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How does Third Party Liability work?
Third party liability is only usually included in your pet insurance policy if you have a dog, although some policies will cover cats too. It means that if your pet causes damage to a third party, whether it involves property, another person or another pet, the pet insurance will cover the costs.
Are hereditary and/or congenital conditions covered by the pet insurance policy?
Hereditary and congenital conditions are covered under the policy providing that you were unaware of your pet's condition at the time you took out the policy
What if I lose my pet by theft or straying?
If you lose your pet by theft or straying, you will need to complete a claim form and send it to your insurance company along with the following original documents:
What cover do I need for my horse?
Before you buy your insurance, make sure you know exactly what areas you want cover on by listing your main areas of concern should you find yourself needing to make a claim.
What if my horse dies under anaesthesia?
Your horse dying under anaesthesia is not a general inclusion in a basic horse insurance policy.

Do I need a special pet insurance policy for a horse?

Horses require a different form of insurance which allows you to protect yourself against the unexpected consequences of owning a horse or pony.

With horse insurance you can:

  • get cover for all types of activity - from hacking to polo, and from beginner to top competition performer
  • get extended personal accident cover which at its highest level, will include dental treatment for the rider and handler

The costs involved with looking after a horse are far and above the costs of a normal pet. A horse can suffer from a wide range of medical complaints, and they are likely to suffer an accident at some point. It is highly recommended that horse owners insure their horses, because the likelihood of having to make a claim is quite high.