Stable Cover V1

AAA Rated Insurance

Stable Cover customers are supported by AAA Rated insurance that has already helped over 170,000 horses and over 50,000 customers.

The Benefits of Equine Insurance

Life with a horse is full of unexpected moments. They eat things they shouldn’t, are forever getting into trouble and, just like us, can’t help but get sick from time to time.

That’s where horse insurance has your back. A horse insurance policy covers the cost when your horse has an accident or falls ill – so you can get them the treatment they need without worrying about pricey vet bills.

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What vets really think about horse insurance

"Hearing the words 'they’re insured' from a horse owner brings such relief to us as veterinarians. It means that the cost of treatment becomes less of a barrier in making major medical decisions. Our choices can be based primarily on what is best for the horse.

I have been very impressed with Stable Cover and their prompt and fair handling of claim disputes. In my opinion, the decisions made regarding the claims are fair, timely, and compassionate."

Dr. Barrie Grant

Lead Surgeon, Equine Wobblers

Why Pick Stable Cover Horse Insurance

At Stable Cover, we're more than just insurance. We're your partners in equine care. We offer a suite of valuable resources and benefits to support you and your horse throughout their journey, even when you're not filing a claim.

24/7 Claims Support

Our 24/7 claims support is here to save the day whenever your horse needs it the most

Comprehensive Direct Billing

Our comprehensive direct billing system makes it as easy as carrot cake, and the invoice even includes your horse's name for that personal touch.

Flexible Coverage Levels

Choose from various coverage levels to match your specific needs and budget.

Dream Team of Equine Experts

Meet our dream team of horse-loving experts, from our underwriters to our claims adjusters! They're not just professionals, they're equine enthusiasts.

Increased Age Limits

All of our plans offer coverage for your veteran horses. While most equine insurance plans call it quits at age 18, our flexible options cover all stages of your horse's life journey through the age of 20.

Easy Online Management

Manage your policy, submit claims, and access support through a user-friendly online platform.

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Thank you for all your support and the incredible customer service you've provided throughout these last few months, and for concluding the mortality claim so rapidly. You are amazing.

-Helen

3 Perks of Owning Horse Insurance with Stable Cover

We always want to be there for you and your furry friend, even when you don’t need to claim on your pet insurance. That’s why we offer a range of pet perks worth up to £500 with every policy. Here’s what you can get your paws on. Offers may change at any time. Terms apply*.

Peace of Mind When Unexpected Costs Arise
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Owning a horse is a joy, but unexpected vet bills can be stressful.Stable Cover's horse insurance provides financial protection in case your horse gets sick, injured, or requires surgery.
This means you can focus on your horse's recovery without worrying about the cost.

Flexible Coverage Options to Suit Your Needs
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Every horse and owner is unique.
Stable Cover offers a variety of customizable coverage options to ensure your horse is protected for the things that matter most to you. Whether you need basic coverage or comprehensive protection, Stable Cover has a plan to fit your needs and budget.

Seamless Claims Process with Fast Payouts
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When your horse needs medical attention, the last thing you want to worry about is complicated paperwork.
Stable Cover makes filing claims easy and efficient.Their online platform allows you to submit claims quickly and receive payouts fast, so you can get your horse the care they need without delay.

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The perks of our pet insurance

Free petsitters

A year’s free Trusted Housesitters membership, worth £99. Offer ends 31/08/24. Terms apply*

Preventative pet care

Get discounted flea, tick and worming preventative treatment.

Special Offers

Enjoy exclusive savings on pet treats, accessories, DNA tests and more.

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What is Equine Mortality Insurance?

Equine mortality insurance is a type of insurance policy that provides financial compensation to the horse owner in the event of their horse's unexpected death. This coverage typically includes accidental death, illness, and euthanasia due to illness or injury. It offers crucial financial protection for horse owners, helping to offset the cost of replacing a beloved and often valuable equine companion.

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How much does horse insurance cost?

Among other factors, the cost of your horse insurance in the US will depend on:

Your horses breed
Their age
Where you live
How much your paid for your horse
Any pre-existing medical conditions they have
The policy you pick

The only way to know for sure is to get a horse insurance quote. Luckily, it only takes a few minutes.

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What does our horse insurance cover?

Horse insurance is there to cover the cost of unexpected vet bills when your pet has an accident or falls ill. That can include:

Vet visits

Any consultation or examination that isn’t a routine check up.

Treatment

Medications and surgery recommended by a vet, depending on your chosen policy.

Diagnostic tests

Including blood, urine or stool tests, plus any scans like X-rays, MRIs and CT scans.

