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Horse insurance

Whether you own a horse or loan a pony, we've got you covered with a range of policy options packed with added benefits to suit.

Compare our cover types to find the best insurance for your horse or pony

As equine insurance specialists, we offer Germany’s best range of horse and pony insurance.
Our optional extras include vet fee cover and saddlery and tack, ensuring both you and your horse are looked after.
 

Petcover offers three types of cover – Basic, Senior plan A and Senior plan B.
O
ur comparison table below outlines the key differences to help you choose the option right for you and your horse.

Benefits

  • Death from illness

    Cover for the sum insured or market value (whichever is less) for your horse if it dies due to an illness.

    Value of the horse. Excess 165 €

  • Death from injury

    Cover for the sum insured, fixed amount or market value (whichever is less and applicable) for your horse if it dies due to an injury.

    Value of the horse. Excess 165 €

  • Loss by theft or straying

    Cover for the sum insured, fixed amount or market value (whichever is less and applicable) for your hose in the event of theft or straying.

    Value of the horse. Excess 165 €

  • Veterinary fees for injury

    Cover for the cost of veterinary treatment during the policy year to treat injury.

More details

  • Age limits

    When your horse or pony is eligible for cover.

    30 days – 20 years

  • Fixed excess

    The amount you will be required to pay for each non-related claim.

    €165

  • Waiting period

    The initial period during which no benefit is payable for the mentioned conditions.

    For an illness: 21 days
    For an injury: No Waiting Period

Optional extras

  • Vet fees superior cover

    Cover for the cost of veterinary treatment during the policy year to treat accident, illness and injury.

    Up to €6.000
    (+ excess €165)

  • Vet fees economy cover

    Cover for the cost of veterinary treatment during the policy year to treat accident, illness and injury.

    Up to €4.000
    (+ excess €650)

  • Disposal

    Cover for if your horse dies. What we will pay towards the cost of the disposal of your horse's body.

    €180
    (no excess)

  • Permanent loss of use

    Cover for your horse if an injury or illness permanently prevents it from participating in any one of the insured activities, we will pay a percentage of your horse's market value (or sum insured, whichever is less).

    60% or 100% of the market value
    (+ excess €165)

  • Horse trailer and horse drawn vehicles

    Covers loss or damage and pays the cost of repaid up to the sum insured or market value (whichever is less) of the vehicle if it is stolen or destroyed.

    Sum insured or market value
    (max. €21.000)
    (+ excess €165)

  • Saddlery and tack

    Covers the replacement or repair of the saddlery and t ack that is damaged or stolen.

    Sum insured or replacement value
    (max. €12.000)
    (+ excess €165)

Benefits

  • Death from illness

    Cover for the sum insured or market value (whichever is less) for your horse if it dies due to an illness.

    Not available

  • Death from injury

    Cover for the sum insured, fixed amount or market value (whichever is less and applicable) for your horse if it dies due to an injury.

    Value of the horse, up to 2,000 €. Excess 165 €

  • Loss by theft or straying

    Cover for the sum insured, fixed amount or market value (whichever is less and applicable) for your hose in the event of theft or straying.

    Value of the horse. Excess 165 €

  • Veterinary fees for injury

    Cover for the cost of veterinary treatment during the policy year to treat injury.

    Not available

More details

  • Age limits

    When your horse or pony is eligible for cover.

    21 years – 29 years

  • Fixed excess

    The amount you will be required to pay for each non-related claim.

    €120

  • Waiting period

    The initial period during which no benefit is payable for the mentioned conditions.

    For an illness: Not available
    For an injury: No Waiting Period

Optional extras

  • Vet fees superior cover

    Cover for the cost of veterinary treatment during the policy year to treat accident, illness and injury.

  • Vet fees economy cover

    Cover for the cost of veterinary treatment during the policy year to treat accident, illness and injury.

  • Disposal

    Cover for if your horse dies. What we will pay towards the cost of the disposal of your horse's body.

    €180
    (no excess)

  • Permanent loss of use

    Cover for your horse if an injury or illness permanently prevents it from participating in any one of the insured activities, we will pay a percentage of your horse's market value (or sum insured, whichever is less).

  • Horse trailer and horse drawn vehicles

    Covers loss or damage and pays the cost of repaid up to the sum insured or market value (whichever is less) of the vehicle if it is stolen or destroyed.

    Sum insured or market value
    (max. €21.000)
    (+ excess €165)

  • Saddlery and tack

    Covers the replacement or repair of the saddlery and t ack that is damaged or stolen.

    Sum insured or replacement value
    (max. €12.000)
    (+ excess €165)

Benefits

  • Death from illness

    Cover for the sum insured or market value (whichever is less) for your horse if it dies due to an illness.

    Not available

  • Death from injury

    Cover for the sum insured, fixed amount or market value (whichever is less and applicable) for your horse if it dies due to an injury.

    Value of the horse, up to 2,000 €. Excess 165 €

  • Loss by theft or straying

    Cover for the sum insured, fixed amount or market value (whichever is less and applicable) for your hose in the event of theft or straying.

