Compare Equine Insurance
Understand every coverage type and find the right protection for your horse
Provider Comparison
A snapshot of what leading NZ equine insurers include in their policies.
Pet-n-Sur
Companion & Equine
Strong small-horse focus
FMG
Rural NZ Specialist
Best for farm horses
Gallagher
Commercial Brokers
Tailored high-value cover
Petcover
Leisure & Sport
Competitive leisure rates
Ready to get the right cover?
Our specialist brokers compare all the leading NZ equine insurers for you — completely free, with no obligation.
Coverage Types Explained
Each type of cover protects a different aspect of horse ownership — most owners combine two or more.
Mortality Insurance
Our mortality insurance provides comprehensive protection for your horse, covering death from accident, illness, or necessary huma…
- ✓All-risk death cover
- ✓Agreed value payouts
- ✓Theft protection
Major Medical & Surgical
Major Medical & Surgical insurance protects you against unexpected veterinary expenses. From emergency colic surgery to hospitalis…
- ✓Emergency surgery coverage
- ✓Hospitalisation & diagnostics
- ✓Colic & surgical treatment
Transit Insurance
Transit insurance protects your horse whilst being transported by road, rail, sea, or air. Whether you're moving to a new property…
- ✓Road, rail, air & sea transit
- ✓Loading/unloading protection
- ✓Accident & injury coverage
Liability Insurance
Equine liability insurance protects you against legal claims if your horse causes injury to a person or damages property. From a r…
- ✓Third-party injury coverage
- ✓Property damage protection
- ✓Legal defence costs
Loss of Use
Loss of Use insurance compensates you if your horse suffers a permanent injury or illness preventing it from performing its intend…
- ✓Permanent disability coverage
- ✓Career-ending injury protection
- ✓Breeding inability cover
What to Look For
Key questions to ask before choosing your equine insurance policy.
Horse Value
Insure for agreed value, not market value — agreed value pays out without depreciation arguments at claim time.
Vet Fee Limits
Check annual limits and per-condition sublimits. Colic surgery alone can cost NZ$8,000–$20,000.
Exclusions
Pre-existing conditions, dental, and hoof care are often excluded. Read the PDS carefully before you sign.
Transit Cover
Standard policies may not cover horses in transit. If you float regularly, add-on cover is essential.
Get Your Free Equine Quote
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