Veteran Horse Insurance With Vet's Fees Cover & More!
As your horse canters into their more senior years their needs may change 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. Our veteran horse policies cover all senior steeds aged over 20 years and riders aged between 5 and 75 years old.
Pick & Choose policies make insurance simple - how does it work? It’s simple, all our policies include one Standard Benefit and then you simply choose which other Optional Benefits that you want to add. This means that you don’t have to 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.
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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 Due To External Visible Accidental Injury Only, Theft Or Straying i
(payable every 28 days,
cover renews every 28 days)
- Up to £2,000
(payable annually,
cover renews annually)
- Up to £1,500
- Vet's Fees For External Visible Accidental Injury Only i
- Colic Cover - Death & Vet Fees i
- Transportation & Livery - Referral Vet Only i
- Disposal Costs i
- Saddlery & Tack i
- Public Liability i
- Personal Accident i
- Dental Treatment i
- £1,500 per incident
- Vet Fees: Up to £7,500
Death: Up to £2,000 - £500 per incident
- £300
- £3,000
- £1.5 million
- £22,500
- £2,000
- £1,000 per incident
- Vet Fees: Up to £6,000
Death: Up to £1,500 - £400 per incident
- £200
- £2,500
- £1 million
- £20,000
- £1,750
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 an injury caused by an accident.
The cost of treatment and/or complementary treatment of each injury, illness or condition.
The cost of transportation to and from a 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.
Your legal liability to others for compensation and costs arising out of the ownership or use of your horse.
The cost of paying a professional rescue organisation or the Police for the attempted rescue or recovery of the horse.
Accidental bodily injury sustained whilst riding your horse, and within 12 months is the sole cause of death, total and irrevocable loss of hearing, sight or limbs or total permanent disablement.
Dental treatment following an accidental bodily injury to your mouth and/or teeth whilst riding your horse.
Telephone legal advice concerning your ownership or use of your horse.
Complementary Treatment must be carried out by your vet or a qualified practitioner (who is a member of a recognised association) recommended by your vet.
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 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.
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.
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 pet with us and you will be eligible for an extra 10% discount on your pet insurance, a potential 30% discount on new policies (including 20% Introductory Discount).
£1.12 per Lunar Month is based on a Lunar Monthly policy including introductory discount based on a horse valued £500, over 20 years old.
£4.79 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.
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 vet's fees has been selected, claims for treatment given for an injury or illness are covered for up to 365 days from the onset of the claimed condition or up to the maximum recoverable, whichever is first.
What are the options for vet's fees?
There are three options: you can elect not to include vet's fees on your policy; you can elect vet's fees for external visible accidental injury only; or you can elect the colic cover. The colic cover extends vet's fees to include cover for colic. Colic cover can be elected in addition to the option for vet's fees due to external visible accidental injury only. Colic cover is only available for horses between 20 and 24 years & 364 days old.
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 as a result of riding, leading, handling or caring for your horse and the injury does, within 12 months, result in death, total and irrecoverable loss of hearing, sight or limbs or total permanent disablement.
I have an existing medical condition, will this affect my ability to claim?
You are obliged to inform us of any medical condition that you have which might affect your policy. The insurer will advise you at the time you take out your policy how your condition might affect your cover.
What should I do if anything happens that could result in a third party claim against me?
Most importantly you should not admit any responsibility, agree to pay a claim or negotiate with any other person after any incident. You should contact your insurance company and allow them to take charge of your claim. You must send them any writ, summons or legal documents you receive and allow them to act and reply on your behalf.
What is the excess on the veteran horse policy?
An excess applies to claims under the following sections of cover:
- Vet's Fees: £120
- Saddlery & Tack: £85
- 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 company's agreement before my horse is destroyed?
This depends on the circumstances. Vets follow strict guidelines issued by the British Equine Veterinary Association (BEVA). These guidelines state they should not delay procedures by contacting the insurance company if they feel that the horse should be destroyed on immediate humane grounds. However, if effective treatments can be given, your vet must notify the insurance company that destruction may be necessary.
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 veteran horse?
You can elect to include dental treatment for the rider following a bodily injury to their mouth and/or teeth as a result of riding, leading, handling or caring for your horse.
If you have elected to include either of the vet's fees benefits, this would also cover vet fees for an injury to the mouth/teeth of your horse however the policy does not cover any costs due to tooth or gum disease or wolf teeth.
Does the policy cover physiotherapy for my veteran horse?
Yes, if you have elected to include vet's fees on your policy, this section of cover includes complementary treatment. Complementary treatment of acupuncture, homeopathic or herbal medicines, hydrotherapy, laser treatment, physiotherapy, remedial farriery or ultrasound are included for the treatment of a condition covered by this policy, if 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.
