Tilley Fair Represents Australia in the 2025 Trans-Tasman Challenge
What a Year! A Recap of Tilley’s Incredible Journey with Petcover
Read moreEquine & Horse Insurance Australia
Your horse or pony can be covered with a range of policy options packed with added benefits to suit your needs.
Find the best equine insurance for your horse or pony
Petcover with its insurance partners offers one of Australia’s best range of horse and pony insurance.
Optional extras include vet fee cover, third party liability and personal accident cover ensuring both you and your horse are looked after.
We offer four horse insurance policies, each tailored to meet your needs.
The comparison table below highlights the key differences, making it easy to select the right policy for you and your horse.
Benefits
-
Death from illness
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness. Eligibility criteria apply.
Sum insured or market value
(whichever is lesser) -
Death from injury
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness. Eligibility criteria apply.
Sum insured or market value
(whichever is lesser) -
Loss by theft or straying
Horse insurance cover for the price you paid (or sum insured, whichever is less) for your horse in the event of theft or straying.
Sum insured or market value
(whichever is lesser) -
Veterinary fees for injury
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year to treat injury and illness.
See optional benefits
-
Age limits
When your horse or pony is eligible for cover.
30 days – 18 years
-
Fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy.
$250
-
Waiting period
The initial period where no benefit is payable for the mentioned conditions.
For injury: no waiting period
For illness: 21 days
-
Third party liability
Cover for any damage or injury you are legally responsible for and compensation as a result of your horse. Eligibility criteria apply.
Optional extras
-
Insurance cover for veterinary costs
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year, to treat injury and illness.
Superior vet fee cover:
up to $10,000 (excess $250)
or
Economy vet fee cover:
up to $7,000 (excess $1000) -
Burial and disposal
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
$300 (no excess)
-
Permanent loss of use
Cover for your horse if an injury or illness permanently prevents it from participating in any one of the insured activities, we will pay a percentage of your horse’s market value (or sum insured, whichever is less). Eligibility criteria apply.
Up to 60% or 100% of the sum insured or market value
(whichever is lesser)
$250 Excess -
Horse float and horse drawn vehicles
Cover for your horse float or horse drawn vehicle. If your float or horse drawn vehicle is destroyed, stolen or damaged, the cover will repair or replace up to the sum insured or market value, whichever is the lesser. Eligibility criteria apply.
Sum insured or market value
(whichever is lesser)
$250 excess -
Saddlery and tack
Cover if your saddlery and tack is damaged — we will pay the cost of repair. If the repair costs are more than the item is worth, or the item is stolen or destroyed, we will cover the cost to replace as new. Eligibility criteria apply.
Sum insured or the replacement value
(whichever is lesser)
$250 excess
Benefits
-
Death from illness
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness. Eligibility criteria apply.
-
Death from injury
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness. Eligibility criteria apply.
Up to $3,000 or market value
(whichever is lesser) -
Loss by theft or straying
Horse insurance cover for the price you paid (or sum insured, whichever is less) for your horse in the event of theft or straying.
Up to $3,000 or market value
(whichever is lesser) -
Veterinary fees for injury
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year to treat injury and illness.
-
Age limits
When your horse or pony is eligible for cover.
19 years – 29 years
-
Fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy.
$250
-
Waiting period
The initial period where no benefit is payable for the mentioned conditions.
For injury: no waiting period
-
Third party liability
Cover for any damage or injury you are legally responsible for and compensation as a result of your horse. Eligibility criteria apply.
Optional extras
-
Insurance cover for veterinary costs
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year, to treat injury and illness.
-
Burial and disposal
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
-
Permanent loss of use
Cover for your horse if an injury or illness permanently prevents it from participating in any one of the insured activities, we will pay a percentage of your horse’s market value (or sum insured, whichever is less). Eligibility criteria apply.
-
Horse float and horse drawn vehicles
Cover for your horse float or horse drawn vehicle. If your float or horse drawn vehicle is destroyed, stolen or damaged, the cover will repair or replace up to the sum insured or market value, whichever is the lesser. Eligibility criteria apply.
Sum insured or market value
(whichever is lesser)
$250 excess -
Saddlery and tack
Cover if your saddlery and tack is damaged — we will pay the cost of repair. If the repair costs are more than the item is worth, or the item is stolen or destroyed, we will cover the cost to replace as new. Eligibility criteria apply.
