Horse Vet Fees Insurance
- Share your claim limit between multiple horses as standard.
- Pay for only what you need.
- Protect your horse for accidental external visible injuries.
FCA Regulated 
Vet Fees Insurance, in summary
From only £8.08 per month
- Cover for accidental external visible injuries only
- Two claim limit options for flexibility on price
- Share your claim limit between multiple horses and multiple claims
- No increase in premiums when you claim*
- Available for horses older than 30 days old and veteran horses covered as standard
Need some friendly, Yorkshire support? Call us on 01274 711011
How to insure your horse online with Harry Hall
1
Pick your Harry Hall One Club Membership first
Horse Veterinary Fees Insurance is exclusive to One Club Members. It’s easy to join online when purchasing your insurance and unlocks a whole host of perks too.
- Find out more about the benefits of the One Club
- Already a member? Login to purchase Vet Fees Insurance
2
Choose your vet fees claim limit
How much you could claim per year for vet fees related to accidental external visible injury only.
Did you know? This policy is multi-horse as standard just like our Gold and Platinum memberships.
- See terms and conditions
- An excess of £165 applies to each and every claim
- Claim limit can be shared between 2 horses as standard (upgrade membership to increase up to 4)
- Check out our claims process
3
Select your add-ons
Looking to add more cover to your plan? The following extras can be added online
Cover for the costs resulting from colic surgery, up to £5,000. For any one claim and in the aggregate. Excess of £500 per claim. Annual policy inclusive of Insurance Premium Tax at 12.00% and a £26.00 administration fee. The policy excludes horses aged 15 years or older, at inception or renewal of the policy.
+£260 per year
- In the event that your horse sustains an Accidental External Visible Injury that results in their death or humane destruction, the theft of the horse or it straying; the insurance will pay out a maximum of the lesser of the horse’s market value or £5,000 in the aggregate per policy term.
- No vetting required.
- Insured £5,000 limit in the aggregate with £165 excess.
+£260.40 per year
Costs up to a sum insured of £300, which would contribute to the cost of euthanasia and disposal of the horse as a result of an accidental external visible injury. This section does not carry an excess. Annual policy inclusive of Insurance Premium Tax at 12.00% and a £6.20 administration fee.
+£24 per year
£1,000 sum insured with £200 excess. Annual policy inclusive of Insurance Premium Tax at 12.00% and a £17.00 administration fee.
Equine saddlery and tack that is kept at home or in an outhouse , or frequently transported to and from events, is at risk. If your tack is lost, stolen or damaged, tack insurance will cover the cost of repairing or replacing your tack, subject to the security terms and conditions.
+£70 per year
You can purchase all of the above online in minutes today.
No need to wait for a price.
The Harry Hall Insurance way
We try keep things simple and transparent at Harry Hall. Most of our equine insurance policies are available to buy online in minutes and you can see the price right away.
- Monthly payments at no extra cost
- Only pay for what you need. Open and transparent pricing.
- Your membership and insurance information on the move in our app
- All the perks of One Club membership
- Donation to charity every time you order
We’re rated excellent and 4.8 out of 5 stars
Claire says: “Absolutely over the moon with the help I received today regarding upgrading my account and adding vet fees cover for both my horses. Thank you so much”
Excellent based on 15,000 from
Policy summaries
Policy summary
- Cover is provided for accidental external injury only; injury caused by accidental, violent and visible means where your horse has a visible external wound excluding strains of tendons and ligaments.
- There is a limit of £1,500 or £3,000 (dependent on claim limit selected) for any one claim and in the aggregate across the policy period.
- Cover is restricted to a maximum of two horses which you own or have on full loan, or four horses if you have a Bronze, One Club Gold Family or Platinum Membership, as named on the certificate of insurance.
- An excess of £165 applies to each and every vet fee claim.
Read the terms and conditions in full
Read policy documents
Download Vet Fee Insurance Product Information Document
Download Vet Fee Insurance Policy Wording
Admin Fees
- Premiums are inclusive of Insurance Premium Tax at 12.00% and a £19.00 administration fee.
Policy summary
- Cover is for colic surgery, and does not cover any bouts of colic that did not result in the horse undergoing surgery under general anaesthetic. There is a limit of £5,000 per claim and in the aggregate.
- Costs of after care is included up to a maximum of 50% of the cost of the surgical procedure or for no more than 15 days whichever is the lesser value.
- Cover is provided for a maximum of two horses which you own or have on full loan, or four horses if you have a Bronze, Gold Family or Platinum membership, as named of the certificate of insurance.
- An excess of £500 applies to each and every claim.
What’s not included
- The policy excludes horses aged 15 years or older, at inception or renewal of the policy.
- Cover is not available for any horses which has suffered from or shown signs of colic in the past.
- Livery costs (whilst at the equine hospital/boarding costs) are excluded.
Read the terms and conditions in full
Read policy documents
Policy summary
- Cover is provided for the market value of saddlery and tack that has been lost, stolen or destroyed owned by you up to the value of £1,000.
