At FMG, we know what to look for when it comes to insuring your horse.
From weekend leisure riding to equestrian sport, owning a horse often goes hand in hand with the rural lifestyle. As do floats, buildings, lifestyle blocks and more. We have specialist Equine Insurance Consultants who know rural, plus have a combination of experience and passion, both for horses and the industry. They can provide you with information and advice beyond a simple insurance policy for your horse.
Request a quote below (include your horse’s value and purpose) and one of our team will give you a call to talk you through our range of policies that may suit your needs.
Horse insurance options
FMG offers a range of insurance options for horses used in competitive equestrian disciplines, hunting, breeding, and general leisure riding.
Whether your horse is a competitive showjumper or a much-loved pet, we have coverage to suit your needs.
Options range from protection for accidental death as a result of accidental, external, and visible injury, through to more comprehensive policies that include cover for veterinary costs for illness and injury.
Not sure which option is right for you? Give us a call, and we can guide you through your choices.
Compare coverage levels
| Coverage option | Eligible horse age | Key protection |
|---|---|---|
| Horse External Accident Only | Between 1 to 21 years old | Covers accidental death of the horse as a result of an accidental, external and visible injury. |
| Horse Primary | Between 1 to 16 years old | Covers death of the horse and vet costs arising from an accidental, external and visible injury, or colic. |
| Horse Plus | Between 24 hours to 16 years old | Covers death of the horse and vet costs arising from an accident, injury, illness or disease (including colic). Optional Benefit for Stallion Permanent Disability – cover if the horse becomes permanently impotent, infertile, or incapable of serving mares because of an accident or certain illness or disease. |
| Horse Deluxe | Between 3 to 10 years old | Covers death of the horse and vet costs arising from an accident, injury, illness or disease (including colic). Automatic Benefit for Permanent Incapacity – cover if due to an accident or certain illness or disease, the horse is permanently incapacitated and can’t be used for the purpose set out on the certificate. |
Our equine products are primarily designed for horses kept for recreational or leisure use (e.g. hacking or trekking), equestrian sport (dressage, show jumping, and show hacking), farm work, or pleasure (horses that may not fit the traditional show horse or pony profile but are intended to be ridden at competitive or social showing events.)
Horse float insurance for peace of mind
Transporting your horse comes with added risk. Available under our private vehicle insurance policy, our horse float insurance provides options to cover accidental loss to your horse float and your legal liability for accidental bodily injury or accidental loss to the property of others.
Coverage includes:
- damage to your horse float
- legal liability of you and approved drivers for damage caused to others’ property or person.
- key or lock replacement
- up to $500 each for emergency agistment and emergency vet costs at the accident site (max $1,000 per event).
Make sure your float is properly protected before your next trip. Contact our team to talk through your options.
Cover you might also want
As an FMG client, there are a number of other products you might want to consider.
We have our horse and float insured with FMG and they are, by far, the best insurers for horses.
Answering your questions about horse insurance
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Horse float cover is available separately under private vehicle insurance, which can protect your horse float against accidental damage and cover your legal liability for accidental bodily injury and accidental damage to the property of others, arising from an accident involving the vehicle
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Yes, the way you use your horse affects the type of coverage available from FMG. We generally do not provide cover for racing horses. You can select the cover that best suits how your horse is used. Your horse’s age will also impact which cover levels you’re eligible for, so make sure to check the age criteria before choosing your policy.
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Competition and higher-value horses are typically suited to more comprehensive cover options, like our Horse Deluxe or Horse Plus package.
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Our horse insurance policies can cover leisure or companion horses. The most suitable option will depend on factors such as the amount of cover you want and the age of the horse.
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We occasionally cover racing horses and bloodstock. Please call us to discuss your options.
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Our External Accident Only policy can provide basic cover for accidental death as a result of accidental external and visible injury. It does not cover illness, disease, or veterinary costs.
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In general, FMG does not typically offer cover for miniature ponies or horses used for polo.