Horse Vet Fees Insurance Terms and Conditions

Please note the following applies to policies taken out after 25 May 2022. We recommend consulting documentation provided at the time of your policy for the most accurate benefits and conditions.

Vet Fees Insurance – Up to £1,500 claim limit

Cover is provided for accidental external injury only; injury caused by accidental, violent and visible means where your horse has a visible external wound excluding strains of tendons and ligaments.
A limit of £1,500 per claim and in the aggregate.
Cover is provided for a maximum of two horses, or four horses if you have a Family or Platinum membership, which you own or have on full loan.
An excess of £165 applies to each and every claim.
The policy excludes horses less than 30 days old.
It is agreed that the purposes for which Your Horse is kept and for which it is insured are for the following only: Retired, Events organised by or affiliated to British Eventing, British Dressage, British Showjumping or British Show Horse Association, Companion animals kept at grass, Broodmares, Hacking, Long distance, Horse agility, Gymkhanas, Pleasure rides, Unaffiliated dressage, Showing in-hand and under saddle, Stallions kept for stud duties, Unaffiliated showjumping, Private driving, Western Riding, Hunting, All riding club and pony club activities, Cross-country and Unaffiliated eventing.

Vet Fees Insurance – Up to £3,000 claim limit

Cover is provided for accidental external injury only; injury caused by accidental, violent and visible means where your horse has a visible external wound excluding strains of tendons and ligaments.
A limit of £3,000 per claim and in the aggregate.
Cover is provided for a maximum of two horses, or four horses if you have a Family or Platinum membership, which you own or have on full loan.
An excess of £165 applies to each and every claim.
The policy excludes horses less than 30 days old.
It is agreed that the purposes for which Your Horse is kept and for which it is insured are for the following only: Retired, Events organised by or affiliated to British Eventing, British Dressage, British Showjumping or British Show Horse Association, Companion animals kept at grass, Broodmares, Hacking, Long distance, Horse agility, Gymkhanas, Pleasure rides, Unaffiliated dressage, Showing in-hand and under saddle, Stallions kept for stud duties, Unaffiliated showjumping, Private driving, Western Riding, Hunting, All riding club and pony club activities, Cross-country and Unaffiliated eventing.
Annual policy inclusive of Insurance Premium Tax at 12.00% and a £22.20 administration fee.

Colic Cover

Cover is for colic surgery, and does not cover any bouts of colic that did not result in the horse undergoing surgery under general anaesthetic.
A limit of £5,000 per claim and in the aggregate.
Costs of after care is included up to a maximum of 50% of the cost of the surgical procedure or for no more than 15 days whichever is the lesser value.
Cover is provided for a maximum of two horses which you own or have on full loan, or four horses if you have a family membership, as named of the certificate of insurance.
An excess of £500 applies to each and every claim.
The policy excludes horses aged 15 years or older, at inception or renewal of the policy.
Cover is not available for any horses which has suffered from or shown signs of colic in the past.
Livery costs (whilst at the equine hospital/boarding costs) are excluded.

Disposal Fees

Following death of the horse as a result of an accidental external injury, the policy will pay the costs of disposal fees and euthanasia charges up to a maximum of £300.

Tack Cover Details

Cover is provided for the market value of saddlery and tack that has been lost, stolen or destroyed owned by you up to the value of £1,000.
An excess of £200 applies to each and every claim.
Saddlery and Tack must be stored in a locked building, and cover for theft shall only apply if visible and violent force was used to enter the locked building.

Cancellations, Amendments and Payments

You have 14 days from receiving the policy to write confirming that you do not wish to continue, any premium which has already been paid will be returned in full. After this 14 days you can cancel the policy at any time and a prorata refund will be issued minus a £15 admin charge or the balance of the policy is due, whichever is the lesser amount.
Amendments to policies and copies of insurance certificates are chargeable with a small admin fee of £10 per policy/certificate. This includes adding or changing named horses.
If payments fail or do not process for any reason, your cover will stop with immediate effect.
Policies run for one year from the date of joining. Payments will be taken, monthly or annually depending on the options chosen during sign up and will recur until cancelled.
If you have made a claim or you are aware of an incident that may give rise to a claim during the current period of insurance, then you must pay the annual premium in full.

Vet Fees Policy Documents

Find the policy documents that apply to the date you took out your insurance below.

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Manage my policy One Club Terms and Conditions Trailer & Horsebox Insurance Terms and Conditions Making an claim Download the app More about the One Club

Important Information

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.
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
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 My Account section of the website. You will also be emailed your policy documents and important phone numbers.