What Are The Best Horse Insurance?

antoine fruchard Antoine Fruchard  updated on September 8, 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 be insured too?

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.

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.

InsuranceVet fee coverPolicy Details Horse insurance QuoteGet a quote
animal friends logo
  • 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 monthGet quote with discount
petplan equine logo
  • £5,000 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
  • £19.92 without vet fees
  • £43.13 with vet fees included
Get quote with discount
emporium logo 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
kbis logo
  • 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
british pet insurance
  • Up to £2,000
  • Excess £250
You can add: 
  • Death-Third party
  • Personal accident
£30,91 per month Go to agency
el logo
  • Up to £5,750 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

nfu logo
Up to £5,000 per incident Add-on: 
  • Death
  • Theft
  • Straying
  • NFU veteran horse insurance Available
Not available Go to agency
horse insurance logoUp to £3,000 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 coverageGet a quote
logo animal friends
  • 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 activitiesType of activity
Group 1dressage, showing and riding club events
Group 2eventing, 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 feesAdd-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 useAdd-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 planAdd-on to horse insurance
  • it is an extra, that allows to cover your horse when the horse is getting older. 
Public liabilityAdd-on to horse insurance
  • Covers legal liability if your horse causes damage or injuries. 
Horse insurance coverage
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