Best Horse Insurance Companies in the UK

Horse insurance covers you financially should anything happen to your horse. While many horses can gallop through life injury-free, others aren’t so lucky. If you own a horse, the risk of it being involved in a serious accident or suddenly suffering from an illness is always there. Comprehensive horse insurance can be taken out to keep you riding confidently.

The horse industry is a big business in the UK. To support this industry, there are many equine insurance providers. Some of these providers offer you real peace of mind for a reasonable price, while others only provide you with a limited amount of coverage.

In this guide, I’ll detail horse insurance companies and the cover they provide, from personal accident cover to veteran horse insurance. Many Pet insurance companies also provide Horse insurance, so if you already have a policy for a cat or dog it might be worth discussing it with your insurer.

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The Best Horse Insurance Providers

Getting horse insurance is like having major medical insurance for yourself, better to have it and not need it than the other way round, so let’s get our take a look at the top four horse insurance providers first:

Best lifetime insurance: Agria Pet Insurance

Agria is one of the longest-standing horse insurance providers in the world, having delivered horse insurance in Sweden since 1890! This provider is also notable as being the only provider of lifetime horse insurance in the whole of the UK.

Agria Pet Insurance are also a good option if you’re insuring multiple horses, as they offer a 5% multi-horse discount.

Here’s a list of what Agria Pet Insurance cover:

Equine Lifetime Lite – £3,000 vet fees cover
Equine Lifetime – £6,500 vet fees cover
Equine Lifetime Plus – £10,000 vet fees
Death and Theft or Straying – Up to the market value of your horse
Loss of Use – Up to £25,000

Agria also hove some great features which other insurance companies don’t. They really do understand the ins and outs of horse ownership

Free Vet Video Calls

One of the standout services Agria offers is free video calls with veterinarians. For any horse owner, quick access to expert advice can be a lifesaver, especially when you’re faced with sudden health issues or questions about your horse’s wellbeing.

This feature is invaluable for situations that might not require an immediate in-person vet visit but could benefit from professional insight to decide if further care is needed. With video calls, you can save time and stress, knowing that help is just a call away, which is especially reassuring for horse owners managing minor injuries or concerns without waiting for an appointment.

Transferable Policies

Agria’s transferable policies are a rare and welcome feature in the world of horse insurance. This flexibility means if you sell your horse, the policy can be passed to the new owner seamlessly, which is a huge advantage. It adds an extra layer of value when selling, as the buyer won’t have to go through the hassle of finding new insurance.

From my experience, this feature not only simplifies the transition but can also potentially make the horse more attractive to prospective buyers, knowing they’re already covered by an established policy. It’s peace of mind for both parties in what is often an emotional transaction.

Team of Equine Specialists

Agria is distinguished by its dedicated team of equine specialists, which is a huge reassurance for policyholders. Insurance claims for horses can be complex, with unique nuances that general pet insurance providers might not fully grasp.

Having a team that understands equine issues—from colic to tendon injuries—ensures that claims are handled by people who truly understand what’s at stake. They’re equipped to assess claims with empathy and precision, making the entire claims process smoother and more efficient.

This specialized support makes a significant difference when dealing with the financial and emotional aspects of horse care.

Each of these features reflects Agria’s thoughtful approach to equine insurance, designed to support horse owners practically and effectively.

Best for added extras: Horslyx British Pet Insurance

Horslyx British Pet Insurance is a collaboration between two companies – Horslyx and British Pet Insurance. Horslyx is known for for line of horse balancer products, while British Pet Insurance are known for providing insurance policies to a range of pets.

This collaboration aims to provide modern comprehensive care for your horse and strives to provide as many extras as possible.

To give you a brief overview of the care that British Pet Insurance can provide, here are the main policies and add-ons:

Theft and Straying – Sum insured/current market value of your horse
Death – Sum insured/current market value of your horse
Advertising and Reward – Up to £300 per year
Disposal – £200 per year
Veterinary Fees – Up to £6,000
Public Liability – Up to £2,000,000 per incident
Personal Accident – Up to £20,000

Best specialist services: NFU Mutual

NFU Mutual provide lots of specialist services to help make caring for your horse a lot easier. For example, this horse insurance provider offers 24/7 equine rescue services. Additionally, they also offer a range of horse insurance packages. This includes Horse Rider Insurance, Horsebox Insurance, and Veteran Horse Insurance.

