Your horse or pony can be covered with a range of policy options packed with added benefits to suit your needs.
At Petcover, we team up with our insurance partners to bring you some of Australia’s top horse and pony insurance plans.
We’ve got a variety of policies, each one designed to fit your specific needs. You can even add on extras like vet fee cover, third-party liability, and personal accident cover to make sure both you and your horse are completely covered.
To help you pick the perfect policy, check out our comparison table below. It lays out all the key differences so you can easily choose what’s right for you and your equine friend.
When your horse or pony is eligible for cover.
30 days – 18 years old
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness. Eligibility criteria apply.
Sum insured or market value of horse
(whichever is lesser)
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness. Eligibility criteria apply.
Sum insured or market value of horse
(whichever is lesser)
Horse insurance cover for the price you paid (or sum insured, whichever is less) for your horse in the event of theft or straying.
Sum insured or market value of horse
(whichever is lesser)
The non-refundable amount you will be required to pay for claims covered under this policy.
$250
The initial period where no benefit is payable for the mentioned conditions.
For injury: No waiting period
For illness: 21 days
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year to treat injury and illness.
Available as optional add-on
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year, to treat injury and illness.
Available as optional add-on
$7,000 or $10,000
$250 or $1,000 excess
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
Available as optional add-on
$300
No excess
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). Eligibility criteria apply.
Available as optional add-on
Up to 60% or 100% of the sum insured or market value of horse
(whichever is lesser)
$250 excess
Cover for your horse float or horse drawn vehicle. If your float or horse drawn vehicle is destroyed, stolen or damaged, the cover will repair or replace up to the sum insured or market value, whichever is the lesser. Eligibility criteria apply.
Available as optional add-on
Sum insured or market value of horse
(whichever is lesser)
$250 excess
Cover if your saddlery and tack is damaged - we will pay the cost of repair. If the repair costs are more than the item is worth, or the item is stolen or destroyed, we will cover the cost to replace as new. Eligibility criteria apply.
Available as optional add-on
Sum insured or the replacement value
(whichever is lesser)
$250 excess
When your horse or pony is eligible for cover.
19 years – 29 years old
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness. Eligibility criteria apply.
–
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness. Eligibility criteria apply.
Up to $3,000 or market value of horse
(whichever is lesser)
Horse insurance cover for the price you paid (or sum insured, whichever is less) for your horse in the event of theft or straying.
Up to $3,000 or market value of horse
(whichever is lesser)
The non-refundable amount you will be required to pay for claims covered under this policy.
$250
The initial period where no benefit is payable for the mentioned conditions.
For injury: No waiting period
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year to treat injury and illness.
–
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year, to treat injury and illness.
–
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
–
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). Eligibility criteria apply.
–
Cover for your horse float or horse drawn vehicle. If your float or horse drawn vehicle is destroyed, stolen or damaged, the cover will repair or replace up to the sum insured or market value, whichever is the lesser. Eligibility criteria apply.
Available as optional add-on
Sum insured or market value
(whichever is lesser)
$250 excess
Cover if your saddlery and tack is damaged - we will pay the cost of repair. If the repair costs are more than the item is worth, or the item is stolen or destroyed, we will cover the cost to replace as new. Eligibility criteria apply.
Available as optional add-on
Sum insured or the replacement value
(whichever is lesser)
$250 excess
When your horse or pony is eligible for cover.
19 years – 29 years old
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness. Eligibility criteria apply.
–
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness. Eligibility criteria apply.
Up to $3,000 or market value of horse
(whichever is lesser)
Horse insurance cover for the price you paid (or sum insured, whichever is less) for your horse in the event of theft or straying.
Up to $3,000 or market value of horse
(whichever is lesser)
The non-refundable amount you will be required to pay for claims covered under this policy.
$250
The initial period where no benefit is payable for the mentioned conditions.
For injury: No waiting period
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year to treat injury and illness.
