Horse Deluxe

Horse Deluxe

Cover for your equestrian and sports horses between 3 and 10 years old. A higher age limit may apply if your horse is already insured with us.

Please note that a five stage Veterinary Certificate is required for all new business applications. 

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

What we cover

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

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

Cover if your horse is permanently unable to be used for the purpose set out on your insurance certificate.


If you decide to keep the horse, we’ll pay up to 50% of the sum insured plus GST. If the horse is euthanised, we’ll pay up to 75% of the sum insured plus GST.

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 or 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 notify us about the issue that leads to the loss before the original expiry date.

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

Optional extras

You can purchase this Optional Benefit 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 24 hours or older. 

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

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. 

Download policy

Please note this is only a summary of the product and is subject to our specific product documentation. For full details please download the policy wordings using the links below, or you can get a free copy by calling us on 0800 366 466.