Veteran Horse Insurance
Call now: 0800 197 1293
Our insurance for older horses takes care of horses aged between 16 and 30 years of age, providing protection and reassurance.
Access your policies online.
You can view your veteran horse policy and documents at anytime.
Insurance overview
As an equine insurer, we realise that the needs of veteran horses and their owners are different. This means having the right insurance in place should anything happen.
With our Veteran Horse Insurance, available to select from age 16 years, you can include features such as vet's fee cover and personal liability, providing the protection you need.
And should you need to make a claim, our dedicated Equine Claims Unit will be on hand when you need us.
As a veteran horse insurance customer, you can manage your policy through an online account. With an online account you can:
- Access your policy information and documents, anywhere, any time.
- Go paperless for those policies, reducing print waste.
- View your renewal and any active quotes online.
- Review and update your contact and communication preferences.
What's covered:
- Loss of a horse due to death by accident, theft or mysterious disappearance up to £500.
- Livery fees up to £10 a day if you have to go to hospital for more than 72 consecutive hours, up to £1,000.
- Holiday cancellation fees if your horse needs life-saving surgery, up to £1,000.
- Rescue costs up to £750.
- Advertising and rewards costs in the event of loss included as standard up to £750.
- Irrecoverable competition entry fees - included as standard: up to £750.
- Collection charge up to £250.
- Legal costs to provide you with advice and help with the cost of legal representation - included as standard: up to £50,000. Administered by ARAG UK.
- Access to Equine Rescue Services, providing a 24 hour, 365 days freephone emergency helpline for specialist advice and incident management support*.
- Optional: Legal liability for your horse as owner and/or rider for injuries to others or damage to their property from £2.5 million.
- Optional: Vet's fees for each incident following an accident and can include complementary and alternative treatments, transportation costs by a registered equine transport company and hospital livery costs: up to £3,000.
- Optional: Personal accident for riders aged 5 to 75 years old.
- Optional: Tack, horse trailers and horse-drawn vehicles.
What's not covered:
- Any excess, which is the amount you’ll need to pay towards a claim. Your policy documents will outline where these apply.
- Any existing injury you are aware of which has been diagnosed or being treated before your cover starts, or is due for renewal, as outlined in the policy wording.
- Any illness, disease or condition.
- Euthanasia that was not needed on immediate humane grounds within the current British Equine Veterinary Association (BEVA) guidelines, or without our written consent.
- Vet’s fees when investigating or treating behavioural problems, unless directly due to an accident.
- Any activity you undertake which is not within the class of use outlined in your policy schedule.
- Racing as a professional under the rules of any governing body.
- Liability relating to any business, professional or trade use.
- Theft as a result of deception or due to fraudulent scheme, trick, device or false pretence, or loss following an ownership dispute or animal welfare intervention.
*You’ll be charged the current market rates for any veterinary treatment, transport provided. These charges may not be recoverable under your policy.
This is not an exhaustive list. We can explain full details of cover and the limits and exclusions that apply to help ensure it’s right for you. You can also find more information in the Important documents section.
Other Equine covers
Important documents
To view documents for an existing, active policy, please contact where you originally purchased your policy, this will either be Mutual Direct or a local agency office. Or you can log in or register for an online account.