What optional covers does Everywhen offer as part of equine insurance?

While death, theft and straying of your horse are included as standard, we also offer optional extras under our horse insurance policies, including: Veterinary fees Personal accident cover for the rider, who may be you - or another person who is handling or riding the horse, with your permission Saddlery and tack – damage, loss, or theft Permanent loss of use – due to e.g. an accident, injury, or illness of the horse Horse hospitalisation costs Horse transportation costs Third-party public liability Tacks cover

Trusted by over half a million customers

Our service is rated 'Excellent' on Feefo

Over 2,000 experts ready to help

Foal insurance

Unfortunately, we are no longer offering any new business policies.

Call 0344 346 0228

Mon–Fri: 9am–5pm

What does standard foal insurance cover?

Foal liability insurance

Foal insurance includes public liability cover. If your horse causes injury to a member of the public, or damage to their property, public liability insurance will cover any costs you’re faced with as a result. If a member of the public sues you because your foal causes them injury or damage. Insurance policies available typically offer liability cover from £1 million. Speak to one of our insurance advisors to find out more.

Cover for theft or straying

If your foal is stolen or strays, you may need to pay to advertise them as missing. Theft or straying insurance as standard means you’ll be covered for the costs (up to a specific sum) of advertising for the return of your foal. If your foal is not found within 28 days of the theft or straying taking place, you may be able to claim the market value or the sum insured of the foal – whichever amount is lower).

Cover for the death of your foal

Should your foal suffer an accident, illness or disease, equine mortality cover as standard will protect you against the financial costs (excluding pre-existing conditions). Your policy may also cover you for disposal and euthanasia costs.

How do foal insurance claims work?

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

Find your insurance documents and make sure you have all your information at hand, including your policy number.
Call the claims team on 0344 346 0228 and explain exactly what happened.
Provide photos if requested to help us understand what happened as quickly as we can.

Foal insurance FAQs

Wondering about something? Don't worry, Everywhen's here to help. We've put together some common questions about foal insurance cover to support you every step of the way.

Any foal is a costly investment. Unfortunately, unexpected events such as sickness, theft, injury, and accidents can prove costly. If your foal is involved in an accident, you could suffer serious injury or find yourself liable for compensation or legal bills as a result. If things do go wrong, choosing the right foal insurance can cover you against unexpected costs.

Public liability insurance protects you against legal costs incurred as a result of injuries to members of the public and damage to property, caused by your horse.

Personal accident cover insures you and anyone else riding your horse with your permission, against death and accidental injury caused directly by riding or handling. Note this does not cover riding for financial gain.

An excess is the part of a claim that you pay for yourself. Excess fees vary between horse insurance policies. Be sure to check your excess fees as well as your premium when selecting an equestrian insurance product. You may be offered a ‘flat excess’, which will remain the same regardless of the amount of the claim, or a ‘co-insurance contribution excess, which will be a percentage of the amount claimed.

Permanent loss of use cover is an optional additional product and covers you for the sum of purchasing another horse for the originally intended purpose(s), if your horse can no longer be used for the activities you insured it for. However, if your horse is still capable of breeding, or undertakes low-level activities such as hacking, the insurer will usually only cover part of the sum.

While death, theft and straying of your horse are included as standard, we also offer optional extras under our horse insurance policies, including:

Veterinary fees
Personal accident cover for the rider, who may be you - or another person who is handling or riding the horse, with your permission
Saddlery and tack – damage, loss, or theft
Permanent loss of use – due to e.g. an accident, injury, or illness of the horse
Horse hospitalisation costs
Horse transportation costs
Third-party public liability
Tacks cover

We have provided a summary of the key exclusions applicable to our horse insurance policies. Full details of the cover provided can be found in the policy wording.

If you would prefer to spread the cost of your horse insurance policy, you have the option of setting up a Direct Debit to pay your premium by monthly instalments through our preferred provider, Premium Credit Limited (PCL). To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Everywhen, please read our Regulatory Information.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

See our range of cover

Horsebox insurance

Horsebox breakdown cover

Foal insurance