While owning a horse is a rewarding experience, it also comes with significant risks. Whether you’re a competitive rider, breeder, or simply enjoy leisurely hacks, horse insurance can provide essential financial protection in the event that something goes wrong.
This guide breaks down the types of coverage available, what’s typically included or excluded, and common claims horse owners make.
Horse insurance is a specialised policy designed to cover the health, safety, and value of your horse. Policies can be tailored to suit different needs, from high-performance sport horses to beloved companions.
Horse insurance coverage varies by provider; however standard policies often include a combination of:
Understanding what’s not covered in your policy is just as important. Exclusions tend to vary from insurer to insurer; however some typical exclusions include:
According to SEIB insurance brokers, the most common horse insurance claim is gastric ulcers, which are responsible for 63% of all colic and digestive disorder claims and 11% of all horse insurance claims[1].
Other frequent horse insurance claims include veterinary fees, accidental death and third-party liability. Having the right cover in place ensure that when the unexpected happens, your horse, and you are protected.
[1] New research reveals Gastric ulcers as top cause of horse insurance claims - SEIB Insurance Brokers
As previously mentioned, horse insurance can vary from insurer to insurer making it difficult to narrow down policies to find the best one for you. However, there are a few things that you should consider when selecting a policy:
If you find yourself in the unfortunate situation where you have to make a claim on your insurance policy, there are a few things we recommend doing to help the process go as smoothly as possible:
Horse insurance isn’t just a safety net, it’s a smart investment in your horse’s wellbeing and your peace of mind.
When you speak to our team of horse enthusiasts, you can be sure you’re speaking to someone who understands your needs. Our experienced team of brokers can help by offering tailored advice and exclusive access to multiple insurers ensuring the best coverage for your horse.
From the animals themselves to the horseboxes and trailers, we can offer tailored horse insurance to meet your needs. With our range of horse insurance policies, you can receive comprehensive, convenient protection all in one place. Visit our horse insurance webpage today here at Equine Insurance | Horse Insurance Quotes | Towergate.
Consistent with our policy when giving comment and advice on a non-specific basis, we cannot assume legal responsibility for the accuracy of any particular statement. In the case of specific problems we recommend that professional advice be sought.
Towergate offers equine insurance that can be tailored to suit you and your horse. Read more about our horse insurance and what we can cover.
You can get an horse insurance quote online, or call us on 0344 346 0228.
Adam Summersby is a respected leader with 11 years’ varied experience in niche personal and commercial lines insurance, including caravan, site operators and excess reimbursement, with proficiency in leadership, sales and account management.
Date: June 17, 2025
Category: Equine