Personal accident insurance for horse riding

- Lump-sum up to $40,000 for serious injury
- Up to $2,000 to cover emergency dental care
- $250 per week benefit if an injury keeps you from working*

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Horse riding is exciting, but it does come with risks. Whether you’re tackling a challenging jump or enjoying a quiet ride, accidents can happen. That’s why personal accident insurance for horse riders is so important.

This insurance is here to support equestrians like you, offering peace of mind when it matters most. If you’re injured and unable to work or need emergency medical care, we’ve got you covered so you can focus on doing what you love without the extra worry.

 

What does personal accident insurance for horse riding cover?

Personal accident insurance for horse riding varies, so it’s important to choose a policy that gives the protection and peace of mind you need, especially in the face of life-changing injuries. A policy will typically cover accidents that occur while riding or handling your insured horse, including:

  • Hospitalisation
  • Emergency dental treatment
  • Temporary or permanent disability
  • Loss of hands, arms, feet or legs
  • Permanent blindness
  • Death

Find the right level of cover

Benefits

  • Death

    Up to $20,000

  • Permanent blindness in one or both eyes

    Up to $2000

  • Loss of one or both of hands or arms

    Meaning physical severance at, or above, the wrist. Or the total and permanent loss of an entire hand or arm.

    Up to $20,000

  • Loss of one or both of feet or legs

    Meaning physical severance at or above the ankle or the total and permanent loss of an entire foot or leg.

    Up to $20,000

  • Permanent Total Disability

    Due to an Accident, which results in the insured/rider never being able to carry out any type of work.

    Up to $20,000
    (Not payable until 52 weeks have passed since the accident)

  • Temporary Total Disability

  • Emergency Dental Treatment

    Up to $2,000

  • Hospitalisation

    $30 for each 24 hours you are in hospital
    (Up to 30 days)

Benefits

  • Death

    Up to $40,000

  • Permanent blindness in one or both eyes

    Up to $2000

  • Loss of one or both of hands or arms

    Meaning physical severance at, or above, the wrist. Or the total and permanent loss of an entire hand or arm.

    Up to $40,000

  • Loss of one or both of feet or legs

    Meaning physical severance at or above the ankle or the total and permanent loss of an entire foot or leg.

    Up to $40,000

  • Permanent Total Disability

    Due to an Accident, which results in the insured/rider never being able to carry out any type of work.

    Up to $40,000
    (Not payable until 52 weeks have passed since the accident)

  • Temporary Total Disability

    $250 per week
    (Payable after the first 7 days of the accident, and for no more than 52 consecutive weeks)

  • Emergency Dental Treatment

    Up to $2,000

  • Hospitalisation

    $30 for each 24 hours you are in hospital
    (Up to 30 days)

Find the right level of cover

Benefits

Core

Premium

Death

Up to $20,000

Up to $40,000

Permanent blindness in one or both eyes

Up to $2000

Up to $2000

Loss of one or both of hands or arms

Meaning physical severance at, or above, the wrist. Or the total and permanent loss of an entire hand or arm.

Up to $20,000

Up to $40,000

Loss of one or both of feet or legs

Meaning physical severance at or above the ankle or the total and permanent loss of an entire foot or leg.

Up to $20,000

Up to $40,000

Permanent Total Disability

Due to an Accident, which results in the insured/rider never being able to carry out any type of work.

Up to $20,000
(Not payable until 52 weeks have passed since the accident)

Up to $40,000
(Not payable until 52 weeks have passed since the accident)

Temporary Total Disability

$250 per week
(Payable after the first 7 days of the accident, and for no more than 52 consecutive weeks)

Emergency Dental Treatment

Up to $2,000

Up to $2,000

Hospitalisation

$30 for each 24 hours you are in hospital
(Up to 30 days)

$30 for each 24 hours you are in hospital
(Up to 30 days)

Terms, conditions and excesses apply and may be varied at renewal. Cover is subject to acceptance criteria, policy limits and exclusions may apply. Please read the policy wording before buying a policy.

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Why is horse riding personal accident insurance important?

Horse riding is wonderful, but it does come with risks. Accidents can happen, and the right personal accident insurance can help give you some peace of mind.

Horse riding personal accident insurance means you’re covered for emergency dental expenses, and can support you with a loss of income if an injury prevents you from working. And in the event of a life-changing injury, it provides a lump-sum benefit to support you in facing new challenges and help ease the burden during what can be a difficult time.

 

Does horse riding personal accident insurance cover all equestrian activities?

Most personal accident horse riding policies cover common activities like jumping, hacking, and trail riding. But keep in mind, high-risk activities like eventing, endurance riding, or competitive show-jumping might not be included in a standard policy. Double-check your horse insurance policy to make sure it fits the type of riding you do, and reach out to your provider if you have questions about what’s covered (or not). Read about the equine sports and activities our policy can cover.

 

Is personal accident cover included on my horse insurance?

Personal accident cover is usually an optional add-on to your horse insurance, so it’s not automatically included. If you’d like cover, you’ll need to ask for it. Some providers might include a basic level of personal accident cover in their standard policy, but it’s always a good idea to check the details to see if it’s enough for what you need.

 

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