    Value of the horse. Excess 165 €

  • Veterinary fees for injury

    Cover for the cost of veterinary treatment during the policy year to treat injury.

    Up to 1,200 € per period of insurance. Excess 120 €

More details

  • Age limits

    When your horse or pony is eligible for cover.

    21 years – 29 years

  • Fixed excess

    The amount you will be required to pay for each non-related claim.

    €120

  • Waiting period

    The initial period during which no benefit is payable for the mentioned conditions.

    For an illness: Not available
    For an injury: No Waiting Period

Optional extras

  • Vet fees superior cover

    Cover for the cost of veterinary treatment during the policy year to treat accident, illness and injury.

  • Vet fees economy cover

    Cover for the cost of veterinary treatment during the policy year to treat accident, illness and injury.

  • Disposal

    Cover for if your horse dies. What we will pay towards the cost of the disposal of your horse's body.

    €180
    (no excess)

  • Permanent loss of use

    Cover for your horse if an injury or illness permanently prevents it from participating in any one of the insured activities, we will pay a percentage of your horse's market value (or sum insured, whichever is less).

  • Horse trailer and horse drawn vehicles

    Covers loss or damage and pays the cost of repaid up to the sum insured or market value (whichever is less) of the vehicle if it is stolen or destroyed.

    Sum insured or market value
    (max. €21.000)
    (+ excess €165)

  • Saddlery and tack

    Covers the replacement or repair of the saddlery and t ack that is damaged or stolen.

    Sum insured or replacement value
    (max. €12.000)
    (+ excess €165)

Benefits

Basic

Senior plan A

Senior plan B

Death from illness

Cover for the sum insured or market value (whichever is less) for your horse if it dies due to an illness.

Value of the horse. Excess 165 €

Not available

Not available

Death from injury

Cover for the sum insured, fixed amount or market value (whichever is less and applicable) for your horse if it dies due to an injury.

Value of the horse. Excess 165 €

Value of the horse, up to 2,000 €. Excess 165 €

Value of the horse, up to 2,000 €. Excess 165 €

Loss by theft or straying

Cover for the sum insured, fixed amount or market value (whichever is less and applicable) for your hose in the event of theft or straying.

Value of the horse. Excess 165 €

Value of the horse. Excess 165 €

Value of the horse. Excess 165 €

Veterinary fees for injury

Cover for the cost of veterinary treatment during the policy year to treat injury.

Not available

Up to 1,200 € per period of insurance. Excess 120 €

More details

Age limits

When your horse or pony is eligible for cover.

30 days – 20 years

21 years – 29 years

21 years – 29 years

Fixed excess

The amount you will be required to pay for each non-related claim.

€165

€120

€120

Waiting period

The initial period during which no benefit is payable for the mentioned conditions.

For an illness: 21 days
For an injury: No Waiting Period

For an illness: Not available
For an injury: No Waiting Period

For an illness: Not available
For an injury: No Waiting Period

Optional extras

Vet fees superior cover

Cover for the cost of veterinary treatment during the policy year to treat accident, illness and injury.

Up to €6.000
(+ excess €165)

Vet fees economy cover

Cover for the cost of veterinary treatment during the policy year to treat accident, illness and injury.

Up to €4.000
(+ excess €650)

Disposal

Cover for if your horse dies. What we will pay towards the cost of the disposal of your horse's body.

€180
(no excess)

€180
(no excess)

€180
(no excess)

Permanent loss of use

Cover for your horse if an injury or illness permanently prevents it from participating in any one of the insured activities, we will pay a percentage of your horse's market value (or sum insured, whichever is less).

60% or 100% of the market value
(+ excess €165)

Horse trailer and horse drawn vehicles

Covers loss or damage and pays the cost of repaid up to the sum insured or market value (whichever is less) of the vehicle if it is stolen or destroyed.

Sum insured or market value
(max. €21.000)
(+ excess €165)

Sum insured or market value
(max. €21.000)
(+ excess €165)

Sum insured or market value
(max. €21.000)
(+ excess €165)

Saddlery and tack

Covers the replacement or repair of the saddlery and t ack that is damaged or stolen.

Sum insured or replacement value
(max. €12.000)
(+ excess €165)

Sum insured or replacement value
(max. €12.000)
(+ excess €165)

Sum insured or replacement value
(max. €12.000)
(+ excess €165)

Terms, conditions and excesses apply and may be varied at renewal. Cover is subject to acceptance criteria, policy limits and exclusions may apply. Please consider the policy wording before making a decision to purchase the product.

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Get a horse insurance quote today

Flexible cover for your horse or pony – our wide range of horse insurance is for everyone. Get a quote today and see if you can save.

Horse insurance policy information

View the horse insurance combined Financial Services Guide (FSG) and Product Disclosure Statement (PDS) for full terms and conditions.
For more information, please see our FAQs.

Making a claim

We understand how stressful it can be when your pet gets sick or injured, that’s why we want to settle your claim as quickly as possible.