Catastrophe Cover – Eligibility
Your Horse’s Age
Our Catastrophe Cover provides vet fee insurance for horses aged from 90 days to 20 years. If your horse does not fit into this bracket, we are able to offer you alternative cover, for more information please call us on 0345 230 2323 or go to our horse insurance page to read more about our vet fee options.
Your Horse’s Value
If you do not wish to insure your horse for mortality please call our office on 0345 230 2323 for a quote.
Your Horse’s Use
This policy is designed to cover Leisure and Competition horses, it does not cover racehorses or horses used for polo.
All horses (and owners!) must be domiciled in the United Kingdom.
Catastrophe Cover – Cover Available
Catastrophe Cover pays 100% of the Veterinary Fees after the excess has been deducted up to a maximum of £7,500 in total during the policy period for:
– Accidental External Injuries Only (AEIO)
– Colic Surgery
– Joint or Tendon Sheath Flushing as a result of Sepsis
– Surgery for Pastern & Pedal Bone Fractures
The insured horse is covered for 15 months from the onset date of an incident.
The excess is £140 or as stated on the Certificate of Insurance, it applies to each incident.
Other cover options include death, theft and straying, loss of use, legal liability, personal accident, saddlery and tack, trailer or horse drawn vehicle cover. Other cover benefits will incur an additional premium.
Catastrophe Cover – Eligibility
If you are purchasing standalone Catastrophe Cover a vetting is not required.
If you would like to take out our Mortality & Theft Cover or Permanent Loss of Use, please refer to the relevant table below.
For all levels of cover you will be required to complete a Proposal Form.
Mortality & Theft Cover only:
| Market Values up to £9,999 | None, unless you have had a pre purchase vetting carried out in which case you will need to send us a copy |
| Market Values £10,000 to £20,000 | Two or five stage vetting* |
Permanent Loss of Use Cover:
| Market Values up to £9,999 | Five stage vetting* |
| Market Values £10,000 – £19,999 | Five stage vetting* plus X-rays. View x-ray requirements |
| Market Values £20,000 and above | Five stage vetting* plus X-rays. View x-ray requirements |
*Any vetting should have been carried out no more than 14 days before the start of the cover. If the vetting falls outside of this period then we would require a new vetting to be carried out in addition to seeing the original vetting.
