Horse Vet Fees Insurance
From £8.40 per month + Membership Perks
- Lifetime cover* for accidental external visible injuries
- Add horses any age over 30 days, any value, no vetting required
- Include multiple horses under one simple plan, no extra cost
- No premium price increases when you claim, loyalty rewarded
A lifetime of insurance for horses and riders + perks
Because accidents can happen, and vet bills could reach thousands. With Harry Hall, you get peace of mind and money‑saving perks.
Why horse owners choose us:
- Cover any age from 30 days and any value because every horse matters.
- Share your vet fee claim limit across multiple horses, no extra premium, no hidden fees.
- No vetting required, get covered online in minutes, no hoops to jump through.
- Everyone pays the same price even if you claim, we reward loyalty with vouchers, not penalties.
- Exclusive member perks, shopping discounts, free UK delivery, and free legal support.
“Thank you very much. It’s been a worrying time however, the way in which you have dealt with the claim, has made a huge difference and taken the financial worry away, so thank you very much”
Tara’s horse Luna was kicked by another horse in the field and suffered an accidental external visible injury to their leg.
Claim amount paid: £3,110
Types of Vet Fee Cover you can add on to your membership:
Emergency vet bills can reach thousands, especially for catastrophic injuries.
We keep it simple, cost-effective, and transparent with our popular accidental external visible injury cover.
Our £1.5K or £3K catastrophe cover keeps premiums low while protecting what matters most.
Share up to £3,000 (or £1,500 if you choose that limit) vet-fee cover across four horses under one policy, keeping premiums low without sacrificing flexibility.
Colic surgery is one of the most common and costly equine emergencies, often exceeding £3,000.
Unexpected veterinary bills can be stressful and financially challenging.
So having insurance in place can give you peace of mind that your horse will receive the care they need without delay.
Add this cover easily for a set premium. We make it simple and cost-effective.
It covers up to £5,000 for colic surgery and aftercare related to the surgery.
We’re unable to cover horses over 15+ years simply because the risks are greater. We want to make sure we’re always acting in the best interest of your horse’s health.
Losing your horse through theft or death is devastating, financially and emotionally.
Add on Mortality, Theft and Straying for horses up to the value of £5000, no vetting required.
Protect against one of life’s worst-case scenarios with no extra charges for “bespoke” policies. We offer transparent pricing without hidden surprises and also membership perks.
We’re unable to cover horses over 29+ years.
The loss of your horse is devastating when it happens, and the associated costs for euthanasia and disposal can add extra stress in an already difficult time.
These costs can come unexpectedly and can be significant, so having cover ensures you can act quickly and compassionately without financial worry.
For just £2 per month, we provide up to £300 towards euthanasia and disposal costs, helping to ease the financial burden during a challenging time.
This cover only applies in cases of accidental external visible injury and colic surgery* ensuring support when it’s most needed.
*But only If you have also bought additional colic cover through us.
What is Catastrophe Horse Vet Fee Insurance?
Horses are unpredictable – a slip in the field, a kick from another horse, or a misstep on the road can lead to serious injuries and expensive vet bills, and even minor cuts can require stitching, antibiotics, and follow-up aftercare.
Catastrophe Horse Vet Fee Insurance helps cover the cost of unexpected veterinary bills caused by accidental external visible injury only; (AEVI) injury caused by accidental, violent and visible means where your horse has a visible external wound.
The cover is designed to keep premiums affordable while covering the most common and costly emergencies horse owners face.
It protects you from some of life’s worst-case scenarios without paying inflated premiums for high cover levels you may never use.
Tip: Always check if your policy covers accidental external visible injury (AEVI), as this is where most real-world claims can happen.
Real Claims from Our Members
What Is Covered Under Catastrophe Horse Vet Fee Insurance?
You hope your horse never needs emergency treatment, but accidents happen and the costs can be significant.
With catastrophe vet fee cover, your horse is protected against unexpected expenses from accidental external visible injuries such as:
- Cuts and wounds
- Lacerations from kicks, bites & falls
- Puncture wounds
- Injuries from collisions or accidents while riding
Even if you never make a claim, having cover gives you assurance without the financial risk of unexpected bills. Why take the chance when protection starts from just £8.40 per month?
“Thank you for your help, you have been very easy to deal with, we’re back competing at BE90 in the Badminton Grassroots and he won last weekend!”
“Thank you for your help, you have been very easy to deal with, we’re back competing at BE90 in the Badminton Grassroots and he won last weekend!”
When Tamsin’s horse was kicked by another horse in the field and suffered an accidental external visible injury to their leg Harry Hall One Club was there to offer immediate support.
Claim amount paid: £664.10
One Price. Multiple Horses. No Favourites.
Most insurers charge per horse, making multi-horse ownership expensive and complicated.
- We keep it simple: no extra cost for adding horses, no separate policies or renewal headaches, and no inflated premiums for caring about your whole herd.
- Insure up to 2 horses under one policy as standard, and if you need more our Gold Family and Platinum Memberships cover up to 4 horse per Vet Fee policy.
- Share your claim limit across all horses on your policy without hidden fees and enjoy peace of mind.
Why Harry Hall for your horse insurance?
“Many thanks. I’ve been so impressed with Harry Hall insurance. You’ve softened the blow of Archie’s horrid accident with a very easy and swift process.”
