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 plans to find the best insurance for your horse or pony

As equine insurance specialists, we offer New Zealand’s best range of horse and pony insurance.
Our optional extras include vet fees cover and third-party liability, ensuring both you and your horse are looked after.
 

Petcover offers three plans: Basic Cover, Senior plan A and Senior plan B.
Our 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

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

    $250

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.

    HNXS (normal)
    Up to $10,000 (excess $250)
    or
    HIXS (high)
    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

Age limits

  • Age limit

    Eligible horses or ponies can be covered from the age of 30 days and before their 30th birthday.

    30 days – 16 years

Optional extras or stand alone

  • 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

Additional policy

  • 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)

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.

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

    $250

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.

    $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).

Age limits

  • Age limit

    Eligible horses or ponies can be covered from the age of 30 days and before their 30th birthday.

    17 years – 30 years

Optional extras or stand alone

  • 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

Additional policy

  • 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)

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

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

    $250

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.

    Included as standard benefit

  • 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).

Age limits

  • Age limit

    Eligible horses or ponies can be covered from the age of 30 days and before their 30th birthday.

    17 years – 30 years

Optional extras or stand alone

  • 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

Additional policy

  • 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)

Simply choose your level of cover

Benefits

Basic Cover

Senior Plan A

Senior Plan B

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

Fixed excess

The non-refundable amount you will be required to pay for claims covered under this policy.

$250

$250

$250

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.

HNXS (normal)
Up to $10,000 (excess $250)
or
HIXS (high)
Up to $7,000 (excess $1000)

Included as standard benefit

Disposal

If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.

$300 (no excess)

$300 (no excess)

$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

Age limits

Age limit

Eligible horses or ponies can be covered from the age of 30 days and before their 30th birthday.

30 days – 16 years

17 years – 30 years

17 years – 30 years

Optional extras or stand alone

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

Additional policy

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)

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.

image of a brown and white horse being patted by a women

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 policy wording for full terms and conditions. For more information, please see our FAQs.

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.