Pet Insurance For Horses – Your horse or pony can be covered with a variety of policy options packed with added benefits to suit your needs.
Petcover offers Australian horse and pony insurance with its insurance partners. Optional extras include vet fee coverage and third party liability, ensuring you and your horse are taken care of.
Pet Insurance For Horses
There are four types of coverage to choose from: Basic, Senior Plan A, Senior Plan B and Horse Liability. The comparison chart below details the key differences to help you choose the right option for you and your horse.
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Life umbrella is not included in Horse policies. Policies are valid for 12 months from the effective date and for any period you renew, unless you cancel earlier.
If the price you paid for your horse (or the sum insured, whichever is less) dies as a result of an accident or illness.
Horse insurance cover for the price you paid for your horse (or the sum insured, whichever is less) in the event of theft or theft.
Horse insurance cover is the cost of veterinary treatment your horse has received to treat injuries and illnesses during the policy year.
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Cover for any damage or injury you are legally liable for as a result of your horse.
Optional extras Veterinary costs insurance cover Equine insurance cover for the cost of veterinary treatment your horse has received during the policy year to treat injuries and illnesses. Premium Vet Fee Coverage: $10,000 (up to $250) or Economy Vet Fee Coverage: up to $7,000 (up to $1000) Burial and Disposal If your horse dies, we will pay the cost of removing and disposing of your horse. body. $300 (no excess) Permanent Loss of Use Coverage If an injury or illness permanently prevents your horse from participating in an insured activity, we will pay a percentage of your horse’s market value (or the insured amount, whichever is less). Up to 60% of Sum Insured or 100% of Market Value (whichever is less) $250 Excess Horse Carriage and Horse-Drawn Vehicles Coverage for your horse-drawn carriage or horse-drawn vehicle. If your carriage or horse-drawn vehicle is destroyed, stolen or damaged, coverage will be repaired or replaced up to the sum insured or market value, whichever is lower. Sum Insured or Market Value (whichever is less) $250 Excess Sum Insured or Market Value (whichever is less) $250 Excess Sum Insured or Market Value (whichever is less) $250 Excess Stowage and Cleats Coverage for damage to your cargo and cleats we pay the cost of the repair. If the repair costs are more than the item is worth, or if the item is stolen or destroyed, we will pay the cost of replacing it as new. Amount Insured or Replacement Value (whichever is less) $250 remaining Amount Insured or Replacement Value (whichever is less) $250 remaining Amount Insured or Replacement Value (whichever is less) $250 remaining
Terms, conditions and excesses apply and may change upon renewal. Coverage is subject to eligibility criteria, policy limits and exclusions may apply. Please consider the wording of the policy before making a decision to purchase the product.
Flexible cover for your horse or pony – there’s horse insurance for everyone. Get a quote today and see if you can save.
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See the combined horse insurance Financial Services Guide (FSG) and Product Disclosure Statement (PDS) for full terms and conditions.
For more information, see our FAQ. If you would like to view the previous policy writing documents please call 1300 731 324.
We understand how stressful it can be when your pet becomes ill or injured, which is why we want to resolve your claim as quickly as possible.Posted by Heather Smith Thomas | August 11, 2017 | Article, Farm and Stable, Horse Care, Horse Industry News, Insurance
What would you do if the horse in your stable went into colic, seriously injured itself, or worse, had to be euthanized? You’d be emotionally devastated, and you’d also be saddled with a pile of vet bills. Talk about adding insult to injury.
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This is where horse insurance comes in to help cover these costs. But when choosing a plan for your horse, where do you start?
The types of insurance available to horse owners include: mortality (similar to life insurance), general medical, loss of use, and liability (to protect you legally if your horse hurts someone). Some liability policies protect you from a lawsuit if someone is injured on your property.
Shannon O’Dell, owner and competitor of American Paint Horses, has worked in the insurance industry for over 20 years and founded First Choice Insurance in 2009 in Spokane, Washington. He says the most common policies horse owners buy are equine mortality and medical insurance, although he sells everything from ranch liability to regular home and auto coverage.
Horsewoman Holly J. Lopes, who founded Cheval Insurance Services in Fullerton, Calif., founded her company in 1992 to help clients determine their risk of loss and devise programs that reduce or transfer as much risk as possible. His agency offers a variety of policies and coverages, including liability, equine mortality, farm and ranch liability, workers’ compensation, personal horse owner liability, and horse club and organization liability.
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In this article we will look at the most common questions that horse insurance professionals ask horse owners.
When you ask an insurance company for a quote, you want to know two things about that company, says Lopes: Their A.M. Best rated and whether they are allowed in your state.
A.M. Best is a national service that rates insurance companies on their financial strength and soundness. “Ratings are below A++ and may be followed by a number (such as XV or 15),” he says. “The number represents the (financial) size of the company. To find a rating for an insurance company, go to ambest.com. Look for companies with an A- (superior) rating or better.’
An insurance company is “approved” to do business in your state after the State Department of Insurance reviews its books and submits insurance rates. Why is it important? “If there was a problem with the insurance company, you would have recourse through the Department of Insurance,” says Lopes. “Not so with an unapproved company.”
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Find out if a particular insurance company is accepted by asking your agent or your state’s Department of Insurance by phone or online. For example, “On the California Department of Insurance website, any company you search for will be approved, along with information about it, but the unapproved ones won’t show up,” says Lopes.
Sometimes, however, your only option is to place coverage with an unapproved company. “An approved company may not provide coverage (for example, for disciplines or activities that are difficult to insure, such as vaulting or rodeo) or a non-approved company may have a unique aspect of its program that is different than an approved carrier, and you must have that difference in order to operate. “says Lopes. “An agent, however, is prohibited from trading your coverage with an unapproved company for price only when an approved company is available that will provide exactly the same coverage. If you are placing your insurance with a non-approved carrier, check that company’s A.M. Best rated If it’s an A or better, especially if the size number is VII or better, you’re probably on good ground. Your agent should be able to explain why they are recommending an unapproved company at the time your quote is issued.
If you’re buying a valuable horse, you generally want mortality insurance, especially if you’re paying for the horse. For mortality insurance, you cannot choose a figure for the amount of coverage you want. Value is established in a number of ways, says O’Dell.
“We can insure any horse, from a pasture pet to a fancy show horse, but valuation is a tough question unless it’s a horse you just bought; the purchase price would be the value,” he explained. “This can be disappointing, however, because in today’s market people can buy very good horses at low prices. Even if you think your horse is worth more, it doesn’t matter because the value is the amount of that check you wrote. However, you can increase the horse’s value through training, showing, etc. If it’s a bred horse or one you bought five years ago, we need to fill out additional forms to show the underwriter why your horse is worth it. demand”.
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For example, if you bought a horse for $2,000 and trained it for a year, winning at open shows and placing at thoroughbred shows, you may be able to set a higher value for that horse. “You have to prove or justify the value you’re representing to the horse you’re working with,” she explains through horse show records and training invoices.
The value of your horse can also affect the amount of coverage it gets. For example, says O’Dell, “I have a carrier
