it is ill or injured. Compare quotes to find the equine insurance policy that best suits your needs.
| Available online | |
| UK resident |
| Available online | |
| UK resident | |
| Maximum horse age when cover starts | 19 years |
| Minimum horse age when cover starts | 31 days |
| Available online | |
| UK resident | |
| Maximum horse age when cover starts | 20 years |
| Minimum horse age when cover starts | 30 days |
| Maximum pet value | Unlimited |
| Available online | |
| UK resident |
Last updated: 2 May 2022
Horses and ponies are some of the most expensive animals to buy and keep. The best horse insurance policy covers them if anything goes wrong and can help protect you against potentially large bills.
The best horse insurance policies cover the same things as any pet insurance policy, including:
death of your pet
theft or straying
public liability
Most basic horse insurance policies don’t include vet fees cover as standard, so make sure medical bills are included if you want to be protected against the cost of treatment.
Horse insurance can also offer cover horse-specific cover:
Death or personal accident: pays out if you, or any other rider of your horse, dies or suffers loss of sight, loss of limb or disability following a riding accident
Permanent loss of use: if your horse falls ill or has an accident that means you can no longer ride it, your policy pays up to the sum insured. This is usually the purchase price or current market value of your horse up to a set limit; for example, £10,000
Stable cover: if a stable you own is damaged or destroyed by fire you can claim the cost of stabling your horse somewhere else
Saddlery and tack: If your riding equipment is accidentally damaged, lost or stolen you can claim the cost of replacements
Note that add-ons are likely to increase your premiums.
Consider all your horse’s or pony’s activities before you buy a policy. Some policies specify two types of use:
Group one: includes activities like hacking, gymkhanas, show jumping, dressage, showing and riding club events.
Group two: includes all the activities listed in group one along with hunting, eventing, polo, long-distance riding, cross country, horse ball, polocrosse and vaulting.
If you plan to use your horse for any activities listed in group two you must state this when you apply for a quote. Taking part in events or doing activities not listed in your policy may invalidate your insurance.
Make sure you understand the level of cover you need for your horse, then use our horse insurance comparison tool to see the total cost and find a provider that offers the best cover for you.
While some activities may increase the price of your horse insurance, it’s important to ensure you have the right level of cover.
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