Compare horse Insurance

The right Horse Insurance Policy means you know that if the worst happens, you are covered.  

We love our horses and ponies, the fun and companionship they give us, but they are big animals and when an accident happens the cost of putting things right can be significant. 

If the unthinkable accident happens you could be injured and unable to work, and other people could be hurt, their property damaged, and you could be liable for claims against you. Your horse could be hurt and vet fees can quickly escalate.  

Whether you have a child with a pony, own and ride your own horse for fun or in competitions, or ride for someone else, there’s a policy to suit you, your horse, and your budget, and it’s our job to help you compare horse insurance options and find your perfect policy!

How much does horse insurance cost?

Horse and pony Insurance costs will vary depending on the cover you choose, whether you want to include health insurance cover, your policy excess, your animal’s age, where you live and what you do together. The simplest horse insurance policies cover you for damage caused to other people or their property and personal accident cover, and the most comprehensive also offer health insurance cover to pay vet fees up to agreed limits. That’s why it’s important to compare horse insurance options from a range of insurers to help you find the policy which best suits your activities and budget.

Compare the most popular horse insurance policy’s key features using the table below. Once you narrow down the options, click the ‘Get a quote’ buttons below to compare personalised quotes from your shortlist and rest assured you’ve done all you can to make the right choice!

 

Advertiser Disclosure: 

All policy information in the table below was obtained from the insurer’s website in November 2018 and was accurate at the time of compilation. Symphony Digital Ltd cannot be held responsible for any inaccuracies. Please visit each insurers website to obtain quotes and check policy details.  

Average Rating

1.7
Based on 314 reviews
Policy Type

Standard Horse Cover plus Third Party Liability

Waiting Periods

14 days

Age Limits

Standard Horse Insurance offers cover from 30 days old to 20 years. Mature Horse insurance covers horses who are 20 or older.

Excess

Excess options of £250 or £500.

Payout Limits

Vet fees limit options of £2,000, £4,000 and £6,000 per condition per year. Third Party Liability pay out limit options of £2million with either a £250 or £500 excess, Death of horse £1,500 cover.

Average Rating

1.7
Based on 314 reviews
Policy Type

Standard Horse Cover with Personal Accident and Third Party Liability

Waiting Periods

14 days

Age Limits

Standard Horse Insurance offers cover from 30 days old to 20 years. Mature Horse insurance covers horses who are 20 or older.

Excess

Excess options of £250 or £500. 

Payout Limits

Vet fees limit of £2,000 per condition per year with a £10,000 personal accident limit and £750 dental cover and £2million Third Party Liability cover.

Average Rating

1.4
Based on 149 reviews
Policy Type

Standard Horse Insurance

Waiting Periods

14 days

Age Limits

From 31 days to 20 years of age.

Excess

Vets fees £150; Saddlery and Tack £85; Public Liabilty £250

Payout Limits

Death and Loss 100% of sum Insured/Market Value up to £15,000 maximum. £1,500 Accident only cover or £5,000 Vet fee cover per injury options available plus £1.5 million Public Liability.

Average Rating

0
Based on 0 reviews
Policy Type

Basic Policy covering Loss, Theft or Death

Waiting Periods

14 days

Age Limits

30 days of age to 25 years if covered before they are 20 years old.

Excess

N/A

Payout Limits

Basic Horse Insurance offers a maximum sum insured for loss by Death or theft of up to £30,000 with a 24 hour a day Legal Advice Helpline.

Average Rating

0
Based on 0 reviews
Policy Type

Basic Cover plus Vet Fee Cover, Personal Accident cover, and Third Party Liability Cover

Waiting Periods

Injuries are covered immediately, Illness cover starts 14 days after policy inception. 

Age Limits

30 days of age to 25 years if covered before they are 20 years old.

Excess

Vet fee Excess is £145 per Vet Fee claim with no extra percentage to add, optional higher excess of £500, Third Party Liability excess of £250 for property damage, £100 excess for Saddlery & Tack.

Payout Limits

Basic Horse Insurance plus extras offers a choice of sum insured to a maximum for loss by Theft or Death of up to £30,000. Options of £3,500 or £5,000 cover for Vet Fees per condition, £1million, £3million or £5million for Third Party Liability cover, £10,000 or £20,000 for Personal Accident cover and choices of 60% or 100% of the horses market value for Permanent loss of use, and the cost to cover replacement for Saddlery Tack.

Average Rating

1.7
Based on 314 reviews
Policy Type

Rider only cover: Personal Accident plus Third Party Liabilty and Emergency Vet Fee Cover

Waiting Periods

14 days

Age Limits

Rider Only insurance is available for Young riders under 18 years of age, and adult riders aged 18 to 75 years.

Excess

Excess levels vary between £50 and £100 dependent on cover.

