Equine Insurance
We know your horse is so much more than an investment. The extra-ordinary upside of investing in a horse is that the asset is a living, breathing thing of beauty. The reality is that these living, breathing assets can get sick, or hurt, or need surgery and, in the worst-case scenario, they can die. The costs of owning and taking care of a horse can be onerous and it makes financial sense to ensure the unforeseen and unplanned expenses are covered.
A horse is an interesting investment to insure as it is both a living animal as well as a possession. It is common to start with a basic Mortality policy, and then customise your insurance package to suit you and your horse’s particular needs. We provide horse insurance cover for stud, competitive, and pleasure riding. We also offer insurance for horses in quarantine overseas, awaiting import into South Africa.
Our partnership with Equipage will ensure that you have comprehensive equine insurance that is structured around your needs, the horse in question, as well as your budget.
Our comprehensive equine insurance will have you covered for:
Mortality Cover
Mortality Cover protects against financial loss due to the untimely death of a horse as a result of an accident, illness, disease or theft, including death while in transit or situations where a registered veterinarian may need to euthanise the horse on humane grounds.
Optional Sasria cover is also available for loss resulting from riots, strikes, civil unrest and related incidents.
Loss of Use Cover
Taken in conjunction with Mortality Cover, this extension provides cover if a horse sustains a permanent proven disability and becomes totally and permanently incapable of fulfilling its purpose, but its condition does not necessitate destruction for humane reasons.
Please note that this cover is only available for horses competing in ridden disciplines and excludes breeding, endurance, polo and polocrosse horses.
Foetus Cover
An extension of the mare’s Mortality Cover, this cover protects against loss of the foetus from confirmation of pregnancy through until the foal is born and reaches 30 days of age.
Cover includes:
Please note that twin or multiple pregnancies are excluded.
Critical Care Cover
Taken in conjunction with Mortality Cover for a minimum sum insured of R20,000, this cover protects against veterinary costs associated with intensive, life-saving treatment and in-hospital procedures where the horse is at risk of death.
Cover includes general anaesthetic procedures and other emergency treatments aimed at saving the horse’s life for up to 15 days while hospitalised.
Public Liability Cover
This cover assists with damages caused by a horse for which the owner becomes legally liable, provided the incident occurs away from the premises where the horse is kept.
Public Liability Cover is also available as a stand-alone policy.
Personal Accident Cover
Provides compensation for bodily injury sustained as a direct result of a horse riding or horse handling accident resulting in death or permanent disability.
This cover must be taken in conjunction with another equine insurance product.
VIP Equine (Veterinary Insurance Policy)
VIP Equine offers cover of up to R150,000 per period of insurance for veterinary expenses incurred as a result of illness or injury, whether treated at home or in hospital.
The policy includes the following sub-limits:
Additional benefits include:
Cover is available as a stand-alone policy and can be taken out from 2 months of age, provided the horse incepts before the age of 19 years.
Please note that waiting periods and exclusions may apply to certain pre-existing conditions, illnesses and treatments.
Tack Cover
Purchasing tack can be a significant additional expense when owning a horse. This cover protects against theft due to forcible and violent entry, as well as accidental damage to equestrian equipment, including helmets.
Please note that wear and tear, insect damage, climatic damage, and mechanical or electrical breakdowns are excluded.
Horsebox Cover
Horsebox Cover provides cover for theft, loss or damage to the horsebox, including accessories and spare parts, as well as damage caused to third parties by the horsebox.
Need more information?
For your convenience we present these downloadable documents with more information about our Equine insurance:
Infographic BrochureContact us today to discuss your Equine insurance needs and to ensure you are adequately covered for any unforeseen event. We look forward to being your equine insurance partner.