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Products and services

Equine mortality insurance

Your horse is a valued companion, an athletic partner, and often a significant financial investment. Learn more about equine mortality insurance arranged by Marsh.

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Why do I need to consider equine mortality insurance?

Anyone involved in equine sports knows the risks to horses, riders, and businesses can be serious.

Having equine mortality insurance can help protect your financial investment in your horse.

It offers peace of mind, helping ensure you're financially prepared for unexpected events and can manage the risks associated with owning and caring for horses. 

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What’s covered?

  • Death or humane destruction of the insured horse caused by accident, injury, illness, or disease

  • Theft of the insured horse or death/humane destruction directly resulting from theft

  • Emergency life-saving surgery and aftercare

    Optional extension (only if included in schedule)

  • Loss or damage to saddlery and tack 

    Optional extension (only if included in schedule)

  • Veterinary fees for injury, illness, or disease during insurance period up to sum insured

    Optional extension (only if included in schedule)

  • Expenses for disposal of horse’s body after death from covered loss

    Optional extension (only if included in schedule)

What is covered by equine mortality insurance?

selected option

Insurer

Victor Insurance Australia

Please refer to the appropriate policy wording to find out detailed policy terms, benefits, conditions and exclusions.

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Death of the insured horse

Payment up to the sum insured will be made if the horse dies or is humanely destroyed due to accident, injury, illness, or disease during the insurance period or within 90 days after, if notified on time.

Theft of the insured horse

Covers theft of the insured horse or death/humane destruction directly resulting from theft.

Life saving surgical fees extension*

Covers emergency life-saving surgery and aftercare (up to 15 days) and veterinary treatment for snake bites.

Stallion permanent total disability extension*

Covers stallion becoming impotent, infertile, or incapable of serving mares due to accident, injury, illness or disease.

Saddlery and tack Extension*

Covers loss or damage to saddlery and tack up to sum insured.

Disposal cost extension*

Covers expenses for disposal of horse’s body after death from covered loss.

Veterinary fee cover extension*

Covers veterinary fees for injury, illness or disease during insurance period up to sum insured (deductible of AUD 500 per claim applies).

Death of the insured horse

Exclusions include death due to quarantine disease outbreaks, intentional slaughter (except agreed cases), surgical operations not emergency life-saving, medication not prescribed by vet, malicious acts, neglect, or use outside stated purpose.

Theft of the insured horse

Excludes losses from unexplained disappearance or fraud-induced voluntary parting.

Life saving surgical fees extension

Excludes elective surgery, pre-existing conditions, non-vet performed surgery, and death benefits.

Saddlery and tack extension

Excludes clothing, wear and tear, mysterious disappearance, malicious damage by insured, and a deductible applies.

Veterinary fee cover

Excludes routine treatments, pre-existing conditions, elective surgery, complementary treatments (unless authorised), and certain diagnostic costs.

General exclusions

  • No cover for death from Hendra Virus unless vaccination is current and verified.
  • No cover for tetanus-related death unless current tetanus certificate provided. 

Why Marsh?

Why choose Marsh for your equine horse mortality insurance?

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Trusted by 130 associations

We are proud to be the endorsed insurance broker for more than 130 industry groups and member associations nationwide, developing insurance solutions that help meet the risk and insurance needs of businesses across a variety of industries.

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Local expertise

Our nationwide network of brokers have spent years at the coalface supporting business owners manage their unique risks in a fast-changing market. They keep ahead of the latest market insights both local and global and break down the jargon into your language.

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Claims support

Handling an insurance claim can quickly become overwhelming, not least when your time is stretched to the limit keeping your business going in the backdrop. We help take the load off and manage, negotiate and settle claims with insurers on your behalf.

Additional cover we can arrange

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Products and services

Commercial vehicle and fleet insurance solutions

Designed to keep your business vehicles and fleets on the road.

Learn more

Frequently asked questions

No, the policy will not respond to any illness, sickness or disease or physical condition which was present or diagnosed before the policy was incepted.

Yes, if the Equestrian horse value is over $5,000 or All foals require a certificate from 24 hours to 29 days.

Yes. This policy is appropriate for eventing, dressage and showjumping horses.  Other Equestrian disciplines may be covered, please contact us to learn more.

No. This policy cannot accommodate bloodstock thoroughbreds.

The horse mortality insurance product does not include a Public Liability component.  Equestrian Australia members have Liability Insurance protections within their membership.

Rodeo saddle or Bareback Bronc riding, “pick-up” horses at rodeos, hazing horses in steer wrestling & steer undecorating events.

This policy will not provide or respond to any loss of use earnings following the death of the horse.

This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances.

Marsh Pty Ltd (ABN 86 004 651 512, AFSL 238 983) (“Marsh”) and Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238 369) (“MAI”) arrange the general insurance (i.e. not the Discretionary Trust Arrangement) and are not the insurer.

Discretionary Trust Arrangements are issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417 964) (“JGS”). Any advice or dealing in relation to a Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). The cover provided by a Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.

For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements (PDSs) available from the relevant product issuer. Target Market Determinations (TMDs) are available here.

Marsh, MAI, JGS and JLT are all businesses of the Marsh group.

*Optional extension (only if included in schedule)

LCPA 26/1624