But that’s not all we cover

There’s more to our pet insurance than just veterinary treatment. We’ll also cover you for:

Vet visits

Any consultation or examination that isn’t a routine check up.

Treatment

Medications and surgery recommended by a vet, depending on your chosen policy.

Treatment

Medications and surgery recommended by a vet, depending on your chosen policy.

Diagnostic tests

Including blood, urine or stool tests, plus any scans like X-rays, MRIs and CT scans.

We provide cover where some others won’t

Pre-existing conditions

All of our pet insurance policies cover conditions that haven’t needed any treatment, medication or advice for two years or more. We also have a dedicated Pre-existing policy for pets that can cover more recent conditions.

Complementary treatments

If your pet is referred by a vet for hydrotherapy or another complementary therapy, you have cover within your vet fee limit. The level ranges from £500 to £2,500 depending on your policy.

Dental treatment

Our Complete pet insurance policy covers dental accidents and illness, as long as your pet’s had a dental check-up within the last twelve months, and you’ve followed any dental treatment recommended by a vet within six months. All our other policies cover dental accidents.

Pregnancy

Pet insurance doesn’t usually cover pregnancy complications, but some of our policies will cover them in a first pregnancy only, after you’ve had your policy for six months.

Behavioural cover

We’ll cover behavioural treatment that’s needed as a result of an accident or injury when recommended by your vet.

Emergency vet care

We’ll cover any necessary out of hours treatment up to your vet fee limit, with no limits or exclusions, unless your vet advises that your pet can wait.

What doesn’t pet insurance cover?

Vaccinations – The average cost of initial vaccinations
Microchipping – It’s inexpensive, but microchipping is now compulsory for cats as well as dogs.
Spaying and neutering – The average cost to neuter a dog in 2022 was £221 (male) and £299 (female). Cats were cheaper to neuter at £76 (male) and £107 (female) on average.
Preventative dental care – The cost of dental cleaning and other routine preventative dental appointments for your pet aren’t covered by pet insurance.

Save on preventative care

The ManyPets Preventative Pet Care

Discounted flea, tick and worming treatment, exclusively for ManyPets members.

Safe, proven, non-prescription parasite treatment.

Transparent Policies, No Hidden Clauses

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The ManyPets reviews are in

You don’t just have to take our word for it about our pet insurance. Here are just a few of the thousands of five-star reviews ManyPets members have written about our cover on Feefo.

Simple Insurance, High Coverage

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saved my horse!

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The best company

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Horse Insurance FAQs

What does horse insurance cover?

Stable Cover offers a range of customizable insurance plans to fit your specific needs.

‍Our EquineLife Essentials policy typically includes:
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‍Equine Mortality Coverage: This coverage provides financial protection in the event of your horse's death due to accident, illness, disease, humane destruction (as recommended by a veterinarian), or theft (with a filed police report).
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‍Surgical Coverage: This coverage helps cover the costs of surgeries performed under general anesthesia for accidents, injuries, lameness, illness, or disease.By offering these core coverages, Stable Cover helps you protect your horse's well-being and your financial investment.

How much does horse insurance cost?

The cost of your horse insurance policy will vary depending on several factors, including the breed, age, value, and level of coverage you choose. We offer a variety of plans and customizable options to ensure you get the coverage you need at a price that fits your budget. Get a free quote today to see personalized rates!

What are the benefits of having horse insurance?

Horse insurance provides financial protection in case your horse gets sick, injured, or requires surgery.
It can help you cover unexpected veterinary bills and give you peace of mind knowing your horse is covered. Stable Cover also offers additional benefits like a user-friendly claims process and a dedicated team to support you throughout your experience.

How do I file a claim?

We make filing a claim easy! You can submit a claim online through our secure portal.

1. Gather your documents: Make sure you have your finalized invoice (your vet bill) and your horse's medical records ready.
2. Submit your claim: Follow the instructions on the claim form to submit your claim online or by contacting Stable Cover directly.
3. Set up direct deposit: For the fastest reimbursement, set up direct deposit to receive your payment directly into your bank account within 5-10 days.
4. Await payment: Once your claim is approved, you'll receive your reimbursement within 3-5 days via direct deposit.

Can I get covered if my horse has a pre-existing condition?

Coverage for pre-existing conditions will vary depending on the specific condition and the severity. We encourage you to be upfront about any pre-existing conditions when requesting a quote so we can provide you with the most accurate information.

The ManyPets reviews are in

You don’t just have to take our word for it about our pet insurance. Here are just a few of the thousands of five-star reviews ManyPets members have written about our cover on Feefo.