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Tailored Insurance for Horses

We have made horse insurance simple and put the reins in your hands. As Australia’s most trusted Horse Insurer we are here to assist you tailor a horse insurance policy that suits your budget and protects your equine investment.

The loss or permanent injury of the horse you love is almost too sad to contemplate, however unless you sold your horse, it's an expense you really should ensure you are protected against.

Make sure you have a horse insurance policy in place with AIS Insurance Brokers to cover yourself against the cost to find a new horse, even liability for damage caused by your horse or loss of a saddle or your horse float.
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What we insure

Our horse portfolio is diverse including Dressage Horses, Race Horses, Pony Club Horses, Western Horses, Pleasure Horses, and Show Jumpers, with horses based here in Australia or overseas in countries such as New Zealand, Germany, and United States.

Whether you ride for pleasure or compete, ensure you have horse insurance to protect your love for all things equestrian.

The basic policy we offer provides cover for:

  • Mortality, Theft & Straying for horses up to and including 20 years of age located in Australia and New Zealand wide, including whilst in transit.

Further to this, we can offer the following optional extensions:

  • Public Liability – limits of $1 million, $5 million or $10 million
  • Restricted Loss of Use – for horses aged 2 up to and including 20 years of age (not available for horses involved in polo/crosse)
  • Breeding Loss of Use – for Colts/Stallions aged 2 up to and including 20 years of age (not available for mares)
  • Cosmetic Loss of Use – Horses aged 2 up to and including 20 years of age
  • Saddlery and Tack – up to the value of $20,000
  • Horse Floats/Horse Trailers
  • Personal Accident – cover for the rider.

Our horse insurance policies are offered on a simple all included price (no hidden extras) and NO EXCESSES for Mortality, Theft & Straying cover.

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What We Cover

 

What We Cover* We will pay up to
Horse Mortality Insurance

Cover for death, or euthanasia on humane grounds, resulting from an injury or illness.

For horses up to and including 20 years of age.

Nil excess on each claim.

Sum Insured^

Plus up to $200 for Post Mortem Examination or Autopsy Report

Horse Theft or Straying

Theft or straying where the horse is not recovered within 90 days, plus up to $300 for advertising and reward.

Nil excess on each claim.

Sum Insured^

Plus up to $300 for advertising and reward

Loss of Entry Fees

Loss of irrevocable entry fees up to $300 following a claim under Section 1 – Mortality.

Nil excess on each claim.

 $300
Horse Public Liability Insurance

Cover for your legal liability in respect of accidental:

  • death, bodily injury, illness, or disease of any person;
  • loss of, or damage to, tangible property arising from your ownership and use of the insured horse.

Cover includes legal costs.

An excess of $250 to each property damage claim.

$1 Million

Or

$5 Million

Or

$10 Million

Loss of Use for Horses – Restricted

Cover in the event of an injury or illness that results in the horse becoming totally and permanently incapable of fulfilling its principle use as stated. This does not cover infertility or cosmetic scarring. Horses aged 2 up to and including 20 years of age.

Nil excess on each claim.

  75% or 100% of Sum Insured^, depending on keeping or euthanasing horse.
Loss of Use for Horses – Breeding

Cover in the event of injury or illness that renders the Stallion/Colt totally and permanently impotent, infertile or incapable of natural service. Horses aged 2 up to and including 20 years of age.

Nil excess on each claim.

Sum Insured^
Loss of Use for Horses – Cosmetic

Covers permanent scarring following an injury, illness and/or cosmetic condition which renders your horse permanently incapable of fulfilling its principle use as stated in the schedule because of its appearance. Horses aged 2 up to and including 20 years of age.

Nil excess on each claim.

Sum Insured^
Saddlery and Tack

Loss or damage to your riding equipment up to the value of $20,000.

An excess of $50 applies to each claim.

$20,000
Personal Accident and Dental Cover

We will pay:

$5,000 for death, permanent disability, loss of sight or limb

$2,500 for death if the deceased is under 18 years of age

$750 for dental treatment

Nil excess on each claim.

 $5,000
*Note: This foregoing is only a brief summary of the cover for horses with a sum insured of up to and including $65,000 and you are advised to read the Policy Document closely for full details. The Policy Document is available for inspection upon request or from our website www.aisinsurance.com.au. Cover will not attach until the application is accepted and premium paid. ^Note: We will pay a sum not exceeding the market value of your horse shown in the schedule at the time of loss or the sum insured shown in the schedule whichever is the lower.

Let us work with you to develop an insurance program tailored to your specific requirements.

Saddle up with Confidence on the Horse you Love

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Animals We Insure

Not only do we offer horse insurance to cover your pleasure, performance or bloodstock horses we also offer livestock insurance to cover your cattle, sheep, alpaca, working dogs, birds, emus – almost any other type of animal.

No matter how many animals you have, you can elect to insure them with AIS.

Contact us for horse and livestock insurance Australia and New Zealand wide, including whilst in transit.

 

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