Horse Insurance

Prialys Assurance > Insurance for Individuals > Pet Insurance > Horse Insurance

Horse insurance — Equine cover does not work like dog and cat insurance : there is no entry / comfort / premium ladder. Cover is assembled item by item — owner’s civil liability, mortality, surgery, veterinary fees, permanent unfitness, theft — and priced individually on the value, age, use and keeping arrangements of the horse. Prialys, an independent broker, builds the combination that fits your situation, whether the horse is kept for leisure, sport or breeding.

Freedom of choice: Prialys, independent broker, freely compares market offers for your pet.
Savings: benefit from negotiated rates through our broker status and privileged partnerships.
Custom coverage: liability, mortality, surgery, veterinary fees, theft and transport, assembled to fit your horse.
Support: a dedicated contact for subscription, management and claims.

Horse Insurance coverage options

Cover	What it protects	Points to note
Owner’s civil liability	Damage caused by your horse to a third party, whether or not you are present	The foundation of any equine file. Often required by yards and by competition organisers
Mortality	Death of the horse through illness or accident, and euthanasia on veterinary grounds	Based on an agreed value, supported by an invoice and a veterinary examination
Surgery	Surgical procedures, colic surgery in particular	Usually the first health cover taken out, because a single procedure is very costly
Veterinary fees	Consultations, tests, imaging, treatment and follow-up care	Taken as an extension to surgery cover, with its own annual limit
Permanent unfitness	Definitive loss of the use for which the horse was acquired	Assessed by a vet. Frequently restricted or excluded for older horses
Theft and disappearance	Theft of the horse, and of tack depending on the policy	Requires identification and proof of ownership
Transport	Incidents occurring while the horse is being transported	Sometimes an extension, sometimes a separate policy
Legal expenses	Disputes over a sale, boarding arrangements or veterinary matters	Optional but useful given how often sales are contested
Professional cover	Riding schools, livery yards, breeders and dealers	A different framework altogether: professional liability and business cover

No percentages or limits are quoted here on purpose. Unlike the dog, cat and exotic pet market, equine cover is underwritten individually : the agreed value of the horse, its age, its use and where it is kept determine both the premium and the limits. Any figure shown as a market standard would be misleading.

Position of the French equine insurance market verified in August 2026. This page is for information only and is not a contractual commitment : only the general terms and conditions of the policy apply.

How does horse insurance work?

1. Profile – Value, age, use

2. Cover – Liability, mortality, surgery

3. Quote – Several underwriters approached

4. Subscription – Electronic signature

5. Review – Annual update of the agreed value

Needs analysis: value, age, use of the horse and where it is kept.
Review of what you already have: we check what your home policy and your federation licence already cover.
Market approach: we canvass our partner underwriters and the specialist equine market.
Subscription and follow-up: electronic signature, certificate, then an annual review of the agreed value.

Questions? Call us today!

09 52 92 25 30

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Need detailed information on our equine and pet insurance solutions ? The Prialys team, an independent broker, is available to review your situation and your current policies with you.

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What documents to subscribe to your horse insurance?

Proof of identity and contact details of the owner.
Equine passport, SIRE number and transponder number.
Purchase invoice or valuation, plus the competition record where relevant.
Declaration of the place where the horse is kept, and the livery or boarding agreement.
Recent veterinary examination and the claims history statement from your previous insurer.

Frequently asked questions about horse insurance

What can be covered
Points to check closely

Item	Details
Civil liability	Damage caused by the horse to a third party, in the stable, at grass, in transport or in competition.
Mortality	Death through illness or accident, and euthanasia on veterinary grounds, against the agreed value.
Surgery	Surgical procedures, colic surgery above all, with anaesthesia and hospitalisation.
Veterinary fees	Consultations, tests, imaging, treatment and follow-up, within the limit set in the policy.
Permanent unfitness	Definitive loss of the intended use, after veterinary assessment.
Theft	Theft or disappearance of the horse, and of tack depending on the policy.

Item	Details
Agreed value	Set too low it undermines the settlement, set too high it inflates the premium. Review it every year.
Age limits	They differ by cover and by underwriter, and mortality closes earlier than veterinary fees.
Pre-existing conditions	Anything already present, and often anything affecting a limb previously treated, is excluded.
Use declared	Leisure, sport, breeding or professional use: a change of use must be declared or cover can fail.
Waiting periods	They apply to illness and to surgery, and are longer than on dog and cat policies.
Overlap with other cover	Your federation licence and your home policy may already provide some liability cover. Check before duplicating.
Professional activity	Teaching, boarding or dealing takes the file out of the private framework entirely.

Documents for your horse insurance

Is horse insurance compulsory in France?

There is no general legal obligation to insure a horse. In practice, however, owner’s civil liability is close to indispensable, and livery yards, riding centres and competition organisers commonly require proof of it. Riders holding a federation licence usually have some liability cover through the licence itself, but its scope is limited and worth checking.

Does my home insurance cover my horse?

Rarely, and never fully. Most home policies exclude or heavily limit damage caused by an equine, especially when the horse is kept away from the property. Reading the general terms and conditions before relying on it is essential.

What is an agreed value?

The value of the horse fixed with the insurer when the policy is written, on the basis of the purchase invoice, the pedigree and the competition record. Mortality, theft and permanent unfitness claims are settled against that figure.

Is colic surgery covered?

Yes, under surgery cover, subject to the waiting period and the limits set out in the policy. It is the single most frequent reason for taking out equine health cover.

Up to what age can a horse be insured?

Each underwriter sets its own limits, and they differ by cover : mortality and permanent unfitness usually close earlier than veterinary fee cover. We check them case by case rather than quote a market age, because there is no single standard.

What identification is required?

In France a horse must have its SIRE number, its transponder and its equine passport, and the place where it is kept must be declared. Without that identification, no claim can be settled.

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Talk to our broker

Adresse email : contact@prialys.fr

Téléphone : 09 52 92 25 30

Address: Miniparc 3 478, Rue de la Découverte CES 67624, 31670 Labège

FAQ – Horse Insurance

Where to start?

With civil liability. A horse is a large animal that can injure someone or damage property even when you are not there, and the owner is answerable for it. Yards and competition organisers routinely ask for proof of cover. Health cover comes next, and surgery is usually the priority because a single colic operation can outweigh several years of premiums.

Why the agreed value matters

Mortality, theft and permanent unfitness are all settled against an agreed value fixed when the policy is written. Set it too low and the settlement will disappoint ; set it too high and you pay for cover you cannot claim. It should be supported by the purchase invoice and reviewed each year, particularly for a competition horse.

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