Veteran Horse Insurance
Keep your senior horse happy and healthy with veteran horse insurance. Tailor your coverage and pay only for what you need.
At Harry Hall, we understand the special bond you share with your senior horse.
That’s why we arrange fixed price policies in our Gold and Platinum memberships and vet fees insurance that you can match to your budget and circumstances. The horse insurance coverage could be matched to meet the unique needs of older horses. From accidental external injury vet fees insurance to liability protection with no upper age limit, we offer peace of mind, ensuring your senior horse remains financially protected.
What is veteran horse insurance?
Veteran horse insurance is a type of horse insurance targeted towards or appropriate for veteran or mature horses ie. horses over the age of 15. Insuring an older horse is generally associated with age limits, exclusions and higher premiums due to the higher risk of illness or injuries that may occur.
Veteran horse insurance is generally used as a way of maintaining cover for mature horses, or those with prior conditions, that become too expensive for owners to insure on a comprehensive policy. Owners tend to accept it won’t cover all vets bills anymore but they have peace of mind in case of a big public liability claim or unexpected yard accident.
Do you need to insure your older horse?
There is no legal requirement to insure your horse no matter what age they are. However, it’s often advisable to consider insuring your horse, especially an older one. Even though it may seem less necessary to insure a veteran horse compared to a younger one, it’s important to consider the implication of not insuring it.
Veterinary fee insurance doesn’t always have to cover chronic conditions or illnesses but focus on accidental injuries instead which can be less costly to insure.
Even older horses can cause damage or injury to properties or people which could be covered with public liability insurance no matter the age of your horse. In the event of your horse’s passing away due to an AEIO, mortality or disposal coverage can provide financial help too.
Understand your veteran horse insurance cover options
At Harry Hall cover for veteran horses comes from a combination of Gold or Platinum membership with accidental external injury vet fees insurance policy.
- Gold and Platinum One Club membership provides £10m Public Liability and £10k Personal Accident insurance with no age limits to consider for your horse. Memberships start from £4.92 per month.
- Our Vet Fees Insurance offers a shared claim limit for accidental external visible injuries and is available for any horse over 30 days old. Vet fees cover can be added to your membership from £8.40 per month.
Got more than one horse? As standard you’ll be covering a max of 2 horses with our memberships but a Platinum membership covers as many as 10 horses.
Colic surgery excludes horses over 15 years old as a result of their increased risk. Policies that cover illnesses like ulcers, kissing spine and laminitis frequently exclude older horses or cost significantly more – we focus on making horse ownership more affordable instead.
But the public liability included in the Gold and Platinum membership and the accidental, external injury vet fees policy have no upper age limit as standard. The price you see is the price you pay no matter the age of your horse.
Head to our product pages to find out more about terms, conditions and exclusions.
Why choose Harry Hall for your veteran horse
insurance?
At Harry Hall we give our customers the choice to pay for only what they feel they need for their older horse. The above products have no upper age limit
We’re rated excellent and 4.8 out of 5 stars
Rachel says: “Hastings, my 27-year field companion, has never been ridden due to a spinal injury at birth.
A few weeks ago, he crashed through a fence and landed in nettles, leaving him badly cut and in shock from the stings. I feared the worst, but the vet arrived quickly, treated him with sedation, stitches, and antibiotics.
Thankfully, he recovered well. When the £852.61 vet bill arrived, I was so relieved it was covered by my Harry Hall vet fees insurance.”
Excellent based on 15,000 from
Frequently asked questions
Horses are considered veterans from around 15 years and older.
Whilst policies frequently do, the combination of public liability included in our Gold and Platinum memberships and vet fees insurance have no age limits. That means older horses with existing ailments can still be covered. The only exception is our colic surgery which excludes horses over 15 years old as a result of their increased risk.
Horse insurance arranged by Harry Hall is multi-horse as standard covering up to 2 horses. If you require insurance for more than two horses, take a look at the Platinum memberships which allow you to insure a maximum of 10 horses.
Yes, you can insure a veteran horse and a younger horse on the same policy. Since the horse insurance covers up to 2 horses as standard, you can include both when you take out your policy. Adding and changing horses mid term to your shared claim limit is also possible too (see our terms for information on any charges).
Yes, it’s easy to update your coverage to fit your horse’s needs should they change. You can simply update or change horses in in our online portal or give our friendly customer service team a call before your renewal to discuss an upgrade or downgrade to your policy cover at the renewal on 01274 711011.
Whilst vettings are common for many horse insurance policies; at Harry Hall, horses can get insured without the need for a costly vet visit.
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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.
- 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.
