Sporthorse insurance coverage includes:

This following is a limited summary of coverage. Terms, conditions, limits and exclusions apply. For full details and before making a decision, consider the policy wording and any other coverage documents.

All Risks Mortality:
Mortality insurance is designed to respond in the event of death either through natural causes or an accident, injury or illness so severe that a veterinarian performs euthanasia on humane grounds due to a hopeless prognosis as determined by a veterinarian, to curtail excessive and ongoing pain and suffering.

What’s not covered:
• Humane euthanasia due to economic reasons
• Failure to provide proper care and attention

Theft
Designed to cover theft of an insured horse within geographical limits as noted in the insurance policy.

Transit anywhere in Australia and New Zealand
Mortality insurance is designed to provide cover whilst anywhere in Australia and New Zealand including transit within and between said countries.

Additional options:

Life Saving Surgery
This extension is intended to cover the veterinary fees incurred, including up to 15 days of after-care costs and transport to and from the hospital / clinic in instances where surgery is performed in an attempt to save the life of the insured horse.

Choice of cover includes limits of up to either $10,000, $15,000 or $20,000.

What’s not covered:
• Veterinary fees incurred that do not include surgery to save the life of the insured horse.

Restricted Loss of Use
Intended to cover accidental external injury (to the horse) which results in the horse becoming totally and permanently incapable of fulfilling the functions and duties required for its principal use.

What’s not covered:
• Pre-existing conditions
• Failure to provide proper care and attention

Full Loss of Use
Intended to cover accidental external and/or internal injury or illness which results in the horse being totally and permanently incapable of fulfilling the functions and duties required for its principal use.

What’s not covered:
• Pre-existing conditions
• Failure to provide proper care and attention

Loss of Use options are available for all cow horse and western disciplines.

Prospective Foal cover
Is designed to provide protection against a loss in utero, arising from the mare losing the foal during pregnancy or birth and continues to cover the live foal until the expiry date of the policy.

Cover is subject to:
• Pregnancy scan from 42 days showing negative twins diagnosis, last service/implantation date
• Clean health documentation on the carrying mare

Stallion Total and Permanent Disability
This optional extension is intended to cover total and permanent disability as a result of an accident, sickness or disease whereby the stallion becomes totally and permanently infertile or incapable of serving mares.

What’s not covered:
• Any loss arising from the death, theft or humane destruction of the stallion.

Overseas Transit
Howden Equine arranges vast geographical limit options including overseas transit cover to and from Australia. Please discuss with the team for further
details

Howden Equine Pty Ltd (ABN 46 091 731 225 | AFSL 235666). Silks
Insurance Pty Ltd (ABN 15 639 058 718) operates as an Authorised Representative (AR 1280952) of Howden Equine Pty Ltd. Please read our Financial Services Guide www.howdengroup.com/au-en/financial-services-guide. Any advice or recommendations are general in nature and do not take into account your individual objectives, financial situation or needs. Please read all relevant policy wordings, product disclosure statements and any other information we provide before deciding if this is right for you. The cover is provided by certain underwriters at Lloyd’s and/or Convex Insurance UK Limited and is subject to terms, conditions, limits and exclusions. Published June 2025.

The following is a limited summary. Terms, conditions, limits and exclusions apply. For full details and before making a decision, consider the policy wording and any other coverage documents.

Agreed Value
Where an agreed value is part of the policy wording, underwriters pay out the sum insured and no less, in the event of an accepted claim with options to increase (subject to terms and conditions) or decrease the sum insured at any time during the policy period. Howden Equine Pty Ltd may assist clients with value evaluations during policy inception to renewal.

Renewal Extension
Policies are eligible for a renewal extension clause up until 14 years of age for mortality, life-saving surgery, prospective foal, and stallion cover. This means certain policies can be renewed at the current sum insured without health documents or veterinary certificates until the horse reaches 14 years of age.

Dedicated Claims Management:
Claims are handled by their in-house claims specialist who utilises an equine surgical specialist (who has over 40 years’ experience in the field) for veterinary advice and expertise when handling your claim. Howden Equine and its underwriters offer the added service of emergency veterinary consultation for certain clients, with their accredited surgical specialist free of charge Howden Equine has a claims settlement authority which enables certain claims to be settled more swiftly.

Howden Equine Pty Ltd (ABN 46 091 731 225 | AFSL 235666). Silks
Insurance Pty Ltd (ABN 15 639 058 718) operates as an Authorised Representative (AR 1280952) of Howden Equine Pty Ltd. Please read our Financial Services Guide www.howdengroup.com/au-en/financial-services-guide. Any advice or recommendations are general in nature and do not take into account your individual objectives, financial situation or needs. Please read all relevant policy wordings, product disclosure statements and any other information we provide before deciding if this is right for you. The cover is provided by certain underwriters at Lloyd’s and/or Convex Insurance UK Limited and is subject to terms, conditions, limits and exclusions. Published June 2025.

“I have insured with two other major companies for a number of years with hundreds of thousands of dollars worth of performance and breeding horses but have recently looked into Howden Insurance.  I found they have the most competitive premiums and better conditions in relation to claims compared to most other companies.

I recently began changing my horses over to Howdens and have dealt with Maggie Johnston all the way through. She could not have been more helpful, going out of her way to get things in place, sometimes at short notice or over the weekend.

I would highly recommend considering Howdens when looking for an insurer for your performance horses.”
~ Donna Sadler

“Howden’s personable approach has taken the stress out of insuring our horses and client horses. Maggie is extremely helpful and thorough in discussing options, and their Agreed Value Clause is one of the major benefits for us. We now have better coverage for less time and money.”
~ Rob Leach

“Just 6 weeks into our policy, we experienced a devastating loss and Howden Equine Insurance were there for us through it all. The Howden equine team and our vets liaised together to make the claim process as painless as they could with a super quick turn around and the payout hitting our account literally 48hrs after submitting the paperwork.

Some months later we were fortunate to find another horse and the Howden team were there again to help. Thank you to Maggie and Howden Equine for all you did for us during our tragedy. I can highly recommend Howden Equine Insurance to protect you and your horse.”
~ Amanda Allen

“These guys are the best. So easy to contact and brilliant follow up. We highly recommend their outstanding products and services.”
~ Berragoon ASH Stud

“Working with Maggie from Howden Equine made choosing the right insurance easy. I needed comprehensive cover that included overseas transit from the USA to Australia and Maggie was happy to assist me with all my queries. Nothing was ever a hassle and Howden were able to do it all.”
~ Keiran Moses

“I cannot speak highly enough of Howden Equine. After facing a significant claim, I was amazed, but not surprised, by how smoothly everything was handled. The team was not only professional but also incredibly compassionate, making the entire process stress-free. They treated me with a personal touch that is rare to find these days, ensuring I felt supported every step of the way.

If you’re looking for a horse insurance company that truly cares, Howden Equine is the one to trust.”
~ Stephen Vardy