Your horse or pony can be covered with a range of policy options packed with added benefits to suit your needs.
Petcover with its insurance partners offers one of Australia’s best range of horse and pony insurance.
Optional extras include vet fee cover, third party liability and personal accident cover ensuring both you and your horse are looked after.
We offer four horse insurance policies, each tailored to meet your needs.
The comparison table below highlights the key differences, making it easy to select the right policy for you and your horse.
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
(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
(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
(whichever is lesser)
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year to treat injury and illness.
See optional benefits
When your horse or pony is eligible for cover.
30 days – 18 years
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.
Superior vet fee cover:
up to $10,000 (excess $250)
or
Economy vet fee cover:
up to $7,000 (excess $1000)
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
$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.
Up to 60% or 100% of the sum insured or market value
(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.
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.
Sum insured or the replacement value
(whichever is lesser)
$250 excess
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
(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
(whichever is lesser)
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year to treat injury and illness.
–
When your horse or pony is eligible for cover.
19 years – 29 years
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.
–
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.
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.
Sum insured or the replacement value
(whichever is lesser)
$250 excess
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
(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
(whichever is lesser)
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
When your horse or pony is eligible for cover.
19 years – 29 years
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.
–
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.
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.
Sum insured or the replacement value
(whichever is lesser)
$250 excess
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
(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
(whichever is lesser)
Up to $3,000 or market value
(whichever is lesser)
Up to $3,000 or market value
(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
(whichever is lesser)
Up to $3,000 or market value
(whichever is lesser)
Up to $3,000 or market value
(whichever is lesser)
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year to treat injury and illness.
See optional benefits
–
Up to $2,000
When your horse or pony is eligible for cover.
30 days – 18 years
19 years – 29 years
19 years – 29 years
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.
Superior vet fee cover:
up to $10,000 (excess $250)
or
Economy vet fee cover:
up to $7,000 (excess $1000)
–
–
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
$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.
Up to 60% or 100% of the sum insured or market value
(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.
Sum insured or market value
(whichever is lesser)
$250 excess
Sum insured or market value
(whichever is lesser)
$250 excess
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.
Sum insured or the replacement value
(whichever is lesser)
$250 excess
Sum insured or the replacement value
(whichever is lesser)
$250 excess
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. Please consider the policy wording before making a decision to purchase the product.
Get a quick quote for your horse or pony today
*This offer is available to new and existing horse insurance customers. 5% discount is only available through our call centre with the promotional code ‘HORSE5’.
