Tick Icon Death

Your horse is covered if it dies or has to be euthanised due to an accidental, external and visible injury.

Cross Icon Vet costs

This policy does not cover veterinary costs to treat your horse.

Cross Icon Death due to illness or disease

This policy does not cover death of your horse due to an illness or disease.

FMG’s Horse External Accident Only policy covers a range of horses, including leisure, on farm and equestrian horses, between 1 to 21 years old and up to $7,500 in value.

This cover insures your horse for death in New Zealand only, including when in transit on land, caused by an accidental, external and visible injury.

If you’ve taken out this policy with FMG for 12 months or longer, you’re automatically insured for a 90-day cover extension. So, if your horse dies within 90 days of your period of insurance ending, and you notified FMG of the accidental injury, prior to your period of insurance ending, we’ve got you covered.

What we pay

We’ll pay fair market value of your horse, up to the sum insured, plus GST, for any one event.

Fair market value 
This is what a buyer would have reasonably expected to pay for your horse immediately before the loss and takes into account several factors including competition history and 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 External Accident Policy Wording Effective for new policies, items or renewals from: