What can a horse insurance policy actually cover. We've looked through several and produced a list of the "perils", insurance jargon, that these policies may or may not cover depending upon the type you are applying for.
If your horse or your horse riding activities result in injury to someone else or to somebody else's property. This is vital cover. If your horse should seriously injure someone else then they could sue you for millions in damages in a legal claim against you.
To provide compensation if your horse dies from a fatal injury. This will require a veterinary examination of the horse before the policy is issued. It usually only covers death from accidents not from prolonged diseases or old age.
If the horse suffers from any disease, infection or non fatal injury it will require veterinary treatment to recover. This can cost a lot depending upon the circumstances. It will require a veterinary certificate to prove the horse is healthy before the policy is issued.
This is to cover the rider in case of injury during a fall from a horse or any injuries sustained caused by the action of the horse. It will also include death cover of the rider in a fatal incident.
To cover the theft or accidental damage to horse tack such as saddles, briddles, blankets etc.
This is when you use a horse at a horse riding school or holiday ranch and the horse is out of use for an extended period of time thuse resulting in a loss of income.
A bit like motor insurance but for a horse trailer should it be lost, damaged, destroyed by accident.
