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Prevention and control of flies for horses
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Read moreEquine & Horse Insurance NZ
✓ Up to $10,000 cover for eligible vet bills
✓ Covers up to 100% of eligible vet expenses
✓ Optional personal accident and horse liability cover
✓ Protect saddlery, tack, horse floats & horse-drawn vehicles
Vet checking horse's health before riding.
Take the reins - choose the cover you need
Whether you own a horse or lease a pony, have a Shetland or a Shire, compete fiercely or happily hack – we’ve got you covered.
Find horse insurance to suit your needs and budget – choose from a variety of plans, cover levels and optional extras for horses aged 30 days to 29 years old.
Or select a standalone public liability, saddlery and tack or horse trailer and horse-drawn vehicle policy.
Compare our horse insurance plans
Horses aged 30 days – 17 years old
Core cover
-
Death by injury
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or injury.
Market Value or Purchase Price
(whichever is less) -
Death by illness
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an illness.
Market Value or Purchase Price
(whichever is less) -
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.
Market Value or Purchase Price
(whichever is less) -
Burial & disposal
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
Optional extra
Up to $300 -
Vet fees
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year to treat injury and illness.
Optional extra
$7,000 or $10,000 cover -
Permanent loss of use (For horses 2yrs old+)
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).
60% or 100% of Market Value or Purchase Price
(whichever is less)
Optional extras
-
Saddlery & 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.
Up to $20,000
-
Horse floats, trailers & 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.
Up to $65,000
-
Personal accident
Cover for accidents that occur while riding or handling your insured horse, including: hospitalisation, emergency dental treatment, temporary or permanent disability, death and more.
Optional extra
$20,000 or $40,000 -
Horse liability
Cover for bodily injury or property damage caused by your horse to a third party.
Up to $5 million
Horses aged 17-30 years old
Core cover
-
Death by injury
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or injury.
Up to $3,000
-
Death by illness
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an illness.
–
-
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
-
Burial & disposal
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
–
-
Vet fees
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year to treat injury and illness.
–
-
Permanent loss of use (For horses 2yrs old+)
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).
–
Optional extras
-
Saddlery & 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.
Up to $20,000
-
Horse floats, trailers & 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.
Up to $65,000
-
Personal accident
Cover for accidents that occur while riding or handling your insured horse, including: hospitalisation, emergency dental treatment, temporary or permanent disability, death and more.
Optional extra
$20,000 or $40,000 -
Horse liability
Cover for bodily injury or property damage caused by your horse to a third party.
Up to $5 million
Horses aged 17-30 years old
Core cover
-
Death by injury
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or injury.
Up to $3,000
-
Death by illness
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an illness.
–
-
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
-
Burial & disposal
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
–
-
Vet fees
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
-
Permanent loss of use (For horses 2yrs old+)
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).
–
Optional extras
-
Saddlery & 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.
Up to $20,000
-
Horse floats, trailers & 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.
Up to $65,000
-
Personal accident
Cover for accidents that occur while riding or handling your insured horse, including: hospitalisation, emergency dental treatment, temporary or permanent disability, death and more.
Optional extra
$20,000 or $40,000 -
Horse liability
Cover for bodily injury or property damage caused by your horse to a third party.
Up to $5 million
Compare our horse insurance plans
Core-cover
Basic Cover
Horses aged 30 days – 17 years old
Senior Horse plan A
Horses aged 17-30 years old
Senior Horse plan B
Horses aged 17-30 years old
Death by injury
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or injury.
Market Value or Purchase Price
(whichever is less)
Up to $3,000
Up to $3,000
Death by illness
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an illness.
Market Value or Purchase Price
(whichever is less)
–
–
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.
Market Value or Purchase Price
(whichever is less)
Up to $3,000
Up to $3,000
Burial & disposal
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
Optional extra
Up to $300
–
–
Vet fees
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year to treat injury and illness.
Optional extra
$7,000 or $10,000 cover
–
Up to $2,000
Permanent loss of use (For horses 2yrs old+)
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).
60% or 100% of Market Value or Purchase Price
(whichever is less)
–
–
Optional extras
Saddlery & 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.
Up to $20,000
Up to $20,000
Up to $20,000
Horse floats, trailers & 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.
Up to $65,000
Up to $65,000
Up to $65,000
Personal accident
Cover for accidents that occur while riding or handling your insured horse, including: hospitalisation, emergency dental treatment, temporary or permanent disability, death and more.
Optional extra
$20,000 or $40,000
Optional extra
$20,000 or $40,000
Optional extra
$20,000 or $40,000
Horse liability
Cover for bodily injury or property damage caused by your horse to a third party.
Up to $5 million
Up to $5 million
Up to $5 million
Horse show jumping accident, young rider falling from horse during a competition
New! Personal Accident Cover
As the rider, you’re covered for:
- Up to $40,000 for: Death, Permanent blindness in one or both eyes, Loss of one or both hands or arms, Loss of one or both feet or legs and permanent total disability.
- $250 each week for temporary total disability.
- $2,000 for emergency dental treatment.
Pickup wehicle with horse trailer on the high way
Travel with peace of mind knowing that you're covered
As specialists in equestrian insurance, we provide comprehensive cover for horse trailers and horse-drawn vehicles.
Pet
Petcover NZ - Choose An Award Winning Horse Insurance Service
You’re in safe hands with our team of equine specialists. As part of Petcover, we insure thousands of horses around the globe and understand first-hand what it means to own a horse and the health problems that can affect them.
Our award-winning team is here to support you and your horse with the help you need. Whether that’s with making a claim or finding the right cover at the right price.