Veteran Horse Insurance With Vet's Fees Cover & More!
As your horse canters into their senior years their needs may change just as ours do, and our Pick ‘n’ Mix veteran horse insurance policies mean that you can take the reins to create the policy that is right for you and your veteran horse.
Our veteran horse insurance policies cover all senior steeds from their 20th birthday. If you have a younger horse, then you're looking for our horse insurance policies. Even if you don’t own a horse, but just love to ride other people’s, we also offer horse rider insurance for riders aged between 5 and 75 years of age with our horse rider insurance.
Pick ‘n’ Mix policies make insurance simple, but how does it work? Simply put, you have one Standard Benefit and then all you do is choose which Optional Benefits you want to add. This means that you don’t pay for cover you don’t need!
What Standard Benefits are Included?
The only Standard Benefit for veteran horse insurance policies is for Death due to External Visible Accidental Injury Only, Theft or Straying.
What Additional Optional Benefits Can I Add?
Whether you want to create a more comprehensive policy or require a budget friendly policy, our range of Optional Benefits has been designed to help you create the best veteran horse insurance to meet the needs of both your older horse and you.
You can personalise your veteran horse insurance policy with the following Optional Benefits:
- Vet's Fees for External Visible Accidental Injury Only
- Colic Cover (Death & Vet's Fees)*
- Livery & Transportation
- Disposal Costs
- Dental Treatment for you
- Saddlery & Tack
- Public Liability
- Personal Accident
* For horses aged up to 24 years and 364 days
For further details simply read on or get a free no-strings quote and find out if you could be better off insuring your senior horse with The Insurance Emporium.
Award winning insurance!
Defaqto 5 Stars on selected products
Our Range of Cover
Check out our easy-to-read Table of Benefits below to see which level of cover will give you the protection you need.
Standard Benefits
- Death, Theft Or Straying i
(payable every 28 days,
cover renews every 28 days)
- £2,000
(payable annually,
cover renews annually)
- £1,500
- Vet's Fees i
- Colic - Death & Vet's Fees i
- Referral Vet Transportation & Livery i
- Disposal Costs i
- Saddlery & Tack i
- Public Liability (Standard) i
- Personal Accident i
- Dental Treatment i
- £3,000 per incident
- Vet Fees: £7,500
Death: £3,500 - £700
- £400
- £3,500
- £3 million
- £27,500
- £2,500
- £2,500 per incident
- Vet Fees: £6,000
Death: £3,000 - £600
- £300
- £3,000
- £2.5 million
- £25,000
- £2,250
The horse is stolen, strays, or dies.
The cost of treatment following an external accidental visible injury.
The cost of treatment where the horse suffers a veterinary incident.
Transportation and livery costs whilst the horse is treated by a referral vet.
Geographically extends cover in Sections 1, 2, 3, 4 and 9 (if chosen) to the continent of Europe.
The cost of removal and disposal of the horse’s body following its death.
The cost of hiring another horse from a livery or riding establishment if the horse is not found within 28 days of straying or being stolen from the stabling address.
Stolen or accidentally damaged saddlery & tack.
The horse is completely or partially permanently incapacitated.
Your legal liability to others for compensation and costs caused by an incident involving the horse.
The cost of paying a professional rescue organisation or the Police for the attempted rescue or recovery of the horse.
Death, total permanent disablement, loss of hearing, sight or limbs as a result of a bodily injury sustained whilst riding, handling, caring for, or interacting with the horse.
Dental treatment following an injury to your mouth and/or teeth as a result of your riding, handling, caring for, or interacting with the horse.
Telephone legal advice concerning your ownership or use of your horse.
The cost of complementary therapy where the horse suffers a veterinary incident (inner limit).
The horse requires immediate euthanasia.
The horse requires euthanasia.
The horse dies or is found dead.
The horse is stolen, or strays, and is not returned within 90 days.
The horse is completely or partially permanently incapacitated.
The horse dies or is put to sleep on immediate humane grounds or is not found within 28 days of straying or being stolen from the stabling address.
The cost of treatment and/or complementary treatment of each external visible accidental injury.
The cost of treatment and/or complementary treatment of each injury, illness or condition.
