Racehorses get put through their paces and therefore it is important to have the right cover in place. Our policies include cover whilst training and flatracing as we understand that sometimes, whilst training, the horse may undergo activities such as jumps which may otherwise be excluded on a standard flatracing policy. We understand that Racehorses can rise and fall in value after any given race and therefore our policies allow you to amend the sum insured at any time. If you are chasing a dream of winning a Group 1 overseas we can insure your racehorse almost anywhere in the world.
For full policy wordings please see the PDF documents below. At a glance our policies include the following:
Guaranteed Renewal Clause (Exclusive to HQ Insurance)
In the event that your horse insured under this policy has incurred a life-threatening injury, illness or disease, coverage will automatically RENEW at the existing sum insured until the first policy anniversary date after the horse reaches the age of 14 or until such time as the injury, illness or disease is no longer life-threatening, whichever is sooner. Further, NO Veterinary Certificate will be required for any renewal until the horse reaches 14 years of age.
Agreed Value
In the event of a covered loss, Underwriters will pay the full amount for which your horse is insured under the policy schedule at the time of the loss occurring.
Options for Life Saving Surgery (No Policy Excess and Superior Market Wording)
This extension covers Veterinary expenses including up to 14 days of after-care costs and transport to and from the hospital / clinic in instances where surgery under general anaesthetic is performed in an attempt to save the life of your horse, Limits of up to $10,000 and $15,000 available.
No Excess
Prompt Claim Settlements
This is on top of the standard Mortality cover which responds 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 to curtail excessive and ongoing pain and suffering. Standard Coverage also includes Theft and the freedom to transport your horse anywhere within and between Australia and New Zealand. Cover can also be arranged for almost anywhere in the world including transits.
