Horse, rider and Tack Insurance by Protectapet

HORSE & RIDER INSURANCE IN SPAIN & EUROPE

WHY HAVE HORSE INSURANCE?

Horse owners know all too well, that if your horse or pony becomes ill looking after it can be very costly. Sophisticated veterinary procedures can be eye-wateringly expensive. Emergency surgery, for example for a colic operation, can easily cost several thousand Euros.

Illness, injury, theft or an accident can happen at any time to your horse and may result in unexpected bills.

Accidents involving your horse may result in you being seriously injured or legally responsible to pay large amounts of compensation and legal bills.

Insurance is designed to help reduce the worry of meeting these bills and ultimately means that you gain more enjoyment from your riding.

WHAT INSURANCE DO YOU NEED FOR A HORSE?

We at Protectapet offer 3 different types of insurance for yourself and your horse or pony. Giving you peace of mind that you and your trusty steed are fully insured.

  • Public liability Insurance,
  • horse and pony insurance which covers the  for the cost of Veterinary bills
  • Riders insurance.

PUBLIC LIABILITY INSURANCE FOR HORSE AND RIDER

Public Liability Insurance  for horse riders is essential. It's not only the responsibility and safety of the rider and horse but pedestrians and drivers too.

Regardless of how well you know the roads and riding route, or how responsible you are as a horse rider, you still never know what's approaching.

Public liability insurance protects you should an incident occur with your horse, which results in an injury to a third party or causes damage to their property. Should a member of the public make a successful claim against you, the policy would pay any damages awarded, should you be found legally liable, and associated legal costs.

It is important when considering taking out equine insurance that you choose a reputable (or high rated) provider with a specialism in the equestrian industry.

This Public liability policy will cover you, your family members or anybody else that wishes to ride your horse whilst on your property or public land. The cover is for the whole of the European Union.

 

WHAT IS INCLUDED WITH PUBLIC LIABILITY INSURANCE FOR YOUR HORSE?

  • Cover up to €300,000 should your horse escape from your property and damage another person’s property.
  • Cover up to €300,000 should your horse escape from your property or direct control and cause a road traffic accident.
  • Cover up to €300,000 should your horse escape from your property and injure anybody.
  • Policy Excess €200

Our Public liability policy will cover you, your family members or anybody else that wishes to ride your horse whilst on your property or public land. The cover is for the whole of the European Union.

WHAT IS COVERED BY HORSE AND PONY INSURANCE

  • Cover up to the insured value of your horse in the event of the death of the horse or if it is stolen and not recovered
  • Cover up to €4,750 per year for veterinary hospital costs relating to Colic, Fractures, stitches and being gored by a bull
  • Included within the veterinary hospital costs is up to €500 for emergency transportation to the veterinary hospital
  • Cover up to €250 for the removal of the body after death
  • Cover up to €150 for an Autopsy
  • Cover up to €10,000 for rider accidents

HORSE AND RIDERS INSURANCE 

We at Protectapet provide a special type of accident policy for horse riders. This is a comprehensive non-professional Leisure insurance that allows you to feel protected, and safely enjoy your favourite sport or hobby in your free time.

WHAT DOES PROTECTAPETS HORSE AND RIDER INSURANCE COVER ME FOR?

The cover that is included in this policy is –

ACCIDENTAL DEATH

Death due to a heart attack

PERMANENT DISABILITY DUE TO AN ACCIDENT WITH PARTIALS

Refurbishment of home and or automobile in the case of permanent disability due to an accident.

HEALTHCARE EXPENSES DUE TO AN ACCIDENT

Rescue expenses and cosmetic reconstruction expenses

ROADSIDE AND HOME ASSISTANCE

Rescue expenses and cosmetic reconstruction expenses

 

DO I HAVE THE CORRECT INSURANCE FOR MY HORSE?

Before purchasing insurance you should take the time to list your main areas of concern should you find yourself needing to make a claim.

For most horse owners, insurance for death, theft and legal liability is important. And now, with increasing levels of theft of both tack and trailers and the rising cost of veterinary fees due to advances in veterinary medicine and techniques, many owners opt to take out additional policy sections to protect against these costs.

ADDITIONAL INSURANCE COVER FOR YOUR HORSE OR PONY

Protectapet also offer the following extra insurance covers for your horse or pony if required –

  • Extra Veterinary hospital costs up to €4000 per year (policy excess €100) 
  • Cover for veterinary car in the stables 
  • Cover for loss of use of your horse 
  • Cover for rider accidents up to €20,000 
  • Cover for rider accidents up to €50,000 
  • Cover for rider accidents up to €100,000 

 

 

Protectapet™ all rights reserved - © Plegasus Europe S.L - 17/06/2022
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