Here’s an overview of what NFU offers:

Vet’s Fees – £5,000
Legal Liability – From £2.5 million
Rescue Cost – Up to £750
Holiday Cancellation Fees – Up to £1,000
Livery Fees – £10 per day up to a total of £1,000

Best all round: Petplan Equine

Petplan Equine have established themselves as a reliable provider of horse insurance over the last 30+ years. They can provide insurance for horses up to the age of 25, as long as your horse is insured before their 20th birthday. Another benefit of Petplan Equine is that they can pay your vet directly.

Petplan Equine has an in-depth tier system, so you can get cover that matches the exact maturity and activity level of your horse.

In terms of what Petplan Equine cover, here’s a quick breakdown:

Veterinary Fees – Up to £5,000 per condition
Third-Party Liability – Up to £5 million
Personal Accident – Up to £20,000
Loss of Use – 100% of the market value of your horse
Disposal Following Death – Up to £200
Equipment Cover – Up to £5,000
Cover for Trailer or Horse-Drawn Vehicle – The cost of repair

Petplan Company Profile and Products

Petplan is the UK’s No.1 pet insurer, insuring over 1.3 million pets. With over 40 years’ unrivalled experience in pet health, they have been able to design their policies to cover as many illnesses and injuries as possible, which is why they are able to pay 98% of Covered for Life® claims – that’s over £5million paid every week to help Petplan pets get the veterinary treatment they need. It’s no surprise they continue to be the UK’s most trusted insurer and over 90% of their customers renew with them each year.

Petplan USP’s

Petplan is the UK’s No.1 pet insurer
Petplan insure over 1.3 million pets
Award winning pet insurance
Petplan cover things others don’t
98% of Covered for Life® claims paid
You won’t pay more for claiming.
Petplan have over 40 years experience helping to keep pets healthy
Over 90% of customers renew with Petplan each year.
Petplan can pay your vet directly
Petplan pay 90% claims in 5 working days
Get a 10% online discount.

Should I Get Horse Insurance?

As we already mentioned, horse insurance can provide you with some much-needed peace of mind. If you own a horse, you may find yourself regularly worrying about something going wrong. If it came to it, you may not be able to afford the medical attention or surgery that could save your horse’s life.

Not only will horse insurance provide you with financial protection, but it may also allow you to feel less restricted in terms of treatment options. For example, should your horse need physiotherapy, covering this treatment becomes a lot more viable when you’ve invested in good horse insurance coverage.

How Much Does Horse Insurance Cost?

Horse insurance generally costs around £25 per month on average. This estimate reflects basic horse insurance cover and varies greatly depending on add-ons and the amount of cover you take out.

Plus, there are several factors that insurance providers will take into account when determining the price of your insurance. For example, they’ll look at your horse’s health, age, and breed.

The activities that you and your horse partake in will impact the price you pay for horse insurance too.

Horse Insurance Coverage Options

Horse insurance plans differ from policy to policy. If you’ve taken out any kind of insurance plan before (which I’m guessing you might have) then you’ll know to read the small print to assess exactly what it is that your policy is offering you.

Some plans may offer to cover “vet fees”, but will only really provide you with any kind of help if your horse sustains an accidental injury.

To help you read between the lines, here’s a basic overview of the main horse insurance cover options:

Vet fees

One of the main features of most horse insurance policies is vet fees. Despite it being a popular feature, vet fees don’t normally come as standard with a basic horse insurance policy. So, make sure your basic policy definitely covers it – or, if it doesn’t and you’d like it to, request it as an add-on.

So, how does insurance for vet fees work? Well, on a basic level, if your horse has to receive medical treatment from a vet, you can claim back your medical expenses from your vet fees.

However, there are many categories of vet fee cover you can take out, with varying degrees of financial aid when required.

Limited vs. comprehensive cover horse vet fees

One of the main types of vet fee coverage is limited coverage for accidental external injuries only. This tends to be the cheaper option and is far from comprehensive. This limited cover insures your horse against accidental external injuries. For example, collisions, falls, cuts, and abrasions are normally covered by this type of policy.

However, if your horse suffers from a serious accident, a long-term illness, or a non-accidental injury, this policy will not pay out a thing. If you want horse insurance that does cover these things, you’ll need to take out comprehensive cover for accidents, sicknesses, and disease.

