We are not insurance brokers. We are, however, asked about this constantly — usually right after a colic scare. Here is what owners tell us matters.
Common cover types
- Mortality — pays an agreed value if the horse dies or is put down on veterinary advice.
- Veterinary fees — usually capped per condition, per year, with exclusions.
- Loss of use — pays where a horse can no longer do the job it was insured for.
- Public liability — covers damage or injury your horse causes to others.
What usually is not covered
- Pre-existing conditions
- Routine and preventative care such as worming and dentistry
- Conditions arising from demonstrable neglect, which is where feeding records come in
Why records matter
When a claim involves colic, ulcers or laminitis, insurers frequently ask what the horse was being fed. Being able to produce a dated feeding plan and a laboratory analysis for the forage moves the conversation on considerably.
Every GoldFields order ships with an analysis sheet, and every feeding plan we write is dated and kept on your account. Keep them.
Before you sign
- Check the per-condition cap, not just the annual one
- Check how the insurer values your horse and what proof they want
- Ask what they require for a colic surgery pre-authorisation
- Tell them about any historical condition — non-disclosure voids policies