Equine & Livestock Insurance
AIS have been leading the insurance of Horse and Livestock of all descriptions since 1990 and offer a range of specialised covers.
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To obtain an insurance quote for horses valued at over $100,000 click here.
Equine Package Insurance: what’s insured
Section 1 – Mortality
Cover for death, or euthanasia on humane grounds, resulting from an injury or illness. We will pay up to: Sum Insured
Section 2 – Theft or Straying
Theft or straying where the horse is not recovered within 90 days, plus up to $300 for advertising and reward. We will pay up to: Sum Insured
Section 3 – Loss of Entry Fees
Loss of irrevocable entry fees up to $300 following a claim under Section 1 – Mortality. We will pay up to: $300
Section 4 – Public Liability
Cover for your legal liability in respect of accidental: i) death, bodily injury, illness, or disease of any person; ii) loss of, or damage to, tangible property arising from your ownership and use of the insured horse. This includes legal costs. We will pay up to: $1 Million, $5 Million or $10 million
Section 5 – Loss of Use
Restricted: Cover in the event of an injury or illness that results in the horse becoming totally and permanently incapable of fulfilling its principle use as stated. This does not cover infertility or cosmetic scarring. Horses aged 2 up to and including 20 years of age when cover commences. We will pay up to: 75% or 100% of Sum Insured, depending on keeping or euthanasing horse.
Breeding: Cover in the event of injury or illness that renders the Stallion/Colt totally and permanently impotent, infertile or incapable of natural service. Horses aged 2 up to and including 15 years of age when cover commences. We will pay up to: Sum Insured
Cosmetic: Covers permanent scarring following an injury, illness and/or cosmetic condition which renders your horse permanently incapable of fulfilling its principle use as stated in the schedule because of its appearance. Horses aged 2 up to and including 15 years of age when cover commences. We will pay up to: Sum Insured
Section 6 – Life Saving Surgery & Snake Bite Veterinary Fees
Reasonable veterinary fees for general anaesthetic surgical procedures performed to save the life of a Horse subject to the maximum limit of $5,000 during the Period of Insurance (or as specified in the Certificate). A $2,000 sub limit applies for veterinary treatment to save a Horse as a result of a diagnosed snake bite.
Section 7 – Saddlery and Tack
Loss or damage to your riding equipment up to the value of $20,000. We will pay up to: Sum Insured, up to $20,000
Section 8 – Personal Accident & Dental Cover
We will pay:
- $5,000 for death, permanent disability, loss of sight or limb.
- $2,500 for death if the deceased is under 18 years of age.
- $750 for dental treatment.
We will pay up to: $5,000 For a full explanation of the cover provided, including conditions and exclusions, please refer to the policy wording.
Click here to Get an Instant Quote Online Now.
To obtain an insurance quote for horses valued at over $50,000 click here.
Value of horse
This is up to the amount you paid for your horse or its current value. If you bred your horse or it has increased in value, you should call us to agree a higher insured sum.
Age of horse
The basic policy we offer provides cover for horses up to and including 20 years of age. For horses aged under 6 months or 12 years and over please call us for options on 1300 300 715.
A Veterinary Certificate will be required annually:
- If the horse is to be insured for over $25,000
- If the horse is 12 years of age or over when cover commences
- If the foal is under 6 months of age
- If the horse is to be used for Polo / Polocrosse / Endurance
- If the horse is to be insured for Loss of Use (Restricted, Breeding and/or Cosmetic).
Conditions for Restricted Loss of Use Examinations
i) Up to $25,000 sum insured:
Inception & Renewal Requirements: Veterinary Certificate including Flexion and Hoof Tests of all four limbs
ii) $25,001 to $100,000 sum insured:
Inception Requirements: Veterinary Certificate and X-Rays (see page 4 of the Veterinary Certificate for required views)
Renewal Requirements: Veterinary Certificate including Flexion and Hoof test of all four limbs
If lapse in cover (exceeding 2 weeks) then revert to Inception Requirements to reinstate policy
Loss Of Use
Insurance will apply where your horse suffers an accident or illness which prevents him/her fulfilling the purpose for which they were insured. Cover is 100% if you elect to have the horse put down or 75% if you elect to keep the horse as a pet. A Veterinary Certificate is required for horses insured for loss of use.
You can choose your sum insured, options are either $1 Million, $5 Million or $10 Million.
Congenital Infertility / Foaling Risks
You can insure this, for details you will need to call our Horse Insurance experts on 1300 300 715.
Security – How Secure Is Your Insurer?
AIS Horse Insurance is fully underwritten by insurers at Lloyds of London, one of the most secure insurers in the world as well as the leading international insurer of horses. These Tips cover some basic questions you may have about your Insurance. If you have a query that is not covered here, please call us direct on 1300 300 715.
Livestock Insurance enables you to cover your livestock of any description with a single policy. We can provide cover for:
- Working Dogs
- And almost any other type of animal possible.
It can provide cover against:
- Death due to an accident
- Death due to an illness or disease
- Loss of use due to an accident
- Loss of use due to an illness.
No matter how many animals you have, you can elect to insure them with AIS and the cover is provided anywhere in Australia and whilst in transit.
Making a Claim
Should you need to make a claim against your policy, simply download and complete a copy of our Claim Form.
One of the great things about having Horse Insurance with AIS is we provide a great claims service. Should you need help with your claim, call us anytime on 1300 300 715.
You will need to get a vets post-mortem examination completed on your horse which you will have to provide to us with a completed Claim Form.
You must be certain to get the claim form and vets reports to AIS within 60 days of the death of your horse. If your claim is for Theft, Straying or Malicious Damage to your Horse, you must make a report to Police then contact AIS Horse Insurance immediately so we can guide you through the claim process. In addition to the sum insured, we will pay up to $200 for a post mortem examination and autopsy report following a claim.
Please report any claim or possible claim immediately to AIS Horse Insurance by email at: email@example.com