Horse insurance

We've got your horse or pony covered with a range of policy options packed with added benefits to suit your needs.

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

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

Petcover offers four types of cover – Basic, Senior plan A, Senior plan B and Horse liability.
Our 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 price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness.

    Sum insured or market value
    (whichever is lesser)

  • Death from injury

    Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness.

    Sum insured or market value
    (whichever is lesser)

  • Loss by theft or straying

    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)

  • Veterinary fees for injury

    Horse insurance cover for the cost of veterinary treatment your horse has received during the policy year to treat injury and illness.

    See optional benefits

  • Age limits

    When your horse or pony is eligible for cover.

    30 days – 18 years

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

    $250

  • Waiting period

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

    For injury: no waiting period

    For illness: 21 days

  • Third party liability

    Cover for any damage or injury you are legally responsible for and compensation as a result of your horse.

Optional extras

  • Insurance cover for veterinary costs

    Horse insurance cover for the cost of 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)

  • Burial and disposal

    If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.

    $300 (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).

    Up to 60% or 100% of the sum insured or market value
    (whichever is lesser)
    $250 Excess

  • Horse float and horse drawn vehicles

    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.

    Sum insured or market value
    (whichever is lesser)
    $250 excess

  • Saddlery and tack

    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.

    Sum insured or the replacement value
    (whichever is lesser)
    $250 excess

Benefits

  • Death from illness

    Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness.

  • Death from injury

    Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness.

    Up to $3,000 or market value
    (whichever is lesser)

  • Loss by theft or straying

    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)

  • Veterinary fees for injury

    Horse insurance cover for the cost of veterinary treatment your horse has received during the policy year to treat injury and illness.

  • Age limits

    When your horse or pony is eligible for cover.

    19 years – 29 years

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

    $250

  • Waiting period

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

    For injury: no waiting period

    For illness: 21 days

  • Third party liability

    Cover for any damage or injury you are legally responsible for and compensation as a result of your horse.

Optional extras

  • Insurance cover for veterinary costs

    Horse insurance cover for the cost of veterinary treatment your horse has received during the policy year, to treat injury and illness.

  • Burial and disposal

    If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.

    $300 (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 float and horse drawn vehicles

    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.

    Sum insured or market value
    (whichever is lesser)
    $250 excess

  • Saddlery and tack

    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.

    Sum insured or the replacement value
    (whichever is lesser)
    $250 excess

Benefits

  • Death from illness

    Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness.

  • Death from injury

    Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness.

    Up to $3,000 or market value
    (whichever is lesser)

  • Loss by theft or straying

    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)

  • Veterinary fees for injury

    Horse insurance cover for the cost of veterinary treatment your horse has received during the policy year to treat injury and illness.

    Up to $2,000

  • Age limits

    When your horse or pony is eligible for cover.

    19 years – 29 years

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

    $250

  • Waiting period

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

    For injury: no waiting period

    For illness: 21 days

  • Third party liability

    Cover for any damage or injury you are legally responsible for and compensation as a result of your horse.

Optional extras

  • Insurance cover for veterinary costs

    Horse insurance cover for the cost of veterinary treatment your horse has received during the policy year, to treat injury and illness.

  • Burial and disposal

    If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.

    $300 (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 float and horse drawn vehicles

    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.

    Sum insured or market value
    (whichever is lesser)
    $250 excess

  • Saddlery and tack

    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.

    Sum insured or the replacement value
    (whichever is lesser)
    $250 excess

Benefits

  • Death from illness

    Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness.

  • Death from injury

    Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness.

  • Loss by theft or straying

    Horse insurance cover for the price you paid (or sum insured, whichever is less) for your horse in the event of theft or straying.

  • Veterinary fees for injury

    Horse insurance cover for the cost of veterinary treatment your horse has received during the policy year to treat injury and illness.

  • Age limits

    When your horse or pony is eligible for cover.

    30 days – 30 years

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

    $250
    (property damage only)

  • Waiting period

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

  • Third party liability

    Cover for any damage or injury you are legally responsible for and compensation as a result of your horse.

    Up to $5 million or $10 million

Optional extras

  • Insurance cover for veterinary costs

    Horse insurance cover for the cost of veterinary treatment your horse has received during the policy year, to treat injury and illness.

  • Burial and disposal

    If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.

  • 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 float and horse drawn vehicles

    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.

  • Saddlery and tack

    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.

Benefits

Basic

Senior plan A

Senior plan B

Horse liability

Death from illness

Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness.

Sum insured or market value
(whichever is lesser)

Death from injury

Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness.

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)

Loss by theft or straying

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)

Veterinary fees for injury

Horse insurance cover for the cost of veterinary treatment your horse has received during the policy year to treat injury and illness.

See optional benefits

Up to $2,000

Age limits

When your horse or pony is eligible for cover.

30 days – 18 years

19 years – 29 years

19 years – 29 years

30 days – 30 years

Fixed excess

The non-refundable amount you will be required to pay for claims covered under this policy.

$250

$250

$250

$250
(property damage only)

Waiting period

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 illness: 21 days

For injury: no waiting period

For illness: 21 days

Third party liability

Cover for any damage or injury you are legally responsible for and compensation as a result of your horse.

Up to $5 million or $10 million

Optional extras

Insurance cover for veterinary costs

Horse insurance cover for the cost of 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)

Burial and disposal

If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.

$300 (no excess)

$300 (no excess)

$300 (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).

Up to 60% or 100% of the sum insured or market value
(whichever is lesser)
$250 Excess

Horse float and horse drawn vehicles

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.

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

Saddlery and tack

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.

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.

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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.
Target Market Determination (TMD) for Horse Insurance is available to view and download:
Basic & Senior Plans | Horse Liability

Horse insurance PDS Horse liability PDS

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