Veterinary examinations are required for all horses with a sum insured of $100,000 and over. All other horses are subject to an acceptable Declaration of Health.
Classic Cover
Death or destruction on humane grounds, by accident sickness or disease and limited theft and transit within and including transits between these two countries. Included is Major Medical costs at no additional premium, providing the horse does not have a medical history or pre-existing conditions. The coverage limit is $10,000 with a $1,000 excess in the event of a claim (limited to sum insured and an age limit of 30 days to 15 years applies) as above.
Transit Insurance
Mortality coverage whilst the horse is transiting between countries.
Foetus Insurance
Provides protection for the unborn foetus, cover expires 30 days after birth.
Foals
Foals can be insured from 24 hours of age for an annual period or until the yearling sales
Stallion Infertility Clause Congenital Infertility Care, Custody and Control
In the event your proven stallion becomes permanently infertile from accident, sickness or disease, you will be paid up to 100% of the indemnity due under the mortality policy.
Congenital infertility cover is available for first season stallions
This insurance is essential for anyone who has care, custody or control of another person's horse/s whether they are a commercial operation or not. Studs, thoroughbred trainers, agistment and shuttle stallion farms who are responsible for other people’s horses are among those whole should seriously consider this cover. The policy pays up to the sum insured for the costs you are legally obliged to pay others for damage to horses in you care, custody or control.
This coverage does not apply to horses you own or lease, which typically are covered by a mortality policy. Almost all general liability polices exclude coverage for injury or death to any animal in your care, custody or control. Our CC&C policy will defend and protect you against claims for negligent acts.
To apply for your cover online or to request a quote please click here