Insurance for
Eventing Horses
Comprehensive equine insurance designed for event horses competing across dressage, cross-country and show jumping in South Africa.
Protecting Your
Three-Phase Athlete
Eventing is the ultimate test of horse and rider — demanding precision in dressage, bravery across country and athleticism in the show jumping ring. With each phase comes distinct risks that require comprehensive, specialist cover.
Cross-country alone exposes horses to solid fences, varied terrain and sustained exertion at speed. An injury at a one-day event or three-day event can end a season — or a career — in an instant.
Eventing at a Glance
Phases — dressage, cross-country and show jumping — each with unique risk profiles
Of eventing injuries occur on cross-country, the highest-risk phase
South Africa hosts FEI-recognised events requiring appropriate insurance cover
Top event horses in SA are valued at R500,000 and above
Insurance Built for
Eventing Horses
From pre-novice to advanced level, we tailor cover that protects your event horse across all three phases.
All Risk Mortality
Cover for death from illness, disease, accident or injury sustained during any phase of training or competition. The foundation of event horse insurance.
Loss of Use
If your event horse becomes permanently incapable of competing at its intended level due to injury — whether from cross-country, dressage or show jumping — this protects your financial investment.
Accidental External Injury
Veterinary treatment costs for accidental physical injuries sustained during events, training or transport — including cross-country falls and fence strikes.
Tournament & Competition Cover
Extended protection for event horses actively competing on the SA circuit. Covers transport, competition incidents and training between events.
Eventing:
Key Injury Risks
The three-phase nature of eventing means horses face a broader range of risks than any other equestrian discipline.
Cross-Country Injuries
Solid fences, uneven terrain and sustained speed make cross-country the highest-risk phase. Falls, impact injuries and overexertion are common.
Tendon & Ligament Damage
The galloping and jumping demands of eventing place extreme stress on tendons and suspensory ligaments. Injuries here are often career-threatening.
Exhaustion & Metabolic Issues
The endurance demands of cross-country, particularly in South Africa's warmer climates, can lead to exhaustion, dehydration and metabolic complications.
Dressage-Related Strain
Collected and advanced movements place stress on joints, suspensories and the back. Repetitive strain injuries can develop over time.
Pre-Existing Conditions
Previous injuries can affect insurability. We work with event horse owners to find suitable cover that reflects the horse's full history.
Loss of Competition Value
An event horse that can no longer compete across all three phases loses significant value. Loss of Use cover is essential for protecting your investment.
We Understand
Eventing
Our team knows the demands of eventing — from the precision of dressage to the courage required on cross-country. We understand what it takes to bring a horse through all three phases at any level.
We work with event riders to structure policies that reflect the real value and risk profile of their competition horses, ensuring comprehensive protection across every phase.
Learn More About UsCover You Can Trust
Specialist Underwriting
Policies designed specifically for competition horses, not repurposed leisure horse cover.
FSCA Regulated
We are an authorised financial services provider operating under South African insurance regulation.
Fast Claims Process
Dedicated claims support for competition horse owners who need swift resolution.
Nationwide Coverage
Protecting event horses across all 9 provinces of South Africa.
What You'll Need
to Get Covered
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Completed Online Quote
Full disclosure of your horse's competition history, any previous injuries and current veterinary status.
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Veterinary Certificate of Health
Required for horses valued above R100,000 or when specifically requested by our underwriting team.
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Positive Identification
Horses must be positively identified via passport, microchip or brand documentation.
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Current Vaccinations
African Horse Sickness, Equine Influenza and Tetanus vaccinations must be up to date.
Ready to Protect Your
Event Horse?
Get a tailored quote from South Africa's equine insurance specialists. We'll build cover around your horse, your competition schedule and your budget.