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Equine / Horse insurance New Zealand

Your horse or pony can be covered with a range of policy options packed with added benefits to suit your needs.

Compare the plans below to find the best insurance for your horse or pony

Petcover along with its insurance partners offers one of New Zealand’s best range of horse and pony insurance.
Optional extras include vet fees 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.

Simply choose your level of cover

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.

    Up to $5 million or $10 million
    $250 excess (property damage only)

Optional extras

  • Vet fees

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

    Superior
    Up to $10,000 (excess $250)
    or
    Economy
    Up to $7,000 (excess $1000)

  • 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

  • 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
    $250 excess (property damage only)

Optional extras

  • Vet fees

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

  • 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

  • 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 $10 million
    $250 excess (property damage only)

Optional extras

  • Vet fees

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

  • 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 market 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 – 29 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 $10 million
    $250 excess (property damage only)

Optional extras

  • Vet fees

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

  • 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.

Simply choose your level of cover

Benefits

Basic Cover

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 – 29 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 injury: no waiting period

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
$250 excess (property damage only)

Up to $5 million or 10 million
$250 excess (property damage only)

Up to $5 million or 10 $10 million
$250 excess (property damage only)

Up to $5 million or 10 $10 million
$250 excess (property damage only)

Optional extras

Vet fees

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

Superior
Up to $10,000 (excess $250)
or
Economy
Up to $7,000 (excess $1000)

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 market 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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Benefits of Horse Insurance New Zealand Policies

For those who cannot afford to keep horses, a horse insurance policy in New Zealand is a good alternative. These policies have a lot of benefits for horse owners, listed below.

Choose any Vet

Vet expenses are the most significant reason people in New Zealand avoid keeping horses as pets. Fortunately, a horse pet insurance policy allows owners to choose any vet they want without worrying about their fees or medication expenses. Horse owners can choose the top horse vet without worrying about the costs and get their horses the treatment they deserve. The experienced vets also know the dos and dons of horse care and will help get better benefits in the long run.

Peace of Mind

Owning a pet horse requires taking care of many things, including their health, shelter, and general well-being. It is pretty tricky for horse owners to provide complete care to these horses on a limited budget. However, investing in an insurance policy ensures that horse owners can get their pets world-class treatment right away. On-time treatment and care increase their chances of a good life ahead too.

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Get a horse insurance quote today

Flexible cover for your horse or pony – a wide range of horse insurance cover enables an option for everyone. Get a quote today and see if you can save.

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Types of Horse Insurance Policies

Horse insurance is in high demand, so insurance providers have different policy options you can choose. Here are the top insurance policy options that you can choose.

Time-Limited Policy

As the name suggests, the limited-time policies are valid for a short period. These policies can help horse owners whose pets are facing frequent health problems. In addition to full coverage, these policies also provide all sorts of benefits in case of an accident.

Horse insurance policy information

View the horse insurance policy wording 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 0800 255 426.

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.

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Get Award-Winning Pet Insurance

Investing in a horse insurance policy is a great way to reduce your expenses and provide your horses with care. However, it is essential to buy a policy from a reliable service. Thus, we suggest connecting with our professionals at Petcover New Zealand to get affordable policies for the lowest possible premiums.