Tick Icon Vet costs

Up to $10,000, or 50% of sum insured during the period of insurance for the cost of treatment for defined injury or disease.

Tick Icon Death

Cover for if your horse dies or needs to be euthanised because of an accident, injury, illness, or disease.

FMG’s Horse Deluxe policy covers your equestrian and sport horses between the ages of three and 10 years old. A higher age limit may apply if your horse is already insured with us.

If due to accident, illness or disease your horse is permanently incapacitated and can’t be used for the purpose set out on your certificate, you're covered regardless of if you want to keep the horse or have it euthanised.

This policy also covers the theft of your horse and in transit by air or sea within New Zealand and Australia.

If you have taken out this policy with FMG for 12 months or longer, you’re automatically insured for a one-year cover extension. So, if your horse dies within a year of your period of insurance ending, and you had notified FMG of the accident, injury, illness or disease prior to your period of insurance ending, you’re covered. Age limits do apply with this benefit.

What we pay

We'll pay up to the agreed value or fair market value shown on your certificate plus GST, for any one event.

Agreed value
You can choose to discuss an agreed value of your horse with FMG, which may be based on an independent written valuation, the purchase price, the performance of the horse, and/or a number of other factors.

Fair market value 
This is what a reasonable buyer would have been willing to pay for your horse immediately before the loss and considers factors including competition history and the breed of the horse.

To understand which policy wording applies to you, please check your Certificate of Cover, or head online to FMG Connect to view all your policy details, including the dates of your policy period. If you're unsure, give us a call.

For more information on our recent policy changes click here.

This is a summary view of our policy and is subject to our specific product documentation and underwriting criteria. For full details please download the policy wording or get a free copy by calling us on 0800 366 466.

Horse Primary Plus Policy Wording Effective for new policies, items or renewals from: