Equine Insurance Cover
Purpose-built insurance solutions for every type of horse and every kind of owner across South Africa.
Policy conditions apply to all cover types. All horses must be in good health, correctly identified and vaccinations must be current at the time of cover. A Veterinary Certificate of Health is required for horses valued above R100,000.
Main Cover Types
All Risk Mortality
The cornerstone of equine insurance. Provides comprehensive cover for the death of your horse arising from illness, disease, accident or injury.
- ✓ Death from illness or disease
- ✓ Accidental death
- ✓ Humane destruction on veterinary recommendation
Loss of Use
Provides financial protection if your horse suffers a permanent physical disability that renders it incapable of performing the intended purpose for which it was insured.
- ✓ Permanent incapacitation
- ✓ Inability to fulfil purpose
- ✓ Applies to competition and breeding horses
Accidental External Injury
Standalone coverage specifically for accidental physical injuries. Provides financial support for treatment of injuries sustained accidentally.
- ✓ Accidental physical injury cover
- ✓ Veterinary treatment costs
- ✓ Available as standalone or add-on
Commercial Equine Cover
Specialist solutions for equestrian businesses operating in the South African market.
Riding Schools & Equestrian Centres
Tailor-made insurance solutions for businesses that operate horses as part of their commercial activities.
Stud Farm Insurance
Purpose-built protection for breeders. Covering stallions, broodmares, foals and the unique risks associated with breeding and stud operations.
Tournament & Competition Cover
Comprehensive cover for horses actively competing in polo, poloCrosse, show jumping, dressage and other formal competitive equestrian disciplines.
What You'll Need
To obtain and maintain your equine insurance policy, the following documentation and conditions apply.
- ✓
Completed Online Quote
A fully completed and accurate proposal form is required to underwrite any equine insurance policy.
- ✓
Veterinary Certificate of Health
Required for horses valued above R100,000, or when specifically requested by the insurer.
- ✓
Positive Identification
Horses must be positively identified via a passport description or microchip identification.
- ✓
Vaccination Records
Up-to-date passport records confirming current vaccinations for African Horse Sickness, Equine Influenza and Tetanus.
Ongoing Policy
Requirements
Horses must receive proper care and attention at all times whilst insured.
Ill or injured horses must receive appropriate veterinary treatment without delay.
African Horse Sickness vaccinations must be current at all times.
Equine Influenza vaccinations must be current at all times.
Tetanus vaccinations must be current at all times.
Vaccination batch and lot numbers may be required during claims assessment.
A post-mortem examination is required in the event of the death of an insured horse.
Ready to Get Covered?
Our specialist team will build a policy that fits your horse, your discipline and your budget.
Request a Quote