Payout Limits

Third Party Liability pay out limit of £1million, variable Death cover benefit and dental treatment options All policies have £1,000 emergency vet cover and adult policies offer £2,000 custodial Liability cover.

Average Rating

1.4
Based on 149 reviews
Policy Type

Adult Rider Cover

Waiting Periods

Various. 

Age Limits

18 years to 75 years. 

Excess

Various. 

Payout Limits

Various options: Benefits include Emergency Vet Fees for Visible Accidental Injury only, Public Liabilty cover, Custodial Liability cover, Saddlery and Tack, Dental Treatment for you following an accident and Personal Accident cover.

Optional extras include Premium Waiver cover, Riding Clothes and Legal Helpline.

Average Rating

1.4
Based on 149 reviews
Policy Type

Young Rider Cover

Waiting Periods

Various.

Age Limits

5 years to 17 years.

Excess

Various.

Payout Limits

Various options: Benefits include Emergency Vet Fees for Visible Accidental Injury only, Public Liability cover, Custodial Liability cover, Saddlery and Tack, Dental Treatment for you following an accident and Personal Accident cover.

Optional extras include Premium Waiver cover, Riding Clothes and Legal Helpline. 

Average Rating

0
Based on 0 reviews
Policy Type

Young Rider Cover

Waiting Periods

n/a

Age Limits

Riders from 5 to 17 years old.

Excess

Various by cover type.

Payout Limits

The Young Rider policy offers £10,000 Personal Accident cover, £2,500 towards Tuition Fees. £1,000 towards Riding Equipment, Custodial Liability and Emergency Veterinary Fees and up to £1,000,000 for Third Party Liability.

Average Rating

0
Based on 0 reviews
Policy Type

Adult Rider Cover

Waiting Periods

n/a

Age Limits

18 to 75 years old.

Excess

Various by cover type.

Payout Limits

The Adult Delux policy provides £10,000 or £20,000 options for Personal Accident cover and £1,500 towards Riding Equipment, Custodial Liability and Emergency Veterinary Fees and up to £3,000,000 for Third Party Liability.

Average Rating

1.7
Based on 314 reviews
Policy Type

Veteran Horse Insurance

Waiting Periods

14 days

Age Limits

Mature Horse insurance covers horses who are 20 or older.

Excess

Various. 

Payout Limits

Per condition accident only vet fee cover of £2,000 for 365 days from onset. Optional Third Party Liabilty cover of £2 million, cover for Death from Injury, Loss or Theft of the horse, Personal Accident and Dental cover, and other options.

Average Rating

1.4
Based on 149 reviews
Policy Type

Veteran Horse Insurance

Waiting Periods

14 days

Age Limits

From 20 years old with no upper age limit.

Excess

Vet Fees £150; Saddlery and Tack £85; Public Liabilty £250

Payout Limits

Death and Loss 100% of sum Insured/Market Value up to £2,000 maximum. Optional extras included £1,500 Accident only Vet fee cover, £7,500 Colic cover and £1.5 million Public Liability.

Average Rating

0
Based on 0 reviews
Policy Type

Veteran Cover for Loss or Death plus Third Party Liability and Personal Accident, optional Vet Fee Cover.

Waiting Periods

Cover for Loss or Death starts immediately. Various Waiting Periods apply for other cover.

Age Limits

Horses aged 17 years and over.

Excess

Third Party Liability excess £250, vet fees excess (injury only) £145.

Payout Limits

Veteran Insurance offers a maximum Sum Insured for loss by Theft or Death of £1,500. £1,000 cover for Vet Fees per condition, £1million, £3million or £5million for Third Party Liability cover, £10,000 or £20,000 for Personal Accident cover and the cost to cover replacement Saddlery & Tack. 

Advertiser Disclosure: 

All information displayed is summarised from the insurer’s sites in November 2018. In order to receive an accurate quotation for the insurance type you are considering you must request your own quotation from each company of interest using your own details and those of your pet. 

All policies are subject to exclusions and conditions. Please consult each insurer’s policy terms and conditions documents for full details. Symphony Digital Ltd cannot be held responsible for any inaccuracies or omissions from the information listed above or elsewhere on this site.    

The Company receives compensation from the third parties included on this site which includes payment for sales generated by users clicking through buttons on this Website to the insurers site and completing a purchase. Payments from Insurers do not influence the order in which they are ranked on our site. 

We display the insurers in the comparison tables using their rank calculated as a “weighted average” calculation which accounts for the time period selected at the top of the page, the ratings of the reviews received during that period of time and the number of reviews received. This ensures insurers with a more statistically valid review score appear ahead of those with only a few reviews. 

We receive payment from advertisers to feature in emails we send to users who have opted in to receive offers from third parties. It is this compensation that enables Company to provide you with services at no cost. We strive to provide a wide array of offers, but our offers do not represent all available pet insurance companies or products.