How To Claim Horse Insurance
This page tells you how to report a claim and gives you important claim procedure information.
How to claim
You will need to complete the claim forms relevant for the section for which you are claiming and provide supporting documents so that we can assess your claim correctly.
You can request your claim form by completing this on-line claim form request or by calling us on 0345 459 8990
Important claim conditions
Death or humane destruction
To claim for the death of your horse, all horse owners need to be aware of the British Equine Veterinary Association (BEVA) Guidelines for the Destruction of Horses.
The horse’s condition must meet these criteria.
The guidelines state that ‘an affected horse’ needs to meet the following requirements:
“That the insured horse sustains and injury or manifests an illness or disease that is so severe as to warrant immediate destruction to relieve incurable and excessive pain and that no other options for treatment are available to that horse at that time.”
“If immediate destruction cannot be justified then the attending veterinary surgeon should provide effective first aid treatment before:
- requesting that the insurance company be contacted or, failing that
- arranging for a second opinion from another veterinary surgeon.
For an insurer to consider a death claim there must be no treatment options available and this is irrespective of other considerations such as the horse’s age, temperament or ability to perform in a particular discipline.
What to do in the event of death or euthansia.
- Before humane destruction takes place you must ask our permission by calling 0345 459 8990, the only circumstances when this condition will be waived is if the attending vet confirms “That the insured horse sustains and injury or manifests an illness or disease that is so severe as to warrant immediate destruction to relieve incurable and excessive pain and that no other options for treatment are available to that horse at that time”
- It is your responsibility to discuss this with your vet and advise your vet of the cover you have for death under your insurance policy.
- In the event that your horse dies or is euthanased, you must ensure that your horse is positively identified by a qualified and registered vet and at your own expense arrange for a post mortem to establish the cause of death or the reason for euthanasia before the disposing of your horse’s body.
- All claims must be notified within 60 days of the death or euthanasia.
It is your responsibility to provide veterinary care for your horse regardless of whether this is covered by your insurance and your contract for any veterinary care provided is with your vet. We cannot agree to accept a claim (either by telephone or email) until we are in receipt of the completed claim forms and all other relevant information we have requested.
- You must immediately arrange at your own expense for a vet to treat the horse if it shows any signs of injury, illness, disease or change in your horse’s normal condition.
- You must advise us within 60 days if the horse shows any signs of injury, illness, disease or change in your horse’s normal condition.
- Claims requiring veterinary involvement will be deemed to have started on the day you first noticed the signs of injury, illness, disease or change in your horse’s normal condition.
- Referrals for any complementary treatment and remedial farriery must be made by your vet.
- If a vet who has treated the horse or is about to treat the horse asks for information about your policy that relates to a claim, Equicover will tell the vet what your policy covers, how the amount the insurer will pay is calculated, and if the insurer has paid your claim.
- Any claim for theft or straying of the horse, saddlery and tack, horse trailers or horse drawn vehicle, must be reported to Equicover and the police immediately.
- You must obtain written confirmation from the police that shows the crime reference number issued and confirms your details and your interest in the stolen horse; saddlery and tack; horse trailer; horse drawn vehicle.
- To assist with your claim you should take photographs to provide evidence of forced entry.
General claims conditions
- When you claim you agree to provide any information requested to be able to accurately assess your claim, if there is a charge to obtain this information you must pay the charge, for example charges the vet may make for completing the claim form or providing reports, or doctor’s reports, or repair estimates and/or valuations.
- Equicover cannot confirm any claim as payable before they are in receipt of your completed claim forms and any additional information they may require.
- The insurer may settle any claim by making a cash payment, or in respect of saddlery and tack and horse drawn vehicles by reinstating, repairing or replacing the item at their sole discretion.
- If you make a false, exaggerated or fraudulent claim your policy will be cancelled from the start of the period of insurance and the insurer will not make any payments. If any claim is found to be false, exaggerated or fraudulent after the insurer has paid any money in respect of a claim, then that money must be refunded immediately to the insurer.
For the full terms, conditions and exclusions please refer to your policy wording.