Can you insure a horse without a vet certificate?

Do I need a vet certificate to insure a horse?

What vet certificates do I need to take out insurance for my horse? This depends on the sum insured, the age of your horse, the type of cover you require and the company you insure with. However, if a vet examined your horse before purchase, you should supply a copy of the examination certificate with your application.

Can you insure a horse without a vetting?

Yes, if you are moving at renewal and you wish to purchase the same or a lower level of cover you will not be required to have a vetting as long as you can give us a copy of your renewal invitation and your horse’s clinical history held by your vets.

Can you insure a 16 year old horse?

Equine Medical/Surgical coverage is available for horses between 31 days–15 years; 16–20 years with underwriting approval. When comparing medical coverages from different companies, ask to see the policy wording to determine what exactly is covered and more importantly, what is not covered.

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Do I need a 5 stage vetting to insure my horse?

It may cost you more in the long run through unexpected vets fees. In most cases a five-stage vetting will be required if you intend to insure the horse. When having a potential horse vetted: Ideally use your own vet or, at least, an independent vet.

Do I need to insure my horse?

Although it is not a legal requirement to hold horse insurance, owning a horse is a large financial commitment. It is key to insure your horse before it suffers an illness or injury, which may be expensive to treat and will be excluded from any future horse insurance policy.

How much does it cost to insure a horse?

Weighing the Costs

For mortality coverage you can generally expect to pay premiums of anywhere from 2.5 percent to 4 percent of the horse’s value. That means, for example, that the cost of the annual premium to insure a horse valued at $7,000 will likely be between $220 to $280.

How much does it cost to vet check a horse?

Expect the pre-purchase exam costs to be no less than $200. $200-$300 should cover a thorough, basic exam, with lots of scribbled notes and numbers written down by the vet throughout the exam. Many times it is printed very neatly and sent to you shortly after the exam.

How do I make a claim on my horse insurance?


  1. Contact your insurance company to obtain a claim form and provide information regarding the claim. …
  2. Complete your claim form in full, sign it and send your completed section with the veterinary section to the practice for the attending vet to complete.
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What can a horse fail a vetting on?

This means that a horse could “fail” a vetting for one discipline – e.g. high level eventing or hard hunting, but pass for amateur affiliated showjumping or Riding Club dressage. That information can guide the decision making of the buyer, and may also be required in order to take out insurance policies.

How old can a horse be insured?

What are the age limits to insure my horse? Your horse must be between the ages of 24 hours through 17 years to insure for Full Mortality. If your horse is age 18 or older, Extended Named Perils coverage is available.

Does horse insurance cover lameness?

Equine Accident & Illness insurance coverage reimburses you for veterinary bills if the horse has a traumatic injury or illness or has a colic episode. It covers many diagnostic tests, such as blood work, x-rays and ultrasound for illness but does not cover any lameness diagnostics or treatment unless due to trauma.

Can you insure a 20 year old horse?

Is my veteran horse too old to insure? No, if your veteran horse is older than 20 years you can get cover under our Veteran Horse policy. There is no upper age limit.

What is a PPE test for horses?

A PPE is a health exam performed by a vet when the buyer and usually the seller are both present. It is done to assess current soundness, to help determine the suitability of a horse for the buyer’s intended use and to help provide the buyer with the information they need to make an informed purchase decision.

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