Image of two horses one kissing the other whilst the other sticks its tongue out
Equine & Horse Insurance Australia
Cover your horse or pony with a policy tailored to your needs, starting from just $17.08 a month.
- Up to $10,000 cover for eligible vet bills
- Personal injury add-on for horse riders
- Up to 100% of eligible vet bills covered
Horse and Equine Insurance from Petcover
Petcover, together with its insurance partners, offers one of Australia’s most comprehensive ranges of horse and pony insurance.
Alongside our standard horse insurance cover, optional extras include vet fee cover, third party liability and personal accident cover ensuring both you and your horse are looked after.
The happy Causasian woman is grooming her bay horse with a body brush in outdoors in summer.
Horse insurance can include:
- Ages covered:
- 30 days old – 29 years old
- Death from injury or illness – Financial support to help ease unexpected costs during a difficult time.
- Loss by theft or straying – Covers your horse’s value if they’re stolen or go missing and aren’t returned.
- Waiting periods:
- Injury: No waiting period
- Illness: 21 days
- Low $250 fixed excess
horse-eating-hay
Available add-ons
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Veterinary fees – Covers eligible vet treatment for injury or illness.
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Permanent loss of use – Covers a percentage of your horse’s value if it can’t take part in an insured activity.
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Horse float & horse-drawn vehicles – Support for repair or replacement if destroyed, stolen, or damaged, up to the insured or market value.
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Saddlery & tack – Covers cost of repairs or replacing damaged, stolen, or destroyed items.
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Personal accident – Covers accidents while riding or handling your horse, including hospitalisation, disability, and death. Find out more about personal accident cover.
Why choose Petcover equine insurance?
Join thousands of horse owners who trust Petcover to protect their horses.
With award-winning policies, cover options to suit everything from leisure riding to competition, and an easy online claims process, we make it simple to insure your horse. Plus, our vet-endorsed policies and expert equine team ensure your horse receives the very best care when it matters most.
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.
Horse & Pony/Senior Horse Insurance
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
Horse Third Party Liability Insurance
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.
Horse insurance FAQs
What is equine insurance?
Simply put, it’s insurance for horses. Many horse and pony owners get it to cover things like mortality or loss if their horse is stolen or goes missing. But that’s not all – it can also cover vet bills if your horse gets sick or injured, or even damage caused by your horse. You can add extras too, like personal accident cover, protection for your saddlery and tack, or even horse-drawn trailers.
Can you insure a racehorse?
Unfortunately, we can’t cover racehorses. Since racehorses are considered bloodstock, we’re only able to insure livestock.
How much does horse insurance cost?
The cost of horse insurance depends on factors such as the horse’s age, breed, health and the type of cover you choose. Policies with higher veterinary fee limits or additional extras will generally cost more. Getting a quote from Petcover is the best way to find out what you’ll pay. Our policies start from $17.09 a month.*
So, what exactly does horse insurance cover?
Generally, it’s there to help if the worst happens – like if your horse passes away, gets stolen, or goes missing. But you can also customise your policy to include extras for an additional cost. Think vet bills for illness or injury, cover for your saddles and tack, or even insurance for horse-drawn trailers. You can also add personal accident cover or third-party liability. It really just depends on the specific policy you choose and what you need for your peace of mind.
Does horse insurance cover vet bills?
Yes, depending on the level of cover you choose. Petcover policies can pay towards eligible veterinary fees for illness or injury, up to the limits of your plan with an optional add-on. Our Superior add-on can cover up to $10,000 in vet fees, while the Economy add-on covers up to $7,000.
Do horse trailers need insurance?
While horse float or trailer insurance isn’t a legal requirement, it’s highly recommended. Specialist insurance can protect your float or trailer against theft, accidental damage, or fire. Petcover also offers discounts on horse float insurance when you hold a horse insurance policy.
Are sports or activities included in horse insurance?
Your policy can cover you for a wide range of equine sports and activities, including:
- Hacking and pleasure riding
- Showing and groundwork
- Show jumping and dressage
- Cross country
- Eventing
- Endurance riding
- Western sports like barrel racing, reining, and cutting
- Competitive carriage driving
- Advanced and three-day eventing
- Polo and polocrosse
- Team chasing
- Point-to-point racing
You can read more about insurance for horse sports and activities in our blog.
*Price based on 8-week-old Stockhorse with a Basic plan. Prices correct at time of publishing.