The right horse Health Insurance and Rider Insurance 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, 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 do you choose the right Horse Insurance for you and your horse?
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, Get personalised quotes from your shortlist and rest assured you’ve done all you can to make the right choice!
We display the insurers below in order of rank (see below for more details as to how we calculate an insurer’s rank). Payments from insurers do not influence the rating or ranking each insurer is given on our site however please note that in the table below, insurers with whom we have a commercial arrangement appear before other insurers regardless of rating or ranking.
Standard Cover usually covers the Death of your horse, Loss or Theft to a value of your choice. Most policies include Third Party Liability cover to protect the owner from liability if the horse is involved in an accident and people or horses are hurt, or property is damaged. It is also possible to add accident only, or accident and illness vet fee cover and personal injury cover to many policies.
Average Rating
Ranked
Standard Time Limited Horse Insurance plus Third Party Liability Cover.
2 days for accidents and 14 days for illness
Cover from 12 months to 40 years of age.
Excess options of £199, £249 and £499 paid once per condition.
Vet fees limit options of £3,000, £5,000 and £7,000 per condition for a year from the first occurrence. Third Party Liability cover of £2million.
Average Rating
Ranked
Standard Horse Insurance
14 days
From 31 days to 20 years of age.
Vets fees £150; Saddlery and Tack £85; Public Liabilty £250
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
Ranked
Basic Policy covering Loss, Theft or Death
14 days
30 days of age to 25 years if covered before they are 20 years old.
N/A
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
Ranked
Basic Cover plus Vet Fee Cover, Personal Accident cover, and Third Party Liability Cover
Injuries are covered immediately, Illness cover starts 14 days after policy inception.
30 days of age to 25 years if covered before they are 20 years old.
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.
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.
Rider-Only policy offering protection for people who ride horses for other owners. Typically, the policy covers Personal Accident, Disability or Death, Third Party Liability and Custodial Liability cover. Some policies include Emergency Vet Fee cover. Cover is available for riders from 5 years to 75 years of age.
Average Rating
Ranked
Adult Rider Cover
Various.
18 years to 75 years.
Various.
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
Ranked
Young Rider Cover
Various.
5 years to 17 years.
Various.
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
Ranked
Young Rider Cover
n/a
Riders from 5 to 17 years old.
Various by cover type.
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
Ranked
Adult Rider Cover
n/a
18 to 75 years old.
Various by cover type.
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.
Veteran Horse Insurance is usually a basic horse insurance policy that covers the Death, Loss or Theft of your horse up to an agreed value from around 20 years of age. Some policies allow you to include some cover for Vet Fees for injuries and Third Party Liability cover.
Average Rating
Ranked
Standard Time Limited Horse Insurance
2 days for accidents and 14 days for illness
The Standard Time Limited Horse Insurance covers horses up to 40 years of age.
Excess options of £199, £249 and £499 paid once per condition.
Vet fees condition limit options of £3,000, £5,000 and £7,000 per condition for a year from the first occurrence.
Average Rating
Ranked
Veteran Horse Insurance
14 days
From 20 years old with no upper age limit.
Vet Fees £150; Saddlery and Tack £85; Public Liabilty £250
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
Ranked
Veteran Cover for Loss or Death plus Third Party Liability and Personal Accident, optional Vet Fee Cover.
Cover for Loss or Death starts immediately. Various Waiting Periods apply for other cover.
Horses aged 17 years and over.
Third Party Liability excess £250, vet fees excess (injury only) £145.
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 (Partner Insurers) 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.
We display the insurers in the comparison tables in order of their Ranking score with those from whom we receive payments (Partner Insurer) appearing above those with whom we have no relationship. Each insurers Rank is calculated using a “weighted average” calculation which accounts for the overall rating out of 5 given in each review received for that insurer and the number of reviews for that insurer as a proportion of all 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 and the payment for each policy bought from our partner insurers 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.