Horse Time Limited insurance
Cover for horses aged 12 months to 40 years
A new approach to horse insurance
Animal Friends are pleased to introduce our brand new horse insurance product. We recognise the importance of providing cover which allows you to insure your horse for illnesses, especially as they get older. We also recognise the importance of offering comprehensive cover without the need to select additional cover options.
Why choose Animal Friends?
- Over 25 years experience of insuring horses
- Insure your horse from 12 months up to 40 years of age for both accidents and illness
- We can pay your vet direct
- No vetting required to take out a policy
- No co-payment for vet fee claims
- Peace of mind, knowing that the important things are covered
What does our horse insurance cover?
This is a Time Limited product. Cover is provided for each accident or illness for up to 12 months or until the vet fee limit is reached.
Simply select the vet fee cover level that is right for you, and then the additional benefits of "If your horse dies" and "If your horse injures someone or damages their property" are included as standard.
Choose from three different levels of vet fee cover, which all include cover for dental and complementary treatments recommended by your vet.
- £3,000
- £5,000
- £7,000
Choose from three different vet fee excess levels:
- Select an excess to suit your needs from £199, £249, £499
- No additional co-payment for you to pay when claiming the cost of vet fees
- Cover is included up to the purchase price or the benefit limit, whichever is less
- Cover towards the cost of disposal or removal of the horse's body following death or euthanasia
- Cover is included up to £2m for public liability incidents relating to property damage or injury where you are found to be legally responsible
Please see the Policy Booklet for full details on the cover provided.
What activities are covered?
This section lists all the activities we cover. The cover includes both schooling exercises and taking part in activities or competitions.
- Horses at grass
- Retired horses
- Rearing and breaking
- Hacking
- Organised fun rides
- Western Trail Riding
- Organised endurance events up to 35 miles
- Unaffiliated Dressage or British Dressage up to Advanced Medium level
- Flat schooling up to British Dressage Advance Medium level
- Jump or cross-country training up to maximum fence height of 105cm
- Unaffiliated or British Showjumping up to a maximum fence height of 105cm
- Hunter trials up to a maximum fence height of 105cm
- Unaffiliated Eventing with a maximum fence height of 105cm in either cross country and/or showjumping phases
- British Eventing up to BE100
- Novice team chasing up to a maximum fence height of 105cm
- Arena Eventing up to a maximum fence height of 105cm
- Jump Cross up to a maximum fence height of 105cm
- Affiliated and unaffiliated Showing
- Working Hunter/Show horse classes up to a maximum fence height of 105cm
- Vaulting
- Le TREC
- Private driving
- Working Equitation up to Intermediate Level
- Gymkhana games
Would you like to know more?
Read through our policy documents for more information.
Already an existing customer?
Please refer to the policy documents we sent you when you took out or renewed your policy. You can login to your online account to view these.
Amount of cover
Select a policy below to see all cover limits including additional benefits. Not sure how much cover you need? Find out the typical treatment cost for horses here.
| Time Limited £3,000 | You’re covered up to |
| Section A: Vet Fees Includes cover up to £1,500 for dental accident and illness |
£3,000 |
| Section B: If your horse dies or is put to sleep | £6,000 |
| Section C: If your horse injures someone or damages their property | £2,000,000 |
| Time Limited £5,000 | You’re covered up to |
| Section A: Vet Fees Includes cover up to £1,750 for dental accident and illness |
£5,000 |
| Section B: If your horse dies or is put to sleep | £8,000 |
| Section C: If your horse injures someone or damages their property | £2,000,000 |
| Time Limited £7,000 | You’re covered up to |
| Section A: Vet Fees Includes cover up to £2,000 for dental accident and illness |
£7,000 |
| Section B: If your horse dies or is put to sleep | £10,000 |
| Section C: If your horse injures someone or damages their property | £2,000,000 |
How much cover do you need?
Knowing how much treating an injury or illness for your horse could cost is an important part of deciding which vet fee cover level you might want to select. Treatment costs can vary significantly depending on the severity of the illness or accident your horse may suffer from. We have three levels of vet fee cover to choose from. It’s important that you have selected cover that suits your needs.
Animal Friends have compiled a helpful list of the average claim cost for the 15 most commonly claimed for conditions.