Sum insured or the replacement value
(whichever is lesser)
$250 excess
Benefits
-
Death from illness
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness. Eligibility criteria apply.
-
Death from injury
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness. Eligibility criteria apply.
Up to $3,000 or market value
(whichever is lesser) -
Loss by theft or straying
Horse insurance cover for the price you paid (or sum insured, whichever is less) for your horse in the event of theft or straying.
Up to $3,000 or market value
(whichever is lesser) -
Veterinary fees for injury
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year to treat injury and illness.
Up to $2,000
-
Age limits
When your horse or pony is eligible for cover.
19 years – 29 years
-
Fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy.
$250
-
Waiting period
The initial period where no benefit is payable for the mentioned conditions.
For injury: no waiting period
-
Third party liability
Cover for any damage or injury you are legally responsible for and compensation as a result of your horse. Eligibility criteria apply.
Optional extras
-
Insurance cover for veterinary costs
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year, to treat injury and illness.
-
Burial and disposal
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
-
Permanent loss of use
Cover for your horse if an injury or illness permanently prevents it from participating in any one of the insured activities, we will pay a percentage of your horse’s market value (or sum insured, whichever is less). Eligibility criteria apply.
-
Horse float and horse drawn vehicles
Cover for your horse float or horse drawn vehicle. If your float or horse drawn vehicle is destroyed, stolen or damaged, the cover will repair or replace up to the sum insured or market value, whichever is the lesser. Eligibility criteria apply.
Sum insured or market value
(whichever is lesser)
$250 excess -
Saddlery and tack
Cover if your saddlery and tack is damaged — we will pay the cost of repair. If the repair costs are more than the item is worth, or the item is stolen or destroyed, we will cover the cost to replace as new. Eligibility criteria apply.
Sum insured or the replacement value
(whichever is lesser)
$250 excess
Benefits
-
Death from illness
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness. Eligibility criteria apply.
-
Death from injury
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness. Eligibility criteria apply.
-
Loss by theft or straying
Horse insurance cover for the price you paid (or sum insured, whichever is less) for your horse in the event of theft or straying.
-
Veterinary fees for injury
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year to treat injury and illness.
-
Age limits
When your horse or pony is eligible for cover.
30 days – 29 years
-
Fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy.
$250
-
Waiting period
The initial period where no benefit is payable for the mentioned conditions.
-
Third party liability
Cover for any damage or injury you are legally responsible for and compensation as a result of your horse. Eligibility criteria apply.
Up to $5 million or $10 million
Optional extras
-
Insurance cover for veterinary costs
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year, to treat injury and illness.
-
Burial and disposal
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
-
Permanent loss of use
Cover for your horse if an injury or illness permanently prevents it from participating in any one of the insured activities, we will pay a percentage of your horse’s market value (or sum insured, whichever is less). Eligibility criteria apply.
-
Horse float and horse drawn vehicles
Cover for your horse float or horse drawn vehicle. If your float or horse drawn vehicle is destroyed, stolen or damaged, the cover will repair or replace up to the sum insured or market value, whichever is the lesser. Eligibility criteria apply.
-
Saddlery and tack
Cover if your saddlery and tack is damaged — we will pay the cost of repair. If the repair costs are more than the item is worth, or the item is stolen or destroyed, we will cover the cost to replace as new. Eligibility criteria apply.
Benefits
Basic
Senior Plan A
Senior Plan B
Horse liability
Death from illness
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness. Eligibility criteria apply.
Sum insured or market value
(whichever is lesser)
Death from injury
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness. Eligibility criteria apply.
Sum insured or market value
(whichever is lesser)
Up to $3,000 or market value
(whichever is lesser)
Up to $3,000 or market value
(whichever is lesser)
Loss by theft or straying
Horse insurance cover for the price you paid (or sum insured, whichever is less) for your horse in the event of theft or straying.
Sum insured or market value
(whichever is lesser)
Up to $3,000 or market value
(whichever is lesser)
Up to $3,000 or market value
(whichever is lesser)
Veterinary fees for injury
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year to treat injury and illness.
See optional benefits
Up to $2,000
Age limits
When your horse or pony is eligible for cover.
30 days – 18 years
19 years – 29 years
19 years – 29 years
30 days – 29 years
Fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy.
$250
$250
$250
$250
Waiting period
The initial period where no benefit is payable for the mentioned conditions.