“Many thanks. I’ve been so impressed with Harry Hall insurance. You’ve softened the blow of Archie’s horrid accident with a very easy and swift process.”
Julia’s horse Archie fell down a riverbank whilst on a hack and suffered an accidental external visible injury to their legs and chest.
Claim amount paid: £1,037.45
How to select your membership
Start a chat with our team 9am-5:00pm Monday to Friday if you’d like a rundown of Bronze to Platinum and everything in-between!
£10M public liability cover
£10K personal accident cover
Access to exclusive insurance policies
Affiliated event cover
Enhanced
Rider fracture cover
£50K equine legal expense cover
Legal helpline & will writing
70+ legal documents like horse sale contracts
24/7 counselling helpline
Free UK delivery & returns on HarryHall.com
App prize giveaways
Free & discounted equestrian event tickets
Charity donations when you order
Welcome, renewal and referral gift vouchers
Single Cover for a maximum of:
Family Cover for a maximum of:
Gold
Add from £2 per month
1 Rider
2 Horses
4 Family Members
4 Horses
Gold Plus
Add from £2 per month
1 Rider
2 Horses
4 Family Members
4 Horses
Platinum
Add from £2 per month
1 Rider
10 Horses
4 Family Members
10 Horses
Bronze
Gold
Gold Plus
Platinum
£10M public liability cover
£10K personal accident cover
Access to exclusive insurance policies
Affiliated event cover
Enhanced
Rider fracture cover
Add from £2 per month
Add from £2 per month
Add from £2 per month
£50K equine legal expense cover
Legal helpline & will writing
70+ legal documents like horse sale contracts
24/7 counselling helpline
Free UK delivery & returns on HarryHall.com
App prize giveaways
Free & discounted equestrian event tickets
Charity donations when you order
Welcome, renewal and referral gift vouchers
Single Cover for a maximum of:
Family Cover for a maximum of:
1 Rider
2 Horses
4 Family Members
4 Horses
1 Rider
2 Horses
4 Family Members
4 Horses
1 Rider
10 Horses
4 Family Members
10 Horses
How to insure your horse online with Harry Hall
1
Step One: Choose your One Club Membership
Vet Fees Insurance is only available to One Club Members. You can join online during your quote.
- Find out more about the benefits of the One Club
- Already a member? Login to purchase Vet Fees Insurance
2
Step Two: Pick your annual vet fees claim limit
- An excess of £165 applies to each and every claim
-
Your claim limit can be shared between two horses as standard. Upgrade your membership to cover up to four.
- Check out our claims process
- See terms and conditions
3
Step Three: Add optional extras
Enhance your cover with the following add-ons, available 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.
+£259.92 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.
+£69 per year
You can purchase all of the above online in minutes today.
No need to wait for a price.
“Our Catastrophe Vet Fee Insurance is a popular choice with our members.”
“They choose this because most emergency treatments cost under £3,000.
It covers up to four horses, keeps premiums low from £8.40 per month, and protects against the accidents horse owners face.
And could save you from paying higher premiums upfront for cover you may never use”
Jo’s horse was injured in the field, suffering an injury to their face and we were there to help every step of the way.
“Thank you so much! It has been a pleasure working with you”
Claim amount paid: £157.97
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
Admin Fees
- Premiums are inclusive of Insurance Premium Tax at 12.00% and a £19.00 administration fee.
- 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.
- 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
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
- 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 Entry, 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.
We aim to offer insurance for your horse throughout its lifetime, giving you peace of mind as they age. However, some covers have age limits to keep premiums low and fair for all members. For example, colic cover is available up to 15 years old, and mortality cover up to 29 years old. These limits reflect the increased risk and cost of claims as horses get older.
There is a 24 hour exclusion period of your policy being active. This means your horse is protected after day one for accidental external visible injuries. But always check your policy wording for full details, or a member of our team would be happy to clarify.
Please register with your horse’s passport name and number, not their stable name.
Vet Fee Insurance is available on an annual subscription with an option for monthly payments.
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’, 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.
Making a claim is simple:
Please check the type of claim you wish to make and refer to your policy documents for all the applicable *terms and conditions.
Follow our claims page link below and you will be guided accordingly.
- Log in to your insurance portal.
- Select ‘Make a Claim’ and upload your vet’s invoice and treatment details.
Our team will review and process your claim quickly, 98% of claims are paid.
Need help? Call us on 01274 711 011 or request a call back.
Current customer?
Important Information
- Harry Hall and HarryHallInsuranceBrokers.com are trading names of Harry Hall International Limited. Harry Hall is an insurance broker (intermediary) and not an insurer (insurance provider). 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.
- 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.
- 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.
- We pay more than 99% of valid claims within 14 days of receipt of all the relevant information. Based upon internal data, not a guarantee. Always check your policy documents terms and conditions to ensure you qualify before placing a claim.
- We provide annually renewable vet fee cover providing protection for accidental external visible injuries throughout your horses’ lifetime.
- Member-only discounts that could save you at least £193 per year, available to active One Club members only. Partner discounts subject to availability. Minimum spend may apply. Harry Hall cannot guarantee redemption of partner offers. Full terms and conditions at One Club Terms, Conditions and Policy Documents.
- 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 “manage my policy” section of the website. You will also be emailed your policy documents and important phone numbers.
