Specialised Insurance Cover for

Your Cherished Horses

Mortality

In the unfortunate case of death due to disease, accident or humane euthanasia (decided by a  veterinarian surgeon), the insured amount will be paid in full.

This value is determined by age and use of the horse

A veterinary certificate is only necessary for horses valued over R 500,000 (five hundred thousand Rand). For values below this amount a declaration of health disclosing any preexisting conditions if any will be completed and signed by the insurer on acceptance of the quote.

Identification of the insured horse. Passport, microchip, identification by a veterinary surgeon or a colour photograph of the insured horse will be acceptable

SASRIA on Mortality

This is a legislated mandatory extension of your Mortality Cover.  This protects you against loss of your horse due to riots, strikes, terrorism, civil commotion, public disorder and labour disturbance.

Public Liability

In the case that the insured horse causes damage or injury to a third party or their property due to negligence, an amount of no more than R 1 000 000 (one million rand) in liability claims is available.

Personal Accident

This cover refers to bodily injury or permanent disability caused by accident, directly related to the riding, handling or grooming of the insured horse. The person affected must be between the ages of 18 years and 70 years and disclosed in advance as the beneficiary of the policy related to a specific horse. The maximum value claimable is R 100 000

Loss of use

Loss of use is available in parallel with mortality cover. In the case that the horse insured can no longer be ridden for their disclosed function indefinitely, but humane euthanasia is not necessary, up to 50% of the insured value will be paid to the insured.

A comprehensive 5 stage veterinary certificate is needed for this cover

Exclusions: Polo, polo cross, breeding and endurance

Medical Insurance Plans

  •   Hospital +
      This is defined as any emergency, life threatening, in hospital surgery or in the case of Confidence and Capacity in hospital treatment as well. Cover is per event and no excess applicable.
  •   Hospital + MedAid
      This ONLY covers emergency, life threatening in hospital surgery, unlimited occurrence but independent events to the value of R 60 000 per event. This may include up to 8 days post-surgical in hospital treatment not exceeding the R 60 000 per event

    This Medical Aid cover offers R25 000 accumulative annual limit for in and out of Hospital Emergency and Non-Emergency treatments.

    The cover is subject to

    o   limits per category,

    o   waiting periods and

    o   Exclusions may apply to pre-existing conditions.

  •   Hospital + MedAid
      Emergency, life threatening in hospital surgery or in hospital (non-surgical) treatment unlimited occurrence, but independent events to the value of R40,000 per event. This may include up to 8 days in hospital treatment not exceeding the R40,000 per event. This medical aid cover offers R50 000 accumulative annual limit for in and out of hospital, emergency and non-emergency treatments as well as routine expenses including dentistry, deworming, vaccinations and physio therapy. The cover is subject to limits per category, waiting periods and exclusions may apply. MedAid Confidence includes Hospital + Capacity Max Cover to the value of R 100 000 limit per event. A veterinary certificate is needed on application.
  •   Hospital + MedAid
      Emergency, life threatening in hospital surgery or in hospital (non-surgical) treatment unlimited occurrence, but independent events to the value of R60,000 per event. This may include up to 8 days in hospital treatment not exceeding the R60,000 per event. This medical aid cover offers R50 000 accumulative annual limit for in and out of hospital, emergency and non-emergency treatments as well as routine expenses including dentistry, deworming, vaccinations and physio therapy. The cover is subject to limits per category, waiting periods and exclusions may apply. MedAid Confidence includes Hospital + Capacity Max Cover to the value of R 100 000 limit per event. A veterinary certificate is needed on application.
  •   Hospital +
     

    Emergency, life threatening in hospital surgery or in hospital ( non –surgical)treatment, unlimited occurrence but independent events to the value of R100 000 per event. This may include up to 8 days in hospital treatment not exceeding the R 100 000 limit.

Foetus Cover

The foetus can be covered for the unfortunate case of being aborted or being still born. Cover from 42 days of last service date to 30 days old. The mare must have a minimum mortality cover. Veterinary evaluations required.

Foal cover

All available insurance cover can be placed on a foal from 24 hours old. This requires a veterinary certificate.

Stallion Infertility Cover

This policy protects a breeding stallion from acute onset of infertility due to disease or accident.

Transit

30, 60, 90 or 120 Days cover is available at a proportionate rate. The percentage rate is calculated on the nominated value of the horse proportionate to the period of time covered. This product is of most benefit for horse in transit.

Tack cover

In the case of theft or irreparable damage to any tack insured at fair market value, compensation for this equipment will be made to the insurer.

Horse Box Cover

In the case of theft, fire, third party claims or certain damage to your horse box or truck compensation up to the insured value will be paid.

National Horse Trust