We’ve reviewed the pet insurance from Petplan Equine, which has been protecting horses and their riders since 1988. Read our analysis of its policies.
If you own a horse, it’s only natural you would want to protect your investment. Petplan Equine has been around for more than 30 years and claims to be one of the UK’s leading horse and rider insurance specialists. It says it is the only horse insurance provider that will cover veterinary costs for illnesses until a horse reaches the age of 25, as long as the policy is taken out before a horse turns 20. It also claims to give customers one month free for buying a horse insurance policy online. Here’s what else we think you should know.
Petplan Equine Pet Insurance
Compare Petplan Equine’s available policies in our table
Who is Petplan Equine?
Petplan Equine was established in 1988 to provide protection for riders and their horses, including veteran horses aged between 17-40. Through two other websites, Petplan offers protection for cats, dogs, rabbits or multiple pets.
Petplan Equine is a trading name of Pet Plan Ltd and Allianz Insurance plc.
What are my cover options?
- Horse cover. Tailor insurance to suit the specific needs of your horse or pony and enhance it with optional extras if required.
- Rider cover. Fixed-price protection for riders aged 5-75 who do not own their own horse or pony.
- Veteran cover. Specifically designed for horses or ponies aged 17-40 with benefits such as vet fees for injuries, third party liability and personal accident cover for both horse and rider.
What is covered under my policy?
- Maximum sum insured of £10,000.
- Illness cover up to 25 years of age.
- Full complimentary treatment.
- 100% diagnostic treatment.
- Cover for death and loss by theft or straying.
- Free legal helpline.
- Maximum sum insured of £1,500.
- Cover for death and loss by theft or straying.
- Third party liability up to £1 million or £3 million per incident.
- Personal accident and dental cover for horse rider or handler.
- Free legal helpline.
- Personal accident cover for riders aged 5-75.
- Up to £50 for every 24 hours in hospital.
- Tuition fees for riders under 18 years if they cannot attend classes due to riding injury.
- Emergency veterinary fees up to £1,500 for the horse being ridden.
- Cover for lost or damaged riding equipment.
- Up to £5,000 in vet fees per condition.
- Third party liability cover up to £3 million.
- Permanent loss of use cover.
- Personal accident cover.
- Saddlery and tack cover.
- Disposal cover.
- Trailers and horse-drawn vehicles cover.
Exclusions
Petplan Equine has several general exclusions that could result in your policy becoming void:
- Your horse is less than 30 days old at the start of the policy.
- Pre-existing conditions.
- The activities your horse is originally covered for changes during the policy term.
- Your horse carries out an activity not covered by the policy.
- You or your horse no longer reside in the UK.
- Your horse is put to sleep and its condition did not meet the BEVA guidelines for the destruction of horses.
- If you, a family member, anyone living with you or working for you or anyone looking after your horse deliberately causes the death of your horse.
- If the death of your horse results from an illness which begins in the first 14 days of cover.
What is my excess?
Your excess is the amount of money you’re expected to pay if you have to make a claim on insurance.
For example, for vet fee cover, you will need to pay an amount towards the cost of treatment for each illness or injury.
Check your own policy document to see if any excess applies.
What is the claims process for Petplan Equine?
To make a claim, you will need to call Petplan Equine on 0345 074 267. You’ll then need to visit the Petplan Equine website to download the relevant claim form.
You’ll be able to choose from the following claim forms:
- Vet fees
- Permanent loss of use
- Death of your horse
- Loss by theft or straying
- Personal accident
- Saddlery and tack
- Trailer/horse-drawn vehicle
Once you’ve completed the form, send it back to Petplan Equine to review and process.
It’s vital that you let your insurer know about a claim as soon as possible. Failure to do this could result in a delay or a rejected claim later on.