- An excess of £200 applies to each and every claim.
- Saddlery and Tack must be stored in a locked building, and cover for theft shall only apply if visible and violent force was used to enter the locked building.
Read the terms and conditions in full
Read policy documents
- In the event that your horse sustains an Accidental External Visible Injury that results in their death or humane destruction, the theft of the horse or it straying; the insurance will pay out a maximum of the lesser of the horse’s market value or £5,000 in the aggregate per policy term.
- No vetting required.
- Insured £5,000 limit in the aggregate with £165 excess.
Read the terms and conditions in full
Special exclusions apply to these extensions which can be read in full in the Policy Wording’s below. Horse age restriction of 30 days to 29 years applies.
Read policy documents
Policy summary
- Following death of the horse as a result of an accidental external visible injury, the policy will pay the costs of disposal fees and euthanasia charges up to a maximum of £300
Read the terms and conditions in full
Read policy documents
- You have 14 days from receiving the policy to write confirming that you do not wish to continue, any premium which has already been paid will be returned in full. After this 14 days you can cancel the policy at any time and a prorata refund will be issued minus a £15 admin charge or the balance of the policy is due, whichever is the lesser amount.
- Amendments to policies and copies of insurance certificates are chargeable with a small admin fee of £10 per policy/certificate. This includes adding or changing named horses.
- If payments fail or do not process for any reason, your cover will stop with immediate effect.
- Policies run for one year from the date of joining. Payments will be taken, monthly or annually depending on the options chosen during sign up and will recur until cancelled.
- If you have made a claim or you are aware of an incident that may give rise to a claim during the current period of insurance, then you must pay the annual premium in full.
More insurance options
Public Liability Cover
One Club Gold and Platinum members get £10M public liability and £10K personal accident as standard with the option of Enhanced membership including rider fracture cover.
Horse Trailer Cover
Be prepared for whatever the day brings with Harry Hall Trailer Insurance. Recovery, delivery and hire trailer costs included to ensure you and your horse get home safe.
Horsebox Insurance
We know that your horsebox is more than just a vehicle to get you from A to B. It’s transport you want to be able to rely on to help you travel with your horses.
Frequently Asked Questions
Yes, you will need to be a One Club member to benefit from Harry Hall’s horse insurance covers. However, it’s super simple to become a Bronze, Gold or Platinum member depending on your insurance and benefit requirements.
You simply select the membership you’d like at the start of the checkout process to unlock access to our Vet Fees, Horsebox and Horse Trailer policies.
Already a member? Login to your account to unlock access.
Please register with your horse’s passport name and number, not their stable name.
Our Vet Fee Insurance is available on an annual subscription or monthly payments, with no extra fees for spreading your payments monthly.
The veterinary fees section carries an excess of £165, the saddlery and tack section carries an excess of £200 and colic carries an excess of £500 which is payable on each and every claim.
Please read the policy wording for a full appreciation of the policy’s excess and related information.
Yes, but this can be easily updated online via your insurance portal. Click ‘Manage my policy’ at harryhall.com, login and click ‘manage my horses’ to add a new or remove a horse on your policy. Changes to your policy that require issuing new documents will incur a small admin fee as stated in your policy documents.
No, there are no personalised exclusions on this policy as the cover is only for accidental external visible injury only. The only case that such an injury would not be covered, is if it occurred prior to taking out the policy.
Current customer?
Important Information
- Equario Insurance (Guernsey) Limited, is registered in Guernsey under Registration Number 69867 and is regulated by the Guernsey Financial Services Commission. Equario Insurance (Guernsey) Limited’s registered office is Level 5, Mill Court, La Charroterie, St Peter Port, Guernsey GY1 1EJ.
- Harry Hall International Limited is authorised and regulated by the Financial Conduct Authority (FCA) our firm reference number is 968047. You may check this on the Financial Services Register by visiting the FCA website click here
- Personalised products are excluded from the FREE UK delivery offered to Gold and Platinum Members on HarryHall.com. Free delivery is offered to UK mainland customers only.
- The LawAssure platform and legal helpline is available to the following members: Purchased or renewed a Gold, Gold Family, Gold Plus, Gold Plus Family, Platinum or Platinum Family Membership after 1st February 2024 and over the age of 18. See full terms of service here.
- One Club Family members must all reside at the same address.
- Harry Hall donates £0.10p from new, single orders to our nominated charity partners. Please note the following exclusions apply: renewals and gift cards
- Shopping vouchers are delivered to marketing consented customers by email or in the One Club app and have a limited expiration and specific terms of use. Please refer to the email or promotion terms for further details and note that vouchers are single use for active members only and have a minimum order value.
- In an effort to reduce paper and plastic usage, One Club membership has moved online! To view your policy documents please log in to the Harry Hall App or visit the My Account section of the website. You will also be emailed your policy documents and important phone numbers.