If you get really good comprehensive cover (i.e., if you take out a more expensive policy) you may get even more cover for your horse. For example, your insurance may cover hospitalisation costs. It may even pay for special treatments that your horse has to receive as a result of injury, such as physiotherapy.

Incident limit vs. annual limit

Another component of vet fees you need to be wary of is whether it comes with an incident limit or an annual limit. This will reflect how much money you will be paid back in total.

If your policy has an incident limit, then there will be a fixed amount you’ll be paid back per incident.

On the other hand, an annual limit means that you can only receive a set annual amount. So, if your horse needs to receive major surgery and this surgery costs the total amount of your insurance limit, you won’t be able to apply for any further reimbursements that year. Or, this annual amount could be spent on several more minor operations or procedures throughout the year.

Death by illness or accident

Some basic insurance plans come with death by illness or accident cover, but certainly not all.

What you receive for this cover is pretty self-explanatory – you can claim insurance if your horse passes away as a result of an illness or an accident.

In terms of how much you’ll receive, insurance providers normally pay you a price that matches the current market value of your horse. However, this depends entirely on how much your horse is worth and how much coverage you have.

Some limits to this insurance cover include:

If your horse died from an injury or illness that started before the beginning of your insurance coverage.
If your horse died from an injury or illness that first showed signs within the first 14 days of your horse insurance coverage.

Sometimes, death is combined with other coverage, with some insurance providers offering Death, Theft, and Straying coverage as a single add-on.

Theft insurance

If your horse is stolen and not returned within a set amount of days, you can claim from insurance with theft cover. Sometimes, theft insurance is combined with straying insurance, which provides you with cover should you lose your horse while it was loose.

Like death insurance, you may be able to claim the current market value of your horse at the time of its disappearance.

Equipment cover

This type of insurance will pay the cost of replacing your tack, saddlery, and other horse equipment should it go missing. If you attend events regularly, the risk of your tack and saddlery breaking, being stolen, or going missing is quite high. This kind of equipment can be expensive to replace – much more expensive than it would be to take out monthly insurance to cover it.

This type of cover will also pay for repairing your tack or saddlery should it be in a repairable condition.

Equipment cover may also be referred to as tack & saddlery insurance.

Loss of use

Loss of use tends to be an add-on option. If you opt for this, you will receive a payout if your horse is no longer ridable as a result of an injury or illness.

For example, if you have a polo horse and it suffers an injury that it’s unlikely to fully recover from, you may not be able to use the horse for its intended use ever again. In this case, you’d be able to make a claim and hopefully receive some payout.

This payout is intended to cover the cost of keeping your horse in retirement or, in worst-case scenarios, to cover euthanasia.

Public liability

If you take part in competitions or go trail riding regularly, we’d strongly recommend getting public liability horse insurance. This add-on covers the legal costs if your horse causes damage to a third party or a third party’s property. Should this third party make a claim against you, public liability horse insurance will cover the damages.

Common examples of public liability claims include:

Your horse causing injury to a third party or another horse
Your horse causing damage to someone’s car or property
A third party injuring themselves while riding your horse
Your horse causing damage/injuries while straying

As a horse owner, it’s your responsibility to protect those around you as much as possible. Having public liability insurance proves you care (and can save you from paying for significant legal fees out of your own pocket!).

This type of cover may also be titled as third-party liability cover in your insurance policy. The monthly premium is often not much for public liability insurance so it is worth having for peace of mind, in fact BHS gold memebrship has it included.

Veteran horse insurance plan

This add-on is aimed exclusively at owners of veteran horses. Understandably, older horses visit the vet more frequently. They may also have to undergo more frequent – and potentially more expensive – operations. These insurance plans are more comprehensive when it comes to hospital fees, operations, and death coverage.

Horse Insurance Levels

On top of the different packages and add-ons, insurance providers also organise coverage levels into different groups. These groups are defined by the age of your horse as well as the activities that your horse partakes in.

Some insurance providers only have 2-3 levels, but the likes of Petplan Equine have six different levels of insurance. The higher the group, the more expensive your horse insurance will likely be.

