Veteran Horse Insurance UK
Compare Veteran horse insurance
Veteran horse insurance is a special category of cover for mature horses. Most brokers offer a wide variety of policies, all aimed at protecting you against unexpected costs as your horse ages.
Horse have a long lifespan, with many living beyond 30. To get to that age they must be well looked after with a good healthy diet and regular checks, in particular dental and hoof. Most horse insurance brokers will class horses as veteran or mature after they reach age15
At what age is a horse considered a veteran?
The short answer is 15 years old. Veteran may sound old, but a horse at 15 has still many good years ahead. This link to caring veteran horse might be helpful.
Does horse insurance cover vet bills?
Veterinarian bills are not normally included as standard in this type of policy. If not directly included, then it can be added as an extra. Extras will add to the final premium cost, but if you need protection for treatment, be sure to have it included.
Summary of available elective benefits :
Who provides veteran horse insurance?
Veteran horse insurance is a specialised product that is not widely available from mainstream insurance brokers. At multi quote time, as the name suggest, we can provide multiple quotes from multiple brokers that deal in this niche product.
When looking for veteran horse insurance, it is important to be aware that most policy providers DO NOT provide cover for illness. The good news is that a few exceptions do exist, these have been highlighted in our comparison table below. Older horse are more vulnerable to Colic or Cushing's disease so taking out a policy that includes illness cover will help cover these costs should the worse happen.
The best know providers in the UK include: E&L, Insurance Emporium, KBIS, Animal friends and Shearwater. Please see any age limits imposed on equine insurance below.
| Provider | Age Limits | Cover for Illnesses | Compare Veteran Horse Insurance | |
|---|---|---|---|---|
| Petplan Equine | 17 to 40 years inclusive | Yes, up to the age of 25 years old provided the horse has insurance before the age of 20 | ||
| Insurance Emporium | 20 years and over | Click Here | ||
| E&L | 20 years and over ( they use Insurance Emporium) | Click Here | ||
| KBIS | 30 years | Cover for illnesses up to the age of 25 | Click Here | |
| Animal Friends | 20 years | No coverage for illnesses | Click Here | |
| Shearwater | 18 to 25 | No coverage for illnesses | Click Here |
Typical Features that can be part of a Veteran Horse Insurance Policy
Features of this type of policy will vary depending on the insurer. Some insurers offer death and theft cover as standard benefits, while others have veterinary fees and tack included on top of the two other.
Check to see if the policy includes disposal costs, which can be expensive and can make a heartbreaking situation even harder.
Taking Care of your veteran horse
How to lower the cost of veteran horse insurance
Similar to horsebox insurance or other types of insurance, a typical veteran insurance policy will come with an excess amount. This is the amount that you are responsible for. Let's take an example, if the excess is GBP300 and the insurance claim is GBP500, the broker would only pay pout the GBP200, leaving you responsible for the excess. In agreement with your broker you can choose to increase the excess and in reward they will provide a discount on the premium. The choice is yours, but make sure you are comfortable with the excess amount before committing.
Compare the cost of Veteran Horse Insurance
Most providers of veteran horse insurance are flexible, letting you pick and choose which elements you need included or excluded. Getting a quote is a simple three-step process.