Mon-Fri 10:00 - 16:00

Equipe 4 Horse Insurance

Comprehensive insurance for horses and ponies, including coverage for death, theft, fire, transport, and permanent disability due to musculoskeletal disorders.

Clear coverage

No small print, just certainty.

Competitive premium

Fair price & optimal protection.

Specialist in horses

Insurance by real horse experts.

Maximum security for your horse

Equipe 4 Horse Insurance

The Equipe 4 Horse Insurance offers the most comprehensive coverage for horses and ponies. In addition to basic risks such as death, theft, fire, and transport, this insurance also covers total permanent disability due to musculoskeletal disorders, such as bone spavin, navicular disease, osteoarthritis, and tendon disorders. With a premium percentage ranging from 8% to 10% of the insured value, this policy offers maximum security for owners who want optimal protection for their horse.

Death due to illness

Death benefit due to acute illness, including life-saving operations such as colic surgery.

Death by accident

Coverage for death by accident, including drowning, fire, lightning, explosion or electrocution.

Theft

Compensation in case of theft of the insured horse or pony.

Fire and transport

Coverage for damage or death during transport within the European Union and in the event of fire incidents.

Permanent disability

Compensation for total permanent incapacity of the horse due to illness or accident.

Musculoskeletal system

Coverage for permanent disability due to musculoskeletal disorders, such as spavin, navicular disease, osteoarthritis and tendon disorders.

Limited medical expenses

Reimbursement of up to €1,150 for treatment of life-threatening open wounds and acute fractures, with a deductible of €185.

Unborn foal

For pregnant mares, the unborn foal is co-insured up to 10% of the mare's insured value, with a maximum of €450.

Castration risk

Coverage for death due to castration of stallions up to and including the age of three, provided that it is carried out by a qualified veterinarian.

  • Preventive care

    Costs for preventive treatments such as vaccinations, dental care and deworming are excluded from coverage.

  • Transport outside the EU

    Damage or death during transport outside the European Union is not covered.

  • Costs of euthanasia and destruction

    Costs for euthanasia, destruction, or cremation are not covered as standard; additional insurance is required.

Premium percentage
0 %

-

Additional information
  • Supplementary health insurance: The Equipe 4 Health Insurance can be taken out in combination with this policy. This supplementary insurance covers veterinary costs up to €4,500 per year, with a deductible of 25% per event and an annual co-payment of €150.

  • Inspection requirements: For horses with an insured value of up to €4,500, an inspection by a field inspector or a clinical examination by a qualified veterinarian is sufficient. For a higher insured value, a clinical and radiological examination is required.

  • Premium payment: The premium can be paid annually, semi-annually, quarterly or monthly. If you pay quarterly or monthly, the premium will be automatically collected, with a surcharge of 6% on the net annual premium.

Team 2

3.5% Premium
Death or emergency euthanasia within 5 days due to accident, transport, fire, storm, lightning strike, pregnancy.
Death or emergency euthanasia within 5 days due to illness
Theft
Limited compensation for loss of a fetus or foal
Reimbursement for successful colic operations
Compensation for acute open injuries and fractures
Castration risk up to and including the 3rd year of life
Permanent complete inability to use due to an illness
Permanent complete inability to use due to an illness
Permanent complete inability to use due to a musculoskeletal disorder (not caused by an accident)

Team 3

5.5% Premium
Death or emergency euthanasia within 5 days due to accident, transport, fire, storm, lightning strike, pregnancy.
Death or emergency euthanasia within 5 days due to illness
Theft
Limited compensation for loss of a fetus or foal
Reimbursement for successful colic operations
Compensation for acute open injuries and fractures
Castration risk up to and including the 3rd year of life
Permanent complete inability to use due to an illness
Permanent complete inability to use due to an illness
Permanent complete inability to use due to a musculoskeletal disorder (not caused by an accident)

Team 4

8% - 10% Premium
Death or emergency euthanasia within 5 days due to accident, transport, fire, storm, lightning strike, pregnancy.
Death or emergency euthanasia within 5 days due to illness
Theft
Limited compensation for loss of a fetus or foal
Reimbursement for successful colic operations
Compensation for acute open injuries and fractures
Castration risk up to and including the 3rd year of life
Permanent complete inability to use due to an illness
Permanent complete inability to use due to an illness
Permanent complete inability to use due to a musculoskeletal disorder (not caused by an accident)

Your Digital Insurance Folder

Important documents

In our selection of featured documents, you'll find forms, checklists, and helpful instructions. Everything is clearly organized in one place, so you can quickly find what you need. It's so easy.

Supplement to your insurance

At Equipe Horse Insurance we understand how important your horse is to you. That's why We provide simple, honest and clear insurance. With flexible choices that really mean something to you.

How does the process work?

STEP 1

Request your quote

Easily enter your details using our premium calculator or the application form. You choose the coverage and the amount you want to insure for your horse.

Bereken je premie
Step 2

Provide additional information

Depending on your chosen coverage, we may require a health declaration or medical examination. You can send this to us digitally or by mail.

 
Step 3

You receive your policy

After assessment, you'll receive the final policy by email or mail. After payment, your horse is insured and you can count on us.

 

Your Security, Our Passion

Team Equipe

The Equipe Horse Insurance team consists of people with a love for horses and expertise in insurance. Thanks to our years of experience experience in the equestrian world and the insurance industry, we understand your situation like no other. We are ready to assist you with personal contact, clear communication and reliable service. This way you can count on certainty and attention, every single day.


The Equipe 4 Horse Insurance is available for horses and ponies up to 15 years old.
Yes, this insurance covers total permanent disability due to musculoskeletal disorders, such as spavin, navicular disease, osteoarthritis and tendon disorders.
Only certain costs, such as successful colic surgery, are covered to a limited extent; for full coverage, supplementary health insurance is required.
With limited health coverage, a deductible of €185 applies per event.
Yes, up to 10% of the mare's insured value, with a maximum of €450, provided the conditions are met.
Damage must be reported to Equipe Horse Insurance as soon as possible, at the latest within 24 hours, by telephone or email.
You ask, we help!
Customer-oriented assistance

Do you have a question or are you looking for advice about the right insurance for your horse? We are happy to help you personally, With clear explanations and no complicated terminology. Feel free to contact us!