Horse insurance
We've got your horse or pony covered with a range of policy options packed with added benefits to suit your needs.
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.
-
N/A
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.
-
N/A
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.
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.
-
N/A
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.
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.
$500
-
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
-
N/A
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
$500
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
N/A
N/A
N/A
N/A
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
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
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
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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Get a horse insurance quote today
Flexible cover for your horse or pony – our wide range of horse insurance is for everyone. Get a quote today and see if you can save.
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
Making a claim
We understand how stressful it can be when your pet gets sick or injured, that’s why we want to settle your claim as quickly as possible.