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What are the principles of pet insurance?: Pet insurance is designed to take the worry out of owning a pet – ensuring that if your pet falls ill or has an accident, you can take your pet straight to the vet without having to consider potentially expensive vet bills.
What is not covered by my pet insurance policy?: There are a number of situations in which your pet will not be covered by a pet insurance policy.
What is the maximum payout per year?: Every insurance company varies and you will need to refer to one particular insurer to find out their policy on this matter.
What do I do when my pet dies?: You are covered if your pet dies from accident or illness – although you are not covered if your pet dies from old age.
Is my horse too old or too young to insure?: All companies differ with regard to the age of horses and ponies they will insure – so the only way to find out is to speak to each one individually.

What if my horse dies under anaesthesia?

Your horse dying under anaesthesia is not a general inclusion in a basic horse insurance policy.

Be aware that not all insurance companies will pay if your horse dies as a result of an anaesthetic for non-life saving surgery, you may need to have specific Vets Fees insurance to receive compensation for your horse's death during surgery.

To cover yourself against this possibility, check with your insurer to see if it's included, and if not, you will need to pay an additional premium to include cover for death as a result of any surgery carried out under general anaesthesia.