Protect Your HorseWith Confidence
Compare top NZ equine insurance providers in minutes. Sport horses, thoroughbreds, breeding stock, and leisure horses — get comprehensive cover tailored to your needs.
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How Our Service Works
EquineInsurance.co.nz does the hard work so you don't have to
Tell Us About Your Horse
Share your horse details — type, value, age, and intended use. Our quick form takes just 2 minutes to complete and gives us everything we need to find the best quotes.
We Compare NZ Brokers
Our ICNZ-registered brokers compare quotes from New Zealand's top equine insurers, factoring in your specific situation, horse type, and coverage needs. We do the hard work so you don't have to.
Get Quotes Within 24 Hours
Receive detailed quotes from multiple providers with expert recommendations tailored to your horse. Compare options at your leisure and choose the policy that offers the best value and coverage.
Free · No obligation · Results within 24 hours
Why Equine Insurance Matters
New Zealand's horse owners face unique risks that deserve specialist protection.
New Zealand is home to thousands of horses — from sport horses competing at national and international levels, to breeding operations producing quality bloodstock, to beloved leisure companions. Each horse represents a financial investment, and many represent emotional significance that no insurance can fully capture.
A quality sport horse might be worth NZD 20,000 to NZD 100,000 or more. A breeding mare could represent years of bloodline development and generational value. A leisure horse might be worth NZD 5,000-15,000 — still a significant sum for most families. Without dedicated equine insurance, losing a horse through accident or illness means losing that entire investment, plus potentially facing emergency veterinary bills exceeding NZD 25,000.
Sport horses face injury risks from competition and training. Breeding stock face complications during foaling and breeding. All horses can suffer sudden illness — particularly colic, which is a veterinary emergency requiring immediate expensive treatment. EquineInsurance.co.nz connects you with specialist brokers who understand these risks and can provide protection tailored to your horse\'s specific needs.
Coverage for Every Horse
Whether you own a sport horse, thoroughbred, breeding mare, or leisure companion, we have protection tailored for you
Mortality Insurance
Our mortality insurance provides comprehensive protection for your horse, covering death from accide...
Learn more →Major Medical & Surgical
Major Medical & Surgical insurance protects you against unexpected veterinary expenses. From emergen...
Learn more →Transit Insurance
Transit insurance protects your horse whilst being transported by road, rail, sea, or air. Whether y...
Learn more →Liability Insurance
Equine liability insurance protects you against legal claims if your horse causes injury to a person...
Learn more →Loss of Use
Loss of Use insurance compensates you if your horse suffers a permanent injury or illness preventing...
Learn more →Insurance for Every Horse Type
Specialised cover tailored to sport horses, thoroughbreds, breeding stock, and leisure companions
Sport Horses
Sport horses—showjumpers, dressage horses, eventers, and polo ponies—demand spec...
Learn more →Thoroughbreds & Bloodstock
Thoroughbreds and racing bloodstock require specialised insurance reflecting the...
Learn more →Breeding Horses
Breeding horses—mares, stallions, and foals—need specialised protection. Our bre...
Learn more →Leisure & Pleasure Horses
Leisure and pleasure horses—family hacks, trail horses, ponies—need straightforw...
Learn more →Why Equine Insurance is Essential
Protecting your horse against unexpected loss and emergency costs
Protect Your Investment
Quality horses represent significant financial assets. Without mortality insurance, you lose your entire investment if your horse dies unexpectedly.
Emergency Vet Care
Emergency colic surgery alone can cost NZD 8,000-15,000. Major medical insurance ensures you can afford emergency treatment without financial stress.
Peace of Mind
Knowing you're covered against catastrophic loss means you can focus on enjoying your horse rather than worrying about financial risk.
Legal Protection
Liability insurance protects you if your horse injures someone or damages property, with coverage up to NZD 5 million.
Did You Know?
A single episode of emergency colic surgery can cost NZD 8,000-15,000 or more. Without major medical insurance, this could financially devastate a horse owner. With insurance, this critical care is accessible and you can focus on your horse\'s recovery rather than the cost.
Equine Insurance Guides
Expert guides to help you find the right equine insurance
The Complete Guide to Equine Insurance in New Zealand
Everything you need to know about horse insurance—coverage types, costs, claims, and how to choose the right policy for your horse.
2026-03-15
Horse Insurance Costs: What to Expect in 2026
A detailed breakdown of horse insurance premiums in New Zealand. How much should you expect to pay for mortality, medical, liability, and Loss of Use cover?
2026-03-10
Mortality vs Major Medical: Which Cover Do You Need?
Understanding the differences between mortality and major medical insurance. A practical guide to choosing the right combination for your horse.
2026-03-05
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