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Equine Insurance: What Every Horse Owner Needs to Know

Equine Insurance: What Every Horse Owner Needs to Know

If you have ever owned a horse, then the chances are that you have been asked about the best equine insurance in NZ for your specific need. Equine insurance is a type of insurance policy that protects horses and their owners against various types of accidents, injuries, and illnesses. 

The most common equine insurance policies include:

What Is Equine Insurance?

An Equine insurance nz is a type of insurance that covers the cost of injuries to people, damage to other property, and the cost of caring for an injured horse. It also covers the cost of lost income if your horse is unable to work.

Horse owners should consider purchasing equine insurance as soon as possible--especially if they have an expensive or valuable animal.

Horse Liability Insurance

Horse liability insurance is a type of insurance that protects the owner of a horse against liability claims. It covers injuries to others, injuries to the horse itself, and property damage. It also covers the death of the horse in some cases.

The most common types of coverage include:

  • Personal Injury Coverage - This pays for medical expenses and other costs related to an injury incurred by someone else as a result of your horse's actions (e.g. if it bites someone).
  • Animal Liability Coverage - This pays for damages or losses that may occur when your animal causes harm unintentionally (e.g. if it spooks and runs into something). You may also want this type if you have livestock on your premises and someone gets injured while working around them. It would cover their medical bills and lost wages from missing work due to their injury.

Personal Injury Protection

Personal injury protection is a type of insurance that covers medical costs and lost wages in the event of an accident. It's also known as PIP or No-Fault Insurance.

Personal injury protection is mandatory in most states and can be purchased through your auto insurance company or a separate provider like an equine insurance company. If you don't have personal injury protection, it's up to you (and possibly your horse) to cover these costs out-of-pocket if something goes wrong on the road.

In addition to covering medical expenses incurred by riders and passengers who are injured in an auto accident. Some policies will also help with lost wages associated with being unable to work due to injuries sustained from riding accidents or other incidents involving horses.

If you own a horse, you should have equine insurance.

This type of coverage is an important part of protecting yourself and your animal from the unexpected costs that come with owning a horse. Equine insurance can help cover medical expenses, vet bills, and lost wages if your horse is injured or ill. 

It also covers liability claims in case someone gets hurt on your property because of something related to your animal.

You may be thinking: "But I don't need this kind of protection because my horse isn't dangerous!" Well, consider this: Accidents happen all the time where people are injured by horses--even ones who aren't known for being aggressive or difficult to handle.

 That's why it's so important to make sure that everyone who interacts with our beloved equine insurance nz knows how best to treat them when they're sick or injured so as not to create any unnecessary stressors during those already stressful times."


If you own a horse, it's important to make sure that you have the right kind of insurance. Equine liability insurance can protect you from lawsuits and personal injury claims, while PIP will help cover medical expenses if your horse injures someone else or damages property while being ridden by them. Both types of coverage are essential for anyone who rides regularly.

Source By: Equine Insurance: What Every Horse Owner Needs to Know

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