Petplan Equine defines its insurance groups as follows:

Group 1

Retired horses
Breeding horse
Horse at grass

Group 2

Group 1 coverage
Western riding
Rides up to 25 miles
Hacking

Group 3

Groups 1 and 2 activities
Foals
Flatwork
Groundwork
Backing
Breaking in
Mounted games
Trec
Riding and pony club activities
Unaffiliated dressage, showing, or show jumping
Vaulting

Group 4

Group 1, 2, and 3 activities
Cross country
Hunter trails
Dressage (below elementary)
Affiliated showing and show jumping
Eventing – Unaffiliated, BE80 and BE90
Jump crossing
Non-competitive driving
Team chasing (up to 90cm)

Group 5

Group 1, 2, 3, and 4 activities
Elementary dressage and above
Competitive driving
25+ mile endurance rides
Hunting
BE100 to intermediate eventing

Group 6

Group 1, 2, 3, 4, and 5 activities
Horse ball
Advanced eventing
Point to pointing
Polocrosse
Polo
Team chasing (90cm +)

FAQs

Why are horse insurance policies so expensive?

Veterinary costs have risen in the past few years, which has driven up the cost of horse insurance prices. Insurance providers need to increase their prices to make paying off vet bills viable for them.

Do you need a vet certificate to insure a horse?

For most policies, you’ll need a vet certificate to successfully insure your horse. However, it really depends on the type and degree of insurance coverage you’re getting. In some instances, you won’t need a vet certificate.

Who is liable if a horse damages a car?

If a horse damages a car, the horse rider/horse owner is liable. This falls under both the Animals Act 1971 and the common law of negligence.

Can I insure a horse with pre-existing conditions?

Insuring planning for a horse with pre-existing conditions can be challenging, as most health insurance providers exclude coverage for known issues before the policy starts. However, some companies may offer limited coverage for conditions unrelated to the pre-existing ones.

For example, if a horse has a history of suspensory ligament problems, the insurer might exclude any future claims related to that injury but still cover other areas, like colic or accidental injuries. It’s always best to be transparent with the provider about any existing conditions to find out exactly what coverage options are available.

Are there any discounts available for insuring multiple horses?

Yes, many insurers offer multi-horse discounts, which can really add up if you have several horses to cover. In my experience, these discounts generally apply when all horses are under the same policy or provider.

The more horses you insure, the bigger the discount tends to be, which can make health insurance far more affordable for owners of small stables or breeding operations. It’s worth asking providers about these discounts upfront to see if they can bundle your coverage and save you on premiums.

Can I switch insurance providers if I’m not satisfied with my current one?

Switching providers is usually possible, though timing is essential to avoid any gaps in coverage.

Most policies have a 12-month term, so it’s best to switch near the end of this period to avoid penalties. If you’re switching mid-policy, some insurers might offer prorated refunds, but this varies.

I’ve found it helpful to have the new policy lined up before canceling the old one, so there’s no lapse in coverage.

I recommend comparing policies carefully before the renewal date, as some providers may offer better rates or specific benefits, like vet video calls or access to specialist support, that could be worth making the switch.

Should I Get Horse Rider Insurance?

Horse rider insurance doesn’t cover horse owners. Instead, it’s an insurance policy that covers those who enjoy riding horses but don’t own a horse themselves. Rider insurance policies tend to cover personal accident and third-party liability.

It’s not compulsory in the UK to get horse rider insurance. However, if you were to compete in competitions, you’d probably need it. Plus, do you really want to cover the cost of a personal accident yourself?

What is a waiting period in horse insurance?

To protect themselves, horse insurance comanies often have a waiting period where you cannot claim in the first 14 or 21 days of taking out a policy. Often this only pertains to illness and not injury.

What additional benefits can horse health insurance policies have?

Some horse insurance polices have a veterinary discount plan where you get discount from specific vets. This can be as much as 25% in some cases so it’s worth looking into.

Diagnostic testing can often be included up to a certain value. Ask the insurance company what they offer.

Coverage limits can be increased, although this can mean an increase in your premium. It’s a balacing act and something you will have to asses based on your finances.

Mortality coverage – usually only covers for ailments the horse is covered for. May or may not cover the value of the horse, minimum cover here is often the cost to have the horse PTS and then taken away.

Should I get a preventative care plan for my horse?

Preventaive care, or an Equine health plan can be a good option if it offers discount by bundling sevices you will usually use anyway. Think vaccinations, dental checks, egg counts and worming. By having these all arranged by one provider it may save you some money.

On the other hand, it might just be about convienece, and arranging it yourself could be a cheaper option. Check to see if it gives you any veterinary discounts on your veterinary care.