Equestrian

Elementary Cover: 30 days – 16 years

• Death or destruction on humane grounds from any accident sickness or disease, limited theft.
• Also: $3,500 of Colic Surgery with no additional premium. (A $500 excess applies)
• Any horse that has had colic symptoms prior to inception date will not be covered for any losses associated with colic.
• Transits within and between New Zealand and Australia.

Advanced Cover: Ages 6 months - 16 years

• Death or destruction on humane grounds from any accident sickness or disease, limited theft.
• Also: $5,000 (to a maximum of the sum insured) of reasonable medical and surgical charges necessitated by accident, injury or illness. (A $500 excess applies)
• Transits within and between New Zealand and Australia.

Grand Prix Cover: Ages 4 – 16 years

• Death or destruction on humane grounds from any accident sickness or disease.
• Also: veterinary fee costs up to $10,000 (to a maximum of the sum insured) with a $1,000 excess,
• Plus Permanent Loss of Use by Accident ONLY. Settlement based on 50% if you elect to keep the horse in retirement or 75% of the sum insured should the horse be put down.
• Transits within and between New Zealand and Australia.

Superior Cover: Ages 4 -16 years

• Death or destruction on humane grounds from any accident sickness or disease.
• Also: veterinary fee costs up to $10,000 (to a maximum of the sum insured) with a $1,000 excess,
• Plus Permanent Loss of Use by Accident, illness or disease. Settlement based on 50% if you elect to keep the horse in retirement or 75% of the sum insured should the horse be put down.
• Transits within and between New Zealand and Australia.

Foals

• Foals can be insured from 24 hours of age for an annual period.
• Transits within and between New Zealand and Australia.

Transit Cover

• Mortality coverage whilst the horse is transiting between countries.

Stallion Infertility Clause

• In the event your proven stallion becomes permanently infertile from accident, sickness or disease, you will be paid 100% of the indemnity due under the mortaility policy.

Veterinary Certificate Requirements

• Any horse that has received veterinary treatment in the past 12 months.
• Stage 1 & 2 Vet Certificates for horses valued at $50,000 and above.
• Stage 5 Vet Certificate including x-rays for any horse requiring the superior cover.
• Horses under 30 days and 15 years and over.