Owning a horse, whether a beloved first pony or a top-level eventer, comes with immense joy and responsibility. Ensuring their safety and well-being is paramount, and that’s where Horse insurance becomes essential.
At KBIS, we understand when it comes to Horse insurance that the number of options and providers available can feel overwhelming. Finding the right policy for your horse becomes a careful balance of considering the level of cover, the excess, and the amount you are comfortable paying.
When horse owners ask for a simplified policy that covers their biggest concerns, we hear them, which is where Catastrophe Cover stands out for many horse owners. But is it the right choice for your horse? Let’s explore what Catastrophe Cover entails and how to determine if it’s suitable for your equine companion.
Who is Catastrophe Cover suited to?
Catastrophe Cover is designed specifically for horse owners who would like insurance for some of the more expensive treatments, without the premium of comprehensive insurance cover.
As a stand-alone Vet Fee policy, there is no requirement to add any additional cover types that you may not need or want. And the best part? Whatever level you and your horse are working and competing at, the cost of these Vet Fees remains the same.
If you are looking for extra protection, you can choose to add Mortality, Public Liability, Personal Accident, Tack and Trailer for an additional premium, all on one simple policy.
Understanding Catastrophe Cover
Catastrophe Cover is designed to provide financial protection against major, unexpected events that can cause significant injury or illness to your horse. This type of insurance covers up to £7,500 in the year for:
- Accidental external injuries involving an opening wound
- Colic surgery (surgery costs only)
- Joint and tendon sheath flushing as a result of sepsis
- Pastern and pedal bone fracture surgery
With this coverage, you can ensure that your horse receives the best possible care without the added stress of substantial financial burden.
Benefits of Catastrophe Cover
Stand-alone Vet Fee insurance: Just looking for Vet Fee cover for your horse? Choose Catastrophe Cover and there is no need to pay for any unwanted extras.
Cover from day one: No need to wait for the insurance to come into place, it is there for you to rely on as soon as your policy is taken out.
Less than £500 a year: Whether your horse is a youngster in the field, or they are working at Grand Prix level, Catastrophe Cover is available for less than £500 a year.
Financial protection: Provides financial support to cover certain significant veterinary bills, ensuring your horse receives the best possible care and the highest chance of recovery.
Expert support: Access to a team of knowledgeable and experienced fellow horse owners and insurance specialists who are dedicated to helping you navigate any queries and providing an efficient claims process.
Real-life testimonial
International Event Rider and KBIS policyholder, Tom Rowland, recently shared his experience with our Catastrophe Cover:
Tom’s story highlights the invaluable support this coverage can offer during challenging times.
Making a decision
Choosing the right insurance policy for your horse is a personal decision that depends on various factors unique to you and your horse’s situation. At KBIS, we’re committed to helping you make an informed choice. Our team of experts is here to answer your questions and guide you through the process, ensuring you find the best coverage suited to your horse’s needs and your budget.
Next steps
If you have decided Catastrophe Cover is the way forward for your horse, take out cover today.
If you are still unsure, contact us and discuss your needs specifically with one of our insurance experts.