Horse External Accident Only

Horse External Accident Only

Cover for your equestrian and sport horses between 1 and 18 years old and up to $7,500 in value.

What we cover

The FMG Horse External Accident Only policy automatically includes these covers and benefits.

You’re covered if your horse dies or needs to be euthanised because of an external, accidental injury. This policy doesn’t cover loss related to illness or disease. 

For policies with a 12 month period of insurance, cover will apply for up to ninety days after the expiry of the policy provided that you advise us of the issue that leads to the loss before the expiry date.

Cover during the period that your horse is undergoing emergency operation performed by a veteranarian in attempt to save its life due to an accident

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.


What we pay

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

This is what a buyer would have reasonably expected to pay for your horse before the loss and takes into account several factors including competition history and 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.