Switching pet insurance providers
Vet bills can get expensive and it’s not uncommon to hear pet owners complain they’re unfair but when you.
Read moreWe've got your horse or pony covered with a range of policy options packed with added benefits to suit your needs.
As equine insurance specialists, we offer Australia’s best range of horse and pony insurance.
Our optional extras include vet fee cover and third party liability, ensuring both you and your horse are looked after.
Petcover offers four types of cover – Basic, Senior plan A, Senior plan B and Horse liability.
Our comparison table below outlines the key differences to help you choose the option right for you and your horse.
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness.
Sum insured or market value
(whichever is lesser)
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness.
Sum insured or market value
(whichever is lesser)
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)
Horse insurance cover for the cost of veterinary treatment your horse has received during the policy year to treat injury and illness.
See optional benefits
When your horse or pony is eligible for cover.
30 days – 18 years
The non-refundable amount you will be required to pay for claims covered under this policy.
$250
The initial period where no benefit is payable for the mentioned conditions.
For injury: no waiting period
For illness: 21 days
Cover for any damage or injury you are legally responsible for and compensation as a result of your horse.
Horse insurance cover for the cost of 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)
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
$300 (no excess)
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).
Up to 60% or 100% of the sum insured or market value
(whichever is lesser)
$250 Excess
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.
Sum insured or market value
(whichever is lesser)
$250 excess
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.
Sum insured or the replacement value
(whichever is lesser)
$250 excess
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or 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.
Up to $3,000 or market value
(whichever is lesser)
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)
Horse insurance cover for the cost of veterinary treatment your horse has received during the policy year to treat injury and illness.
When your horse or pony is eligible for cover.
18 years – 29 years
The non-refundable amount you will be required to pay for claims covered under this policy.
$250
The initial period where no benefit is payable for the mentioned conditions.
For injury: no waiting period
For illness: 21 days
Cover for any damage or injury you are legally responsible for and compensation as a result of your horse.
Horse insurance cover for the cost of veterinary treatment your horse has received during the policy year, to treat injury and illness.
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
$300 (no excess)
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).
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.
Sum insured or market value
(whichever is lesser)
$250 excess
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.
Sum insured or the replacement value
(whichever is lesser)
$250 excess
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or 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.
Up to $3,000 or market value
(whichever is lesser)
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)
Horse insurance cover for the cost of veterinary treatment your horse has received during the policy year to treat injury and illness.
Up to $2,000
When your horse or pony is eligible for cover.
18 years – 29 years
The non-refundable amount you will be required to pay for claims covered under this policy.
$250
The initial period where no benefit is payable for the mentioned conditions.
For injury: no waiting period
For illness: 21 days
Cover for any damage or injury you are legally responsible for and compensation as a result of your horse.
Horse insurance cover for the cost of veterinary treatment your horse has received during the policy year, to treat injury and illness.
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
$300 (no excess)
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).
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.
Sum insured or market value
(whichever is lesser)
$250 excess
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.
Sum insured or the replacement value
(whichever is lesser)
$250 excess
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or 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.
Horse insurance cover for the price you paid (or sum insured, whichever is less) for your horse in the event of theft or straying.
Horse insurance cover for the cost of veterinary treatment your horse has received during the policy year to treat injury and illness.
When your horse or pony is eligible for cover.
30 days – 30 years
The non-refundable amount you will be required to pay for claims covered under this policy.
$250
(property damage only)
The initial period where no benefit is payable for the mentioned conditions.
Cover for any damage or injury you are legally responsible for and compensation as a result of your horse.
Up to $5 million or $10 million
Horse insurance cover for the cost of veterinary treatment your horse has received during the policy year, to treat injury and illness.
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
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).
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.
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.
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness.
Sum insured or market value
(whichever is lesser)
Cover for the price you paid (or sum insured, whichever is less) for your horse if it dies due to an accident or illness.
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)
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)
Horse insurance cover for the cost of veterinary treatment your horse has received during the policy year to treat injury and illness.
See optional benefits
Up to $2,000
When your horse or pony is eligible for cover.
30 days – 18 years
18 years – 29 years
18 years – 29 years
30 days – 30 years
The non-refundable amount you will be required to pay for claims covered under this policy.
$250
$250
$250
$250
(property damage only)
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 illness: 21 days
For injury: no waiting period
For illness: 21 days
Cover for any damage or injury you are legally responsible for and compensation as a result of your horse.
Up to $5 million or $10 million
Horse insurance cover for the cost of 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)
If your horse dies, we will pay towards the cost to remove and dispose of your horse’s body.
$300 (no excess)
$300 (no excess)
$300 (no excess)
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).
Up to 60% or 100% of the sum insured or market value
(whichever is lesser)
$250 Excess
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.
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
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.
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.
Flexible cover for your horse or pony – our wide range of horse insurance is for everyone. Get a quote today and see if you can save.
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.
We understand how stressful it can be when your pet gets sick or injured, that’s why we want to settle your claim as quickly as possible.