For injury: no waiting period
For illness: 21 days
For injury: no waiting period
For injury: no waiting period
Third party liability
Cover for any damage or injury you are legally responsible for and compensation as a result of your horse. Eligibility criteria apply.
Up to $5 million or $10 million
o
Insurance cover for veterinary costs
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year, to treat injury and illness.
Superior vet fee cover:
up to $10,000 (excess $250)
or
Economy vet fee cover:
up to $7,000 (excess $1000)
Burial and disposal
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
$300 (no excess)
Permanent loss of use
Cover for your horse if an injury or illness permanently prevents it from participating in any one of the insured activities, we will pay a percentage of your horse’s market value (or sum insured, whichever is less). Eligibility criteria apply.
Up to 60% or 100% of the sum insured or market value
(whichever is lesser)
$250 Excess
Horse float and horse drawn vehicles
Cover for your horse float or horse drawn vehicle. If your float or horse drawn vehicle is destroyed, stolen or damaged, the cover will repair or replace up to the sum insured or market value, whichever is the lesser. Eligibility criteria apply.
Sum insured or market value
(whichever is lesser)
$250 excess
Sum insured or market value
(whichever is lesser)
$250 excess
Sum insured or market value
(whichever is lesser)
$250 excess
Saddlery and tack
Cover if your saddlery and tack is damaged — we will pay the cost of repair. If the repair costs are more than the item is worth, or the item is stolen or destroyed, we will cover the cost to replace as new. Eligibility criteria apply.
Sum insured or the replacement value
(whichever is lesser)
$250 excess
Sum insured or the replacement value
(whichever is lesser)
$250 excess
Sum insured or the replacement value
(whichever is lesser)
$250 excess
Insurance cover for veterinary costs
Horse insurance cover for the cost of eligible veterinary treatment your horse has received during the policy year, to treat injury and illness.
Superior vet fee cover:
up to $10,000 (excess $250)
or
Economy vet fee cover:
up to $7,000 (excess $1000)
Burial and disposal
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
$300 (no excess)
Permanent loss of use
Cover for your horse if an injury or illness permanently prevents it from participating in any one of the insured activities, we will pay a percentage of your horse’s market value (or sum insured, whichever is less). Eligibility criteria apply.
Up to 60% or 100% of the sum insured or market value
(whichever is lesser)
$250 Excess
Horse float and horse drawn vehicles
Cover for your horse float or horse drawn vehicle. If your float or horse drawn vehicle is destroyed, stolen or damaged, the cover will repair or replace up to the sum insured or market value, whichever is the lesser. Eligibility criteria apply.
Sum insured or market value
(whichever is lesser)
$250 excess
Sum insured or market value
(whichever is lesser)
$250 excess
Sum insured or market value
(whichever is lesser)
$250 excess
Saddlery and tack
Cover if your saddlery and tack is damaged — we will pay the cost of repair. If the repair costs are more than the item is worth, or the item is stolen or destroyed, we will cover the cost to replace as new. Eligibility criteria apply.
Sum insured or the replacement value
(whichever is lesser)
$250 excess
Sum insured or the replacement value
(whichever is lesser)
$250 excess
Sum insured or the replacement value
(whichever is lesser)
$250 excess
Terms, conditions and excesses apply and may be varied at renewal. Cover is subject to acceptance criteria, policy limits and exclusions may apply. Please consider the policy wording before making a decision to purchase the product.
Petcover-Australia-horse-equine-insurance-700x440-1
Choose the best care for your horse
Get a quick quote for your horse or pony today
Read our policy documents
View the horse insurance combined Financial Services Guide (FSG) and Product Disclosure Statement (PDS) for full terms and conditions.
For more information, please see our FAQs. If you would like to view previous policy wording documents, please call us on 1300 731 324.
Target Market Determination (TMD) for Horse and Pony Insurance effective from 20 August 2024 is available to view and download: click here
Target Market Determination (TMD) for Horse Liability Insurance effective from 20 August 2024 is available to view and download: click here
Target Market Determination (TMD) for Horse & Pony Insurance effective from 14 August 2024 to 29 August 2024 is available to view and download: click here. The TMD effective from 30 June 2023 to 13 August is available to view and download: click here
Target Market Determination (TMD) for Horse & Pony Insurance effective from 30 June 2023 to 19 August 2024 is available to view and download: click here
Personal accident cover
Whether you’re tackling a challenging jump or enjoying a quiet ride, accidents can happen. That’s why personal accident cover for horse riders is so important.