What Are the Best Horse Insurances? (Update 2020)

You’re a fan of horseback riding, and you’re wondering if you should get insured? And what about your horse, should your horse also have insurance?

The good answer is yes, taking out a horse insurance is always a good idea. You will have peace of mind, as main expense will be taken care of.

In this guide, we’ll detail all the different types of horse insurance, the average cost of taking out a horse insurance. We’ll also give you indicative quote to find the best horse insurance.

Table of Contents

Why do you need an equine insurance?

Buying a horse is a real budget, it is one of the most expensive animal to buy. Having a horse insurance can turn out to be a really good idea, as you never know what can happen.

What are the best horse insurance quotes?

There are son many horse insurance companies that are proposing interesting features. You build your horse insurance choosing if you want to add vet fees, public liability, Loss of use, and other features.

Vet fee cover	Policy Details	Horse insurance Quote	Get a quote
Up to £2,000 Excess £250	Different level of coverage for horse insurance: standard, mature and rider insurance. Personal Finance Awards Winner for Best Pet Insurance Possible to add Third Party and Personal accident	£32 per month	Get quote with discount
Vet fees is an add-on	Death and Theft are included as standard Vet fees from £13.44 per lunar month £2.15 to add personal accident Emporium offers lot of different horse insurance: veteran horse insurance, horse rider insurance	From £3.08 per month only with death and theft included Around £25 per month if you want a full coverage	Get a quote
Up to £6,000 per incident Vet fee excess can be £155 to 15% up to a maximum of £750	You can add : Third party Personal accident Loss of use	Not available	Go to agency
Up to £2,000 Excess £250	You can add: Death-Third party Personal accident	£30,91 per month	Go to agency
Up to £5750 per accident 17.5% with a minimum of £159	Death, public liability are included in E&L essential horse insurance Vet fees is an add-on included in E&L Intermediate horse insurance E&L horse insurance is now available trough Emporium Horse Insurance	Starting from £4 when taking basic horse insurance	Go to agency
£5000 per condition/ £145 excess	Vet fees is an add-on Death, theft or straying are included as standard Loss of use, public liability are not included	£43.13 with vet fees included £19.92 without vet fees	Go to agency
Up to £5,000 per incident	Add-on: – Death – Theft – Straying – NFU veteran horse insurance Available	Not available	Go to agency
Up to £3000 per incident	Death and Theft are included as standard £17.36 to add Vet fet £4.63 to add loss of use £1.51 to add public liability	From £2,30 with basic horse insurance £25,80 if you add vet fees, public liability and loss of use	Go to agency

Horse insurance quotes

Should you take a horse rider insurance?

This kind of insurance is taken by people who don’t own a horse but who enjoy riding.

This type of horse riders insurance will cover :

Liability (if the horse injures you for example).
Covers children from 5 years old.

It is not compulsory to have a rider insurance but if you are participating to competitions, sometimes it will be required.

What are the best riders insurances?

Animal friends proposes a really complete riders insurance, as they are specialist in pet insurance:

Insurance	Details	Personal accident coverage	Get a quote
	Two level of coverage: young rider and standard rider. Cover for riders aged 5 years old upwards Founded to donate to animal charities worldwide.	Up to £10,000 for death Up to £30 for hospital benefit	Get quote with discount

Best riders insurance

How much is it to insure a horse?

The average paid for horse insurance in UK is around £25 per month. Of course, you can pay more or less depending the horse insurance you choose:

If you take just a horse rider insurance, meaning that you don’t own a horse, it can be around £10 per month.
If you take an owner horse insurance, it will be much more expensive. It can be around £50 per month.

If you have a horse, here are the factors that will determine the price of your horse insurance:

Your horse age, the older your horse is, the more expensive it will be.
Where you live in UK. Vet fees are not the same all over UK.
Your horse breed. It is because some horses breeds are more more likely to get an illness.
Your horse activity: will it be for dressage? for competition?
Your coverage: do you want to include vet fees? Public liability?

What type of horse insurance should I take?

Not all the insurers propose the same features, so check before taking out a horse insurance with an insurer. Depending on how you use your horse, your horse insurance will cover different things.

There are two types of horse activities :

Group activities	Type of activity
Group 1	dressage, showing and riding club events
Group 2	eventing, polo, long distance riding etc

Horse insurance activity

What does horse insurance cover?

When you have a horse, and you are taking a horse insurance here are the features you can be waiting for:

	Included or not in basic horse insurance?	Details
Vet fees	Add-on to horse insurance	You can ask money back for vet fees if your horse received medical treatment
Death by illness or accident	Can be included in basic insurance	You can claim if your horse died because of an accident or because of an illness
Loss of use	Add-on to horse insurance	Can be included as an extra The insurance will pay if the horse cannot be used as a result of an injury or illness
Equipment insurance	Add-on to horse insurance	Can be added as an extra as equipment is expensive
Theft cover	Can be included in basic insurance	Covers you if your horse is stolen
Veteran horse insurance plan	Add-on to horse insurance	it is an extra, that allows to cover your horse when the horse is getting older.
Public liability	Add-on to horse insurance	Covers legal liability if your horse causes damage or injuries.

Horse insurance coverage

What Are the Best Horse Insurances?