Equine Insurance Plans

We specialise in offering quality, straightforward horse insurance, with a range of policy options to suit your needs.

Our variety of plans can cover a large range of pursuits and activities you can enjoy with your horse. Accidents can happen at any time and we offer essential benefits to cover the loss of your hose by theft of straying, protection in the sad event of your horse’s death, and a range of optional benefits as well as veteran plans for older horses. From first time owners and casual riders to top eventers, we provide essential cover in the event of the unexpected.
Our tailored plans offer options to cover:
  • Mortality
  • Float
  • Loss of use
  • Veterinary Fees
  • Theft & Straying
  • Saddlery & Track
  • Third Party Liability

Your choice of equine cover

Basic Cover

Our Basic Cover consists of the 2 benefits below from the basis of all new policies (for horses aged from 30 days and before their 17th birthday) and are included automatically.
Death from illness or injury Max Benefit:
  • Designed to pay you the sum insured or market value (whichever is the lesser) of your horse if it dies or is euthanased on humane grounds following an illness of injury that occurs during the period of insurance.
  • Sum Insured
  • $200 excess
Loss by theft or straying Max Benefit:
  • Designed to pay you the sum insured or market value (whichever is the lesser) of your horse if it is lost or stolen. We will also pay up to $600 towards the cost of advertising or reward, to help trace your horse.
  • Sum Insured
  • $200 excess

Veteran Horse Plan

The benefits below form the basis of all Veteran Horse policies for horses aged between 17 years and not over 30 years (for first time on cover) and are included automatically.
Veteran Option A Max Benefit:
  • Death or humane destruction due to injury only.
  • Theft or straying plus $600 for Advertising & Reward.
  • $3,000
  • $200 excess
Veteran Option B Max Benefit:
  • Death or humane destruction due to injury only.
  • Theft or straying plus $600 for Advertising & Reward.
  • Vet fees following an injury to a maximum of $2,000 in any one period of insurance or any one claim, whichever comes first.
  • $3,000
  • $200 excess

Third Party Liability

Third Party Liability Max Benefit:
  • Protect against costs arising should you be found legally liable for damage or injury caused by your horse.
  • $5,000,000 or $10,000,000

Additional optional benefits

Vet Fees Max Benefit:
  • Helping to cover the cost of veterinary treatment following injury or illness, includes diagnostic work, alternative treatment or remedial farriery on the recommendation of your vet.
  • Standard Cover
  • $10,000 - $200 Excess
  • High Excess Cover
  • $70,000 - $1000 Excess
Float & Horse Drawn Vehicles Max Benefit:
  • Covers loss or damage and pays the cost of repair up to the sum insured or market value (whichever is the lesser) of the vehicle if it is stolen or destroyed.
  • Sum Insured
  • $200 excess
Saddlery & Tack Max Benefit:
  • Replace or repair tack that is damaged or stolen.
  • Sum Insured
Disposal Max Benefit:
  • Pay towards the cost of disposal following death or euthanasia of the insured animal.
  • $300
Permanent Loss of Use* Max Benefit:
  • If your horse is permanently unable to participate in any insured activity following an injury or illness we will pay up to 100% or 60% of the sum insured or market value (whichever is the lesser). *Not available on Veteran horse Plan
  • 100% of the Sum Insured or 60% of the Sum Insured
  • $200 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 PDS before making a decision to purchase the product. For full details of our policies, please refer to our Combined Financial Services Guide & Product Disclosure Statement.

Waiting Periods

  • Cover for injury starts as soon as we accept your application.
  • We cannot provide cover for conditions showing clinical signs before taking out your policy, or any illness showing clinical signs in the first 21 days of your insurance.
Download a copy of the Product Disclosure Statement
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Product Promoter The Warehouse Limited.
Administrator Petplan Australasia Pty Ltd ABN 64 069 468 542 AFSL No. 245663 is the sole Administrator of our policies. Petplan® is a Registered Trade Mark. Products sold under this Trade Mark are sold exclusively by Petplan Australasia Pty Ltd under license from Pet Plan Ltd.
The Insurer The Insurer: MS Amlin Syndicate 2001 at Llyoyd’s One Lime Street, London EC3M 7 HA. Ms Amlin Syndicate 2001 at Llyod’s is managed by MS Amlin Underwriting Limited. Registered office The Leadenhall Building, 122 Leadenhall Street, London EC3V 4AG. Registered in England Company No. 02323018. MS Amlin Underwriting Limited is authorised by the Prudential Regulation Authority, and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under reference number 204918. Please consider the PDS before making a decision to purchase the product. This information does not take into account your objectives, financial situation or needs.