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Read moreEquine / 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 eligible 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 – 17 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 eligible 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.
17 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 eligible 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.
17 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 eligible 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 eligible 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 – 17 years
17 years – 29 years
17 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
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
Pet insurance for horses can offer several benefits to both you and your equine friend. Here are some key benefits:
- Veterinary Expenses Coverage: Horse insurance can help offset the cost of veterinary care. Horses often require specialized veterinary services, which can be expensive. Insurance coverage can contribute to diagnostic tests and treatment for illnesses or injuries, ensuring your pet receives the necessary care without straining your finances.
- Emergency Medical Care: Accidents or sudden health issues can happen unexpectedly. Pet insurance helps cover emergency medical expenses, including treatments, surgeries, or hospitalization, ensuring that you can provide prompt and necessary care.
- Diagnostic Testing and Imaging: Horses may require various diagnostic procedures, such as blood tests, X-rays, or other imaging studies. Pet insurance can help cover the costs associated with these diagnostic tools, helping veterinarians accurately diagnose and treat health issues.
- Peace of Mind: Knowing you have pet insurance for your horse can provide peace of mind. It enables you to make decisions based on your pet’s health needs. This peace of mind can lead to better overall care for your pet, as you’ll be more likely to seek prompt veterinary attention when needed.
Before purchasing pet insurance, it’s essential to carefully review the terms, conditions, and coverage options provided by different insurers to ensure that the policy meets your pet’s specific needs.
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 – a wide range of horse insurance cover enables an option 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.
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.