Horse Insurance & Its Importance


Owning horses is unfortunately expensive. Whether you’re involved with horses as a hobbyist or they are crucial to your occupation, you’ll want to make sure you can look after them in times of need. It’s always a good idea to protect your more valuable assets, so getting cover for veterinarian bills, accidental injuries, saddlery, and horse insurance may be essential for protecting your horse and yourself.

If your considering taking out horse insurance cover, asking a veterinarian to examine your horse for any health problems would be a good start. The exact type of cover and benefits will differ between policies, so researching what cover would be right for you and your horse will ensure that you take out a policy that matches your needs. There are general cover options or policies that are specific for riding, breeding and other uses.

There are a number of factors to keep in mind that influence the cost of your horse insurance premium:

  • Horse age
  • Horse gender
  • Horse breed
  • Horse value
  • Type of policy chosen
  • The number of horses insured
  • The cost of gear you insure

The different types of cover available and what they involve are summarized in the table below. Just like all insurance policies, it is essential that you are aware what is included and excluded in your horse insurance cover.

Type of cover Description
Mortality cover Cover for death or euthanasia on humane grounds, resulting from an injury or illness
Theft or straying If your horse is stolen or strays within the insured period and is not recovered within 90 days
Public liability cover Cover for your legal liability in respect of accidental death, bodily injury, illness or disease of any person and loss of or damage to tangible property arising from your ownership and use of the insured horse.
Loss of use Cover in the event of an injury or illness that results in the horse becoming totally and permanently incapable of fulfilling its principle use as stated.
Breeding Cover in the event of injury or illness that renders the Stallion/Colt totally and permanently impotent, infertile or incapable of natural service
Cosmetic Covers permanent scarring following an injury, illness and or cosmetic condition, which renders your horse permanently incapable of fulfilling its principal use, as stated in the schedule because of its appearance.
Saddlery and Tack Covers the loss or damage to your riding equipment.
Horse Trailers/Float Covers the loss or damage caused by fire, theft or accidental damage for horse floats.
Personal accident and dental cover Cover for accidental bodily injury sustained while riding or during control of a horse that leads to death or disablement.

There are a number of companies that offer horse insurance in Australia. The most common are listed below:

Ranvet’s nutritional service is a great way to ensure your horse’s diet is nutritionally balanced to help reduce the risk of preventable diseases and increase the longevity of their career. To complete our online form click here.


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Experts in Equine Nutrition

Every product in the Ranvet range has been developed to meet a horse’s most specific need at any given time, be it in a training environment or on a breeding farm. Having pioneered the formulation of specific medications and dietary supplements for horses, the company is now recognised as a leader in the areas of equine health and nutrition.

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