The cost of transportation to and from and livery whilst the horse remains at the referral vets.
Geographically extends cover in Sections 1, 2, 3, 4 and 9 (if chosen) to the continent of Europe.
The cost of removal and disposal of the horse’s body if the horse dies or is put to sleep by a vet on immediate humane grounds
The cost of hiring another horse from a livery or riding establishment if the horse is not found within 28 days of straying or being stolen from the stabling address.
Where your saddlery and tack is stolen or accidentally damaged whilst you are taking part in or preparing for an activity encompassed within your specified type of use.
Unable to perform any equestrian activity; sum insured or market value (if less) if destroyed / 60% if retired.
Unable to perform type of use; 60% sum insured or market value (if less) if retired or bred from.
Benefits halved for horses 13+.
Your legal liability to others for compensation and costs arising out of the ownership or use of the horse.
The cost of paying a professional rescue organisation or the Police for the attempted rescue or recovery of the horse.
Death, total permanent disablement, loss of hearing, sight or limbs as a result of a bodily injury sustained whilst riding, leading, handling or caring for the horse.
Dental treatment following an accidental bodily injury to your mouth and/or teeth as a result of your riding, leading, handling or caring for the horse.
Telephone legal advice concerning your ownership or use of your horse.
The horse dies or is euthanised by a vet following an external accidental visible injury or is stolen, or strays, and is not returned within 90 days.
The horse dies or is euthanised by a vet following colic / treatment of colic.
Geographically extends cover in Sections 1, 2, 3 and 4 (if chosen) to the continent of Europe.
The horse dies or is put to sleep on immediate humane grounds or is not found within 28 days of straying or being stolen from the stabling address.
Death - if the horse dies or is put to sleep on immediate humane grounds as a result of colic and Vet’s Fees- the cost of treatment and/or complementary treatment of colic for horses aged up to 24 years and 364 days.
Geographically extends cover in Sections 1, 2, 3 and 4 (if chosen) to the continent of Europe.
- Policy Wording
- Lunar Product Information
- Annual Product Information
- Saddlery & Tack Security Requirements
Why Insure Your Horse With Us
Read The Not Small Print
We dislike jargon and we like to be upfront and clear with customers, but occasionally there are words that we need to use so we've put them in this helpful box of not small print!
The 20% Introductory Discount is available from the start of the policy until its first review/renewal date.
Insure more than one horse with us and you will be eligible for an extra 10% discount on each of your horse insurance policies. The multi-horse discount is either applied at inception of any new horse policies or at renewal of existing horse policies.
£1.18 per Lunar Month is based on a Lunar Monthly policy including introductory discount based on a horse valued £500, over 20 years old.
£5.03 per Lunar Month is based on a Lunar Monthly policy for a horse valued at £2,000, over 20 years old.
A Lunar Monthly policy runs in periods of 28 days. This type of policy renews each 28 days upon receipt of appropriate premium.
What does veteran horse insurance excess mean?
An excess is the part you pay towards a claim.
How does veteran horse insurance excess work?
With our veteran horse insurance policies, there’s no excess to pay on our Standard Benefit but there are four
Optional Benefits where you need to pay an excess:
- Vet’s Fees
- Colic - Death & Vet's Fees
- Saddlery & Tack
- Public Liability (Standard)
For example, if your veteran horse requires emergency vet treatment, we will deduct the fixed vet fees excess off the money we pay you.
There is no excess payable for claims under the following Optional Benefits:
- Referral Vet Transportation & Livery
- Disposal Costs
- Personal Accident
- Dental Treatment
You can claim vet’s fees for 365 days from when the accident happened, or your horse first became ill with colic; you only pay the fixed vet’s fees excess once even if your horse needs further treatment during the 365 days.
If you have a veteran horse insurance policy with us, you can view your excess amounts within your Policy Schedule.
How do I redeem my promo code discount?
Enter the promo code at checkout or let our team know over the phone and the discount will be applied to the final premium.
Is my veteran horse too old to insure?
No, if your veteran horse is older than 20 years you can get cover under our Veteran Horse policy. There is no upper age limit.
Are there any age limits for the rider of the veteran horse?
Any rider of the veteran horse must be between 5 & 75 years old.
