Horse Insurance
Complete equine insurance protection for South African horse owners. From mortality cover to veterinary expenses, public liability and more — we protect what matters most.
Protecting Your
Equine Partner
Your horse is more than an animal — it's a partner, an athlete and a significant financial investment. Without proper insurance, an unexpected illness, injury or accident could leave you facing devastating veterinary bills or the total loss of your horse's value.
South African horse owners face unique risks including African Horse Sickness, transport accidents across long distances, and the high cost of specialist veterinary care. Comprehensive horse insurance gives you peace of mind to enjoy your partnership without financial worry.
Horse Insurance at a Glance
Of horse insurance claims are for mortality, veterinary expenses or public liability
Cover available for horses valued at over R1 million
Provinces covered — nationwide protection across South Africa
Claims support and veterinary emergency assistance
Comprehensive Cover
for Your Horse
Choose from our range of horse insurance options designed specifically for South African horse owners and their unique needs.
All Risk Mortality
Cover for death resulting from illness, disease, accident or injury. The foundation of any horse insurance policy providing peace of mind against the unexpected.
Loss of Use
Financial protection if your horse becomes permanently incapable of fulfilling its intended purpose due to injury or illness. Essential for competition and working horses.
Veterinary Expenses
Cover for the cost of veterinary treatment following accidental injury or illness. Helps manage the high cost of specialist equine veterinary care in South Africa.
Public Liability
Protection against claims for third-party injury or property damage caused by your horse. Covers legal costs and compensation awards up to the policy limit.
Key Risks Your
Horse Faces
Horses face a variety of risks in their daily lives. Understanding these helps you choose the right level of cover for your circumstances.
Theft & Straying
Horses can be stolen or wander off through damaged fencing. Theft cover provides financial compensation and helps fund recovery efforts if your horse goes missing.
Personal Accident
Riding accidents can result in serious injury to the owner or rider. Personal accident cover provides a lump sum benefit for specified injuries sustained while riding or handling your horse.
Transport Accidents
Road transport is one of the highest-risk activities for horses. Injuries sustained during loading, travel or unloading can require immediate and costly veterinary treatment.
Trailer Cover
Your horse trailer represents a significant investment. Trailer cover protects against damage, theft or accident while towing your horses between venues and events.
African Horse Sickness
A potentially fatal viral disease transmitted by midges, endemic to parts of South Africa. Mortality cover ensures you're protected against this devastating disease.
Loss of Value
An injury or illness that permanently affects your horse's ability to perform can dramatically reduce its market value. Loss of use cover protects this financial investment.
South Africa's
Equine Insurance Specialists
At equisure, we focus exclusively on equine insurance. Our specialist knowledge means we understand the real risks horses face and build policies that provide meaningful protection for South African horse owners.
We pride ourselves on clear communication, fast claims handling and policies that are written in plain language. No hidden exclusions, no surprises when you need to claim.
Learn More About UsWhy Choose equisure
Specialist Focus
We insure horses — nothing else. Our expertise means better cover for your equine partner.
FSCA Regulated
We are an authorised financial services provider operating under South African insurance regulation.
Fast Claims Process
Dedicated claims support to ensure swift resolution when you need it most.
Nationwide Coverage
Protecting 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 history, any previous injuries or illnesses, 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
Horse Today?
Get a tailored quote from South Africa's equine insurance specialists. We'll build cover around your horse, your activities and your budget.