This is the Mortality, Theft & Straying cover offered by Petcover Equine Insurance. This refers to either the death of your horse or its physical disappearance, whether by theft or straying. This covers the sum insured or market value (whichever is the lesser) should the horse pass away or have to be euthanised on humane grounds or was to be lost or stolen during the period of insurance.
Now that you have Mortality, Theft & Straying cover, let's tailor your Equine Insurance needs.
One of the most common reasons to claim on equine insurance is for veterinary fees. Veterinary medicine can be expensive and if you do not have the means to pay an unexpected bill of up to several thousand dollars for an emergency surgery for colic, or a lameness investigation, you may be faced with the unpalatable decision of whether or not to have your horse destroyed.
Petcover Equine offers two levels of cover for Vet treatment, following an injury or illness. “Standard Cover” pays up to $10,000 in any one claim or in any one year with an excess of $200 per condition. Our “HiXS Cover” pays up to $7,000 in any one claim or in any one year with an excess of $1,000.
In very basic terms this area of cover exists to protect you if your horse were to suffer an injury or illness so severe that it will never be able to participate in the activity it is insured for again.
The important thing to remember is that the disability has to be permanent and it has to prevent the horse from doing an activity that it is insured for.
Petcover Equine offers two levels of Loss of Use cover - 60% or 100%.
This covers up to $300 towards the cost to remove and dispose of your horse’s body if it dies or is humanly destroyed.
This cover replaces or repairs, saddlery & tack that has been stolen damaged or destroyed. The insured saddlery & tack must be kept in a locked tack box, vehicle or building.
Petcover Equine offers insurance 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.
Horses are naturally flight animals and due to their natural instincts can act out of the ordinary and potentially cause risk to themselves and to others.
In any situation where a third party is injured (or worse) or their property is damaged, they can look for financial compensation.
You could face being taken to court and having to cope with paying damages which could potentially run into thousands of dollars if you are found legally liable for the actions of your horse should they cause damage or injury.
Taking out insurance cover to protect yourself against this risk is very inexpensive. If you consider no other insurance cover, you should treat third party liability as essential.
Petcover Equine Veteran Plan is a value for money package offering essential cover for horses and ponies aged from 17 to 29 years. It covers up to $3,000 following the death of your horse due to injury or if it is lost, strayed or stolen, including advertising and reward. Optional vet fee cover paying up to $2,000 towards treatment for injury.
You can also send us a Proposal Form by mail or email.