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Which animals can be covered?: You can cover dogs, cats and horses with the pet insurance policies offered through this website.
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.
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 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.
Do I need to get the insurance company's agreement before my horse is destroyed?: There are some very strict guidelines that all vets have been issued by their governing body, the British Equine Veterinary Association and a statement issued by BEVA in July 1996, with regard to the destruction of horses.

What is the difference between Market Value, Sum Insured and Purchase Price?

Understanding this terminology will make it easier for you when insuring your horse and also when making a claim:

Market Value is the price that is currently paid for a horse of the same age, breed, bloodline, sex and ability.

Sum Insured is the amount that you agree with the insurer to insure your horse for. This will usually be the price you bought your horse for, but you can insure for less to save on premiums.

Purchase Price is what you actually paid for your horse.

If you need to make a claim for death, theft or loss of use, an insurer will always pay the lower amount of the sum insured or market value.