Up to $2,000
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year, to treat injury and illness.
–
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
–
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). Eligibility criteria apply.
–
Cover for your horse float or horse drawn vehicle. If your float or horse drawn vehicle is destroyed, stolen or damaged, the cover will repair or replace up to the sum insured or market value, whichever is the lesser. Eligibility criteria apply.
Available as optional add-on
Sum insured or market value
(whichever is lesser)
$250 excess
Cover if your saddlery and tack is damaged - we will pay the cost of repair. If the repair costs are more than the item is worth, or the item is stolen or destroyed, we will cover the cost to replace as new. Eligibility criteria apply.
Available as optional add-on
Sum insured or the replacement value
(whichever is lesser)
$250 excess
When your horse or pony is eligible for cover.
30 days – 18 years old
19 years – 29 years old
19 years – 29 years old
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness. Eligibility criteria apply.
Sum insured or market value of horse
(whichever is lesser)
–
–
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness. Eligibility criteria apply.
Sum insured or market value of horse
(whichever is lesser)
Up to $3,000 or market value of horse
(whichever is lesser)
Up to $3,000 or market value of horse
(whichever is lesser)
Horse insurance cover for the price you paid (or sum insured, whichever is less) for your horse in the event of theft or straying.
Sum insured or market value of horse
(whichever is lesser)
Up to $3,000 or market value of horse
(whichever is lesser)
Up to $3,000 or market value of horse
(whichever is lesser)
The non-refundable amount you will be required to pay for claims covered under this policy.
$250
$250
$250
The initial period where no benefit is payable for the mentioned conditions.
For injury: No waiting period
For illness: 21 days
For injury: No waiting period
For injury: No waiting period
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year to treat injury and illness.
Available as optional add-on
–
Up to $2,000
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year, to treat injury and illness.
Available as optional add-on
$7,000 or $10,000
$250 or $1,000 excess
–
–
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
Available as optional add-on
$300
No excess
–
–
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). Eligibility criteria apply.
Available as optional add-on
Up to 60% or 100% of the sum insured or market value of horse
(whichever is lesser)
$250 excess
–
–
Cover for your horse float or horse drawn vehicle. If your float or horse drawn vehicle is destroyed, stolen or damaged, the cover will repair or replace up to the sum insured or market value, whichever is the lesser. Eligibility criteria apply.
Available as optional add-on
Sum insured or market value of horse
(whichever is lesser)
$250 excess
Available as optional add-on
Sum insured or market value
(whichever is lesser)
$250 excess
Available as optional add-on
Sum insured or market value
(whichever is lesser)
$250 excess
Cover if your saddlery and tack is damaged - we will pay the cost of repair. If the repair costs are more than the item is worth, or the item is stolen or destroyed, we will cover the cost to replace as new. Eligibility criteria apply.
Available as optional add-on
Sum insured or the replacement value
(whichever is lesser)
$250 excess
Available as optional add-on
Sum insured or the replacement value
(whichever is lesser)
$250 excess
Available as optional add-on
Sum insured or the replacement value
(whichever is lesser)
$250 excess
Terms, conditions and excesses apply and may be varied at renewal. Cover is subject to acceptance criteria, policy limits and exclusions may apply. Always read the policy wording before taking out a policy.
Read the Target Market Determination (TMD) documents to ensure our policies fit your needs. These documents explain who the policy is for and how it should be used, so you don’t end up with cover that’s not right for you.
Policies bought on or after 20 August 2024:
Horse & Pony Insurance TMD
Policies bought between 14 August 2024 – 19 August 2024:
Horse & Pony Insurance TMD
Policies bought between 30 June 2023 – 13 August 2024:
Horse & Pony Insurance TMD
Policies bought on or after 20 August 2024:
Horse Liability Insurance TMD
Policies bought between 30 June 2023 – 19 August 2024:
Horse Liability Insurance TMD
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. If you would like to view previous policy wording documents, please call us on 1300 731 324.
