Equine Catastrophe Insurance

Should the worst happen, our Equine Catastrophe Insurance provides vet fee cover for colic, accidental injury and death.

Equine Catastrophe Cover

Equine Catastrophe Insurance from Shearwater is an affordable alternative to traditional Horse Insurance.  From £325 per year (including insurance premium tax) we can offer up to £6,000 per year of vet fees cover for incidents resulting from accidental external injury or 'covered peril' events such as colic surgery.  Unlike other insurers Shearwater also includes Catastrophe Mortality cover as standard.  Meaning, should the worst happen we'll pay the fair market value for your horse. up to the sum insured price.

As standard we'll provide cover for:

  • Catastrophe Mortality - the fair market value of the horse (up to the sum insured) in respect of death or humane destruction resulting from an Accidental External Injury or Covered Peril, that first occurs during the period of insurance
  • Catastrophe Veterinary Fees - vets fees that are incurred for a period of 12 months from the onset date of an Accidental External Injury or Covered Peril, up to £6,000.

As optional extras, cover can be provided, within the same policy, for theft of the Horse, personal accident and saddlery & tack.


What do we mean by 'Covered Peril'?

Covered Perils means:

  • joint or tendon sheath flushing as a result of Sepsis
  • colic surgery costs
  • surgery costs for pastern and pedal bone fractures (only if in the direct result of an accidental external injury)

Horse Insurance

Looking for something with a wider level of cover than our new Equine Catastrophe Insurance? Shearwater pride ourselves on offering insurance that beats the competition when it comes to horse insurance.  With a variety of policy excesses, different levels of vet fees cover to suit your needs and add ons such as legal fees, personal accident and saddlery and tack.

Horse Insurance
  • When the wheels fell off my lorry the Shearwater team were incredible. They called to check up on me, they arranged recovery and when the lorry was deemed a write off I was even given the option of keeping the scrap or not.
    Sarah Skillin, British Dressage Member
  • Shearwater not only provided a much more comprehensive policy but at an incredibly competitive price. Everything was very simple.
    Imogen Murray, International Event Rider (5* & Team GBR Nations Cup)
  • We've insured with Shearwater for a number of years and have always been very impressed with the customer service, claims handling, and competitive pricing. I've now moved all of our business and personal polices to Shearwater
    Simon Bates, Owner & Event Director of The College Equestrian, Keysoe
  • I have found Shearwater to be responsive and flexible in providing me and my company with individually tailored insurance packages to cover exactly what I need, at very competitive prices.
    Simon Hall, Managing Director of Soteria Ltd
  • We have worked with shearwater for many many years now! We use them for everything from our horses to our cars, our yard liability to the home insurance... They are a great company to deal with, both in terms of competitive rates and their customer services. I would highly recommend anyone looking at insurance to get in touch with them
    Becky Moody, Grand Prix Dressage Rider, Team GBR Podium Pathway Member
  • I have insured a few horses with shearwater over the years and have always been very impressed. The team on the phones are super helpful and they have always been great at paying out any claims. I wouldn’t hesitate to recommend their service to any of our Members
    Catherine Mills, Head of Global Retention & Equestrian at Quintessentially
  • What can we say about Shearwater? As an insurer if you want the best cover then you need to be with Shearwater. Their service is second to none and their staff are always friendly, knowledgeable and there to help you, nothing is too much trouble.
    Leanne Hart & Daniel Bates, Para Dressage Rider

Request A Quote Today

Get the cover you need today.  Speak to one our our experts on 01992 707318 or request a quote online.  Specify Catastrophe Cover in the Enquiry Box.

Request A Quote