Horse Plus

Horse Plus

Cover for your equestrian and sport horses from 24 hours to 16 years old.

Please note 2017-18 policy wording comes in force on 01 Dec 2017.

What we cover

The FMG Horse Plus policy automatically includes these covers and benefits.

You’re covered if your horse dies or needs to be euthanised because of an accident, injury, illness or disease.

Cover while your horse is being transported by air or sea within New Zealand and Australia. This includes while the horse is being loaded and unloaded from a plane or ship. 

Cover during the period that your horse is undergoing emergency operations performed by a veterinarian in an attempt to save its life due to an accident, injury, illness or disease.

You’re insured for up to $10,000 or 50% of the sum insured for reasonable veterinary costs for treating your horse for an injury or illness, for up to 12 months from the onset of the injury/illness. An excess of $500 applies.

We’ll pay up to $500 for the cost of removing and disposing of your horse in the event of its death. 

Cover for the theft of your horse and for death, or humane destruction, as a result of theft. Cover also applies if your horse is taken and castrated or spayed maliciously.

If you have a policy with an insurance period of 12 months which you renew and pay the premium for, your cover under the original policy will be extended until 12 months after its period of insurance ends provided that you advise us of the issue that leads to the loss before the original expiry date.

Cover if your horse is diagnosed with a Grade 3 or higher level progressive and chronic wobbler syndrome.

 

Optional extras

These are some of the Optional Benefits you can purchase for even more comprehensive insurance.

Extends the standard air and sea transit cover to all countries outside of New Zealand and Australia.

Cover for the death or humane destruction of your foal aged from 24 hours or older. 

Covers your horse for loss due to an operation which involved the use of local or general anaesthetic.

Cover your stallion if he becomes permanently impotent, infertile or incapable of serving mares as a result of an accident, illness or disease.

 

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.

When you insure your horse we’ll discuss an agreed value with you. This may be based on an independent written valuation, the purchase price, the performance of the horse, or any other combination of factors.

This is what a reasonable buyer would have been willing to pay for your horse before the loss and takes into account several factors including competition history and the breed of the horse.