Hot Topics

What if my pet develops a chronic medical condition while insured?: If your pet develops a chronic condition while insured, then you may be covered, depending on which type of pet insurance policy you have.
If I don't make any claims on my pet insurance policy will I get a discount?: There is no such thing as a no claims discount in pet insurance. This is because having a no claims discount can discourage people from taking their pet to the vet and claiming for necessary treatment just to save money on their premium.
How can I pay my premiums?: You can either pay by monthly direct debit or with an annual one-off payment.
Are alternative medicines covered?: If an alternative remedy is a viable option then you will be covered – although some insurers will only accept token amounts. Alternative medicines are more widely used in equine veterinary practices, in order to support physiotherapy and other long-term treatments.
Are there any time limits on when I can make a claim for the death of my horse?: The general rule is that your insurance company will pay the market value of your horse if it dies or is humanely destroyed within 12 months of the date of first clinical signs of injury or illness.

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.

For most horse owners, the main areas of concern are: death, theft and legal liability. Also, with increasing levels of theft of both tack and trailers and the rising cost of veterinary fees due to advances in veterinary medicine and techniques, it is a good idea to get yourself covered for these costs too.

Choosing an insurance company that will allow you some flexibility in what is and isn't covered by your insurance will give you the best value for money.