What does Petcover Horse Insurance cover?

Thinking about bringing a horse into your life? It’s a big commitment. Between the feed, agistment, farrier visits, and all those regular health checks, the bills start to pile up. But what about those times when something out of the blue happens? Things like a sudden case of colic, a paddock accident, or even your tack going missing, unexpected costs like these can really throw your budget off track.

Understanding your insurance options helps you prepare for these moments. This guide explains exactly what Petcover equine insurance covers, from core protections to optional add-ons. By the end, you’ll know how to build a safety net that suits your needs as an Australian horse owner.

Jump to:

• The core of equine insurance: Protecting your horse
• Tailoring your cover: Optional add-ons that make sense
• Insurance for every stage of life
• What does this mean for your daily riding?
• Secure your peace of mind today

The core of equine insurance and how it protects your horse

When it comes down to it, equine insurance is there to help protect you from those big, unexpected costs. None of us ever want to use it, but just knowing it’s there can take a load off your mind.

Death from injury or illness

Losing a horse is a tough blow emotionally and financially. With our Basic Horse Plan, you’ll get cover for up to the amount you paid for your horse (or the sum insured, whichever is less) if they pass away from an accident or illness.

And for horses that are a bit longer in the tooth, our Senior plans step in to cover death from injuries so you can still have that extra bit of reassurance as your horse gets older.

Loss by theft or straying

Sometimes horses wander or in the worst case, get stolen. If it happens, Petcover is there to help with financial backup, reimbursing you for what you paid (or the sum insured), so you’re not left out of pocket.

Burial and disposal

We all know saying goodbye to a horse is never easy, and dealing with the practical side of things can make it even harder. That’s why Petcover offers an optional add-on to help with up to $300 towards burial and disposal costs, so you’ve got one less thing to worry about during a tough time.

Tailoring your cover with optional add-ons

Let’s face it; no two horse owners are the same. That’s why Petcover gives you options to pick and choose your extras, so you can tailor your policy to cover what’s important to you (and not pay for what’s not).

Veterinary fees for injury and illness

We all know vet bills can crop up when you least expect them, and they’re rarely cheap. With Petcover, you can choose to add vet fee cover to your Basic Horse Plan, picking the option that best fits your needs:

• Economy: Covers up to $7,000 for eligible treatments.
• Superior: Covers up to $10,000 for eligible treatments.

Protecting your gear including saddlery, tack, and floats

We all know your investment doesn’t stop at the horse itself. There’s your saddles, tack, and of course, your horse float, all of which add up! Petcover gives you the option to add extra cover for your gear, so you’re looked after if something goes wrong.

• Saddlery and tack: Covers damage or theft, paying for repairs or replacement.
• Horse float and vehicles: Repairs or replaces your float if it’s damaged or stolen.

Personal accident and third-party liability

Horses can be unpredictable, and accidents do happen. That’s why it’s smart to add personal accident cover, which can provide up to $40,000 if you end up in hospital, need emergency dental work, or face permanent disability or worse after an incident while handling or riding your horse.

You can also add liability protection to cover situations where your horse causes damage or injury to someone else.

Insurance for every stage of life

Every horse is unique, and their insurance needs change as they get older. That’s why Petcover has plans designed for every stage of your horse’s life, so you can find the right fit whether you’ve got a playful youngster or a seasoned old-timer.

Basic Horse Plan (30 Days to 18 Years)

This plan covers the essentials including illness, injury, theft, and straying. It also gives you access to higher limits for optional extras like vet fees or loss of use cover so you can tailor it to your needs.

Senior Horse Plans (19 to 29 Years)

If your horse’s in their senior years, Petcover offers two plans to make sure they’re covered:

• Plan A: Covers death from injury, theft, and straying, with optional extras like float and liability cover.
• Plan B: Includes Plan A benefits plus up to $2,000 in vet fee cover for injuries and illnesses.

What it means for your daily riding?

Having the right insurance means you can get out and enjoy your horse, without that nagging worry in the back of your mind about what could go wrong. Whether you’re off for a Sunday trail ride or gearing up for a competition, your policy is there to back you up and help you ride with confidence.

If you take part in specific horse riding activities, it’s worth making sure your policy matches how you use your horse, which is where equestrian sports insurance can help you get a clearer idea of what’s covered.

If you’re still weighing things up, it can help to take a closer look at the real risks horse owners face and whether horse insurance is worth it for your situation.

Secure your peace of mind today

Equine insurance is all about giving you financial peace of mind and making sure your horse gets the care they need, if and when the unexpected happens. Once you know your options and tailor your cover to fit, you’ve got yourself a reliable safety net, so you can focus on enjoying time with your horse, not stressing about the “what ifs.”

Check out Petcover’s flexible equine insurance options and grab a quick, no-obligation quote today, you’ll be glad you did!