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
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.
We can cover your horse or pony if they fall between these age ranges.
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 less)
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
Economy: Up to $7,000
Superior: Up to $10,000
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 less)
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 less)
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
Available as optional add-on
Up to $300
The initial period where no benefit is payable for the mentioned conditions.
For injury: No waiting period
For illness: 21 days
The non-refundable amount you will be required to pay for claims covered under this policy. Additional excess may apply for add-ons.
$250
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
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
Cover for accidents that occur while riding or handling your insured horse, including: hospitalisation, emergency dental treatment, temporary or permanent disability, death and more.
Available as optional add-on
Up to $40,000
We can cover your horse or pony if they fall between these age ranges.
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 less)
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year to treat injury and illness.
–
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.
–
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 less)
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
–
The initial period where no benefit is payable for the mentioned conditions.
For injury: No waiting period
For illness: No cover
The non-refundable amount you will be required to pay for claims covered under this policy. Additional excess may apply for add-ons.
$250
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
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
Cover for accidents that occur while riding or handling your insured horse, including: hospitalisation, emergency dental treatment, temporary or permanent disability, death and more.
Available as optional add-on
Up to $40,000
We can cover your horse or pony if they fall between these age ranges.
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 less)
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
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.
–
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 less)
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
–
The initial period where no benefit is payable for the mentioned conditions.
For injury: No waiting period
For illness: No cover
The non-refundable amount you will be required to pay for claims covered under this policy. Additional excess may apply for add-ons.
$250
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
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
Cover for accidents that occur while riding or handling your insured horse, including: hospitalisation, emergency dental treatment, temporary or permanent disability, death and more.
Available as optional add-on
Up to $40,000
We can cover your horse or pony if they fall between these age ranges.
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 less)
Up to $3,000 or market value of horse
(whichever is less)
Up to $3,000 or market value of horse
(whichever is less)
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
Economy: Up to $7,000
Superior: Up to $10,000
–
Up to $2,000
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 less)
–
–
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 less)
Up to $3,000 or market value of horse
(whichever is less)
Up to $3,000 or market value of horse
(whichever is less)
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
Available as optional add-on
Up to $300
–
–
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: No cover
For injury: No waiting period
For illness: No cover
The non-refundable amount you will be required to pay for claims covered under this policy. Additional excess may apply for add-ons.
$250
$250
$250
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
Available as optional add-on
Available as optional add-on
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
Available as optional add-on
Available as optional add-on
Cover for accidents that occur while riding or handling your insured horse, including: hospitalisation, emergency dental treatment, temporary or permanent disability, death and more.
Available as optional add-on
Up to $40,000
Available as optional add-on
Up to $40,000
Available as optional add-on
Up to $40,000
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.
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.
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.
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.
Unfortunately, we can’t cover racehorses. Since racehorses are considered bloodstock, we’re only able to insure livestock.
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.
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.
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.
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.
