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Read moreYour 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 and third party liability, ensuring both you and your horse are looked after.
There are four types of cover to choose from– Basic, Senior plan A, Senior plan B and Horse liability.
The comparison table below outlines the key differences to help you choose the option right 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
Cover for any damage or injury you are legally responsible for and compensation as a result of your horse. Eligibility criteria apply.
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
Cover for any damage or injury you are legally responsible for and compensation as a result of your horse. Eligibility criteria apply.
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
Cover for any damage or injury you are legally responsible for and compensation as a result of your horse. Eligibility criteria apply.
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.
Horse insurance cover for the price you paid (or sum insured, whichever is less) for your horse in the event of theft or straying.
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.
30 days – 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.
Cover for any damage or injury you are legally responsible for and compensation as a result of your horse. Eligibility criteria apply.
Up to $5 million or $10 million
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.
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.
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
30 days – 29 years
The non-refundable amount you will be required to pay for claims covered under this policy.
$250
$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
Cover for any damage or injury you are legally responsible for and compensation as a result of your horse. Eligibility criteria apply.
Up to $5 million or $10 million
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.
Flexible cover for your horse or pony – there’s horse insurance options for everyone. Get a quote today and see if you can save.
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.
Target Market Determination (TMD) for Horse and Pony Insurance effective from 20 August 2024 is available to view and download: click here
Target Market Determination (TMD) for Horse Liability Insurance effective from 20 August 2024 is available to view and download: click here
Target Market Determination (TMD) for Horse & Pony Insurance effective from 14 August 2024 to 29 August 2024 is available to view and download: click here. The TMD effective from 30 June 2023 to 13 August is available to view and download: click here
Target Market Determination (TMD) for Horse & Pony Insurance effective from 30 June 2023 to 19 August 2024 is available to view and download: click here
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.