What is the maximum value that you insure a veteran horse?
A horse can be insured for up to £2,000.
How long can I claim vet's fees for?
If you choose to add Vet’s Fees, it covers both veterinary treatment and/or complementary therapy for up to 365 days after the horse sustained an external accidental visible injury.
If you choose to add Colic – death & vet’s fees, it covers both veterinary treatment and/or complementary therapy but there is no time limit on how long can be taken to reach the maximum amount of cover.
What are the options for vet's fees?
You don’t have to choose cover for any vet’s fees, but if you do want vet’s fees cover, we have the choice of external accidental visible injury or colic – you can choose either or choose both.
And if you choose to cover vet’s fees for colic it also includes the death of your horse or their emergency euthanasia due to colic.
Does your policy cover if my veteran horse is ridden by someone else?
Cover is provided for anyone with your permission aged 5 to 75 years riding, leading, handling or caring for your horse. Public Liability cover excludes death or bodily injury, loss or damage to any property owned by you, any person handling your horse with your permission or consent, any person that lives with you, any member of your family, your agent or licensee, any person in the course of their employment or under a contract of service or apprenticeship with you, guest, employer or any person with whom you have a contractual or business relationship.
What does Personal Accident mean?
You sustain an accidental bodily injury whilst riding, handling, caring for, or interacting with the horse that results in your death, loss of hearing, limbs, or sight, or renders you totally permanently disabled for a consecutive period of 365 days.
Do I need to tell you if I have an existing medical condition?
Yes. You must tell us about any medical conditions you have because it may affect the terms upon which you can obtain insurance or any claims you may need to make.
What should I do if anything happens that could result in a third-party claim against me?
Firstly, don’t panic! We are here to help. Call the Public Liability claims team on 03300 243 364 to let them know what has happened. They will send you an Incident Report Form to complete and talk you through what happens now. It is important that you don’t admit responsibility, pay a claim, or negotiate with anyone.
What is the excess on the veteran horse policy?
An excess applies to claims under the following sections of cover:
- Vet's Fees: £145
- Saddlery & Tack: £100
- Public Liability: £250
How do I protect my saddlery and tack from theft or damage?
When not in use, please click here for our security requirements for saddlery and tack.
Will you want to see the horse's body in the event of my veteran horse's death?
No, however, you must arrange and pay for a vet to certify the cause of death. The vet must make a post-mortem examination at your expense if the cause of death is unknown.
Do I need to get your agreement before my horse is euthanised?
This really depends on whether the need to euthanise your horse is an emergency or not.
If your horse has sustained an external accidental visible injury, or has colic, that is so severe euthanasia is required to relieve their incurable and excessive pain and suffering, then you don’t need our permission before the vet performs the euthanasia.
However, we do have conditions that you must follow, which are set out in Sections 1A – Emergency Euthanasia and Section 3 – Colic – Death & Vet’s Fees of the Policy Wording.
What do I have to do if my veteran horse or my saddlery and tack is missing?
You must tell the police immediately upon discovery that your veteran horse or your saddlery and tack has been stolen or is missing and obtain a crime reference number. Once this has been done the crime reference number and details need passing to us as the insurance company. You must do everything you reasonably can to recover your veteran horse or your saddlery and tack.
Am I covered for competing with my veteran horse?
Yes, the policy allows you to compete - ensure that you check the type of use activities when going through the quotation.
Is the dental treatment for me or my horse?
Section 9 – Dental Treatment is for your teeth; Section 2 – Vet’s Fees is for your horse’s teeth (but doesn’t cover the removal of wolf teeth).
Does the policy cover physiotherapy for my veteran horse?
Firstly, you need to have chosen cover for your horse’s vet’s fees – either from an external accidental visible injury, or from colic.
If you have, we consider physiotherapy a complementary therapy alongside acupuncture, homeopathic or herbal medicines, hydrotherapy, laser treatment, remedial farriery, shockwave, and ultrasound therapies.
It must be carried out either by your vet, or a qualified practitioner (who is a member of a recognised association) recommended by your vet.
Enter the promo code at checkout or let our team know over the phone and the discount will be applied to the final premium. Promo code discount is available from the start of the policy until its first review/renewal date.
