WHAT WE COVER
Our Horse Insurance policy covers foals to veteran horses aged 20 years who are based in Australia and New Zealand (temporarily), including whilst in transit.
Our online system can accommodate sum insureds for horses in Australia up to $100,000.
We also offer cover for horses based overseas and for horses with sum insureds more than $100,000. Click here to request a quote or contact our friendly team on 1300 300 715.
| 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
Cover for your legal liability in respect of accidental:
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 2 up to and including 15 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 2 up to and including 15 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 |
Veterinary certificates
A recent certificate must be provided if:
- the sum insured is more than $25,000
- the horse is intended for polo / polocrosse / endurance
- you nominate ‘loss of use’ cover
- the horse is aged more than 12 years
- you require cover for foals under six months of age.
Conditions for Restricted Loss of Use Examinations
i) Up to $25,000 sum insured:
Inception & Renewal Requirements: Veterinary Certificate including Flexion and Hoof Tests of all four limbs
ii) $25,001 to $100,000 sum insured:
Inception Requirements: Veterinary Certificate and X-Rays (see page 4 of the Veterinary Certificate for required views)
Renewal Requirements: Veterinary Certificate including Flexion and Hoof test of all four limbs
If lapse in cover (exceeding 2 weeks) then revert to Inception Requirements to reinstate policy
We also offer an extension to cover you against veterinary fees for Life Saving Surgery and Snake Bites. With coverage for reasonable veterinary fees for general anaesthetic surgical procedures performed to save the life your horse up to the annual limit of $5,000 with a $500 excess per claim ($2,000 sub limit applies for veterinary treatment as a result of a diagnosed snake bite). Let our AIS Insurance Broker team know if you wish to add this option to your policy.