Compare horse insurance

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.

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The Insurance Emporium Horse Insurance
New cover starts for pets aged from
31 days to 19 years
Maximum vet fees
£5,000 per condition
Discounts
10% multi-pet discount & 20% introductory discount
The Insurance Emporium Horse Insurance
Defaqto 5 Star Rated Horse Insurance. Tailor your policy to suit you and your horse with Optional Benefits like Vet’s Fees and Saddlery & Tack. 20% Introductory Discount available to new customers in the first year of their policy, T&Cs apply.
Some policies from this insurer may not let you claim on the same condition again once your policy has been renewed.
This is an insurance broker.
Eligibility
Available online
UK resident
Maximum horse age when cover starts19 years
Minimum horse age when cover starts31 days

Looking for another type of pet insurance?

Last updated: 2 May 2022

Why do I need horse insurance?

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.

What does the best horse insurance cover?

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.

Here’s what is covered by a pet insurance policy.

Get the right level of cover for your horse

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. 

How to get the best horse 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. 

Here’s how to find the right pet insurance policy.

Horse insurance FAQs

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