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Products and services

Equine insurance for horse owners in Australia

Your horse is a valued companion, an athletic partner, and often a significant financial investment. Marsh arranges equine mortality insurance and optional extensions to help protect horse owners across Australia.

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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)

Types of horse insurance available in Australia

Horse insurance in Australia can cover a range of risks depending on your needs as a horse owner.
Understanding the types of equine insurance available can help you choose the right level of protection for your horse.

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Equine mortality insurance

Covers the death or humane destruction of your horse due to accident, injury, illness, or disease. This is the core cover arranged through this page and can help protect your financial investment in your horse.

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Veterinary fee cover

Helps with the cost of treating your horse for injury, illness, or disease. This is available as an optional extension to the equine mortality policy arranged by Marsh.

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Loss of use cover

Helps provide financial protection if your horse can no longer perform its intended purpose, such as competition or breeding. This type of horse insurance is not included in the policy arranged through this page and would need to be sourced separately.

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Saddlery and tack cover

Protects your riding equipment against loss or damage. This is available as an optional extension to the equine mortality policy.

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Public liability for horse owners

Helps to protect you against third-party injury or property damage claims arising from your horse or equestrian activities. This is not included in the equine mortality policy. Please contact us to arrange a public liability insurance quote.

Cover for professional and recreational horse owners

Whether you ride professionally or keep horses for recreation, equine insurance can help protect your investment.
A Marsh broker can help you assess the right level of horse insurance for your situation.

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Professional riders and breeders

If you compete in eventing, dressage, showjumping, or breed horses commercially, your horses may represent a significant financial investment. You may want to consider higher sum insured limits, veterinary fee cover, and stallion disability extensions to match the value and use of your horses.

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Recreational horse owners

If your horse is a companion or used for leisure riding, equine mortality insurance can still provide valuable protection against unexpected events. Even horses kept for recreation can incur significant veterinary costs following an accident or illness, and the loss of a horse can be both emotionally and financially difficult.

What is covered by equine mortality insurance?

selected option

Insurer

Victor insurance Australia

Please refer to the 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 may 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.

Except for what’s not covered

Theft of the insured horse

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

Except for what’s not covered

Life saving surgical fees extension*

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

Except for what’s not covered

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.

Except for what’s not covered

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).

Except for what’s not covered

General exclusions

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

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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.

General exclusions

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.

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. Please contact us to arrange a public liability insurance quote.

Rodeo saddle or bareback bronc riding, “pick-up” horses at rodeos, hazing horses in steer wrestling and steer undecorating events.

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

The cost of equine insurance in Australia depends on several factors, including the insured value of your horse, its age, breed, and intended use. Optional extensions such as veterinary fee cover, saddlery and tack cover, and stallion disability cover will also affect your premium. The excess amount you choose and your claims history may also play a role. To get an accurate quote for your horse, request a call back from one of our brokers.

If your horse represents a significant financial investment, horse insurance can provide valuable protection against unexpected events such as illness, injury, theft, or death. Even for recreational horse owners, the cost of emergency veterinary treatment or the sudden loss of a horse can be substantial. Equine mortality insurance helps ensure you are financially prepared and can manage the risks associated with owning and caring for horses in Australia.

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 26/3018