Insurance for
Racehorses
Comprehensive equine insurance for thoroughbred racehorses, trainers and owners across South Africa's racing industry.
Protecting Your
Racing Investment
Racehorses represent some of the most significant financial investments in the equine world — from yearling purchases at sales to the ongoing costs of training, stabling and veterinary care. With high values come high stakes.
A career-ending injury on the track or a sudden illness can mean the loss of millions in potential earnings and breeding value. Specialist racehorse insurance ensures your investment is protected from the training track to the winner's circle.
Racing at a Glance
Top thoroughbred racehorses in SA can be valued in the millions of rands
Fatality rate on South African racetracks per 1,000 starts
Post-racing breeding value can exceed on-track earnings significantly
Cover for racehorses at all major SA racetracks from Turffontein to Kenilworth
Insurance Built for
Racehorses
From yearlings to proven stakes winners, we provide cover that reflects the real value and risk profile of racing thoroughbreds.
All Risk Mortality
Comprehensive cover for death from illness, disease, accident or injury — including catastrophic track injuries, cardiac events and sudden illness.
Loss of Use
Essential for racehorses. If your horse becomes permanently incapable of racing or breeding due to injury, this protects the significant financial investment.
Accidental External Injury
Veterinary treatment costs for accidental injuries sustained during training, racing or transport — from track falls to stable accidents.
Stallion Infertility Cover
Protects the breeding value of your stallion in the event of permanent infertility — critical for covering stallions with significant covering books.
Racing:
Key Injury Risks
Racehorses face some of the most acute and catastrophic injury risks in the equine world, demanding comprehensive insurance cover.
Catastrophic Limb Injury
Fractures to the cannon bone, sesamoids or pelvis can occur during racing or training. Many are fatal or career-ending. All Risk Mortality cover is essential.
Tendon & Ligament Injuries
Superficial digital flexor tendon injuries are among the most common reasons for retirement from racing. Recovery is lengthy and re-injury rates are high.
Cardiac Events & Sudden Death
Racehorses can suffer from pulmonary haemorrhage, cardiac arrhythmias or sudden death on the track. Mortality cover provides essential financial protection.
Colic & Gastrointestinal Issues
Colic is a leading cause of death in racehorses. The stress of training, transport and competition can increase the risk of serious gastrointestinal complications.
Pre-Existing Conditions
Previous injuries or surgical history may affect insurability. We work with trainers and owners to structure appropriate cover for each horse's circumstances.
Loss of Racing & Breeding Value
A racehorse that can no longer race or stand at stud loses enormous value. Loss of Use cover and Stallion Infertility cover protect these significant investments.
We Understand
Racing
South Africa has a proud thoroughbred racing heritage — from the Durban July to the Summer Cup. Our team understands the racing industry, its risks and the value of the horses that make it possible.
We work with owners, trainers and syndicates to structure policies that reflect the real value of racing stock — from yearling purchases to proven stakes performers and breeding operations.
Learn More About UsCover You Can Trust
Specialist Underwriting
Policies designed specifically for thoroughbred racehorses, 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 racehorse owners who need swift resolution.
Nationwide Coverage
Protecting racehorses at all major SA racetracks and training centres.
What You'll Need
to Get Covered
- ✓
Completed Online Quote
Full disclosure of your horse's racing history, any previous injuries and current veterinary status.
- ✓
Veterinary Certificate of Health
Required for horses valued above R100,000 or when specifically requested by our underwriting team.
- ✓
Positive Identification
Horses must be positively identified via passport, microchip or brand documentation.
- ✓
Current Vaccinations
African Horse Sickness, Equine Influenza and Tetanus vaccinations must be up to date.
Ready to Protect Your
Racehorse?
Get a tailored quote from South Africa's equine insurance specialists. We'll build cover around your horse, its racing career and your investment.