+612 9909 1499 postmaster@logans.com.au

Types of  Horse Insurance

Whilst we work hard to personalise cover for your specific circumstances, there are some common facts about our policies that is useful to know.

Legal Liability

We only offer legal liability to individuals (not businesses) with our Equestrian Cover when taking out a mortality cover. For all other liabilities including riding schools, trail riding, agistment farms or agistment farms where the tenants ride horses we suggest you contact your local insurance broker.

Health Certificates

Equine insurance policies require a physical examination of your horse and a current health certificate to be supplied, this usually requires a vet examination at your cost.

Once you decide on the cover that you want, you will need to either complete a Health Declaration or provide a Veterinary Certificate if the horse falls under any of these categories:

  • Under 45 days of Age (done no earlier than 24 hours of age and showing IgG levels)
  • Older than 12 years of Age
  • Valued at over $20,000
  • If you’ve chosen add on options Vet Fee Cover or Stallion Infertility Cover
  • If your horse has been sick or had an accident in the last 12 months

Please note that the insurer has the legal right to request a vet certificate anytime for any reason.

Equestrian Insurance

If you have an equestrian horse, we care as much about $1000 ponies as we do for multimillion-dollar stallions. Our LEC pack policy has been designed to meet the needs of those who compete with their horses from Pony Club level to international standard, and those who just simply enjoy a quiet ride.

The Logan Equestrian Cover (LEC Pack) will cover your pleasure horse for Death (due to Accident, Sickness, or Disease) & Theft. You must have the basic cover above, first and then you can then choose to add on Legal Liability, Vet Fee Cover & Saddlery & Tack. We can also talk to you about Transit Cover.

Add-On Options

Vet Fee Cover for accident, sickness or disease

The amount you choose cannot exceed the value of your horse and an excess is applicable on each claim

You can choose either:

  • $1,000 (excess $200)
  • $2,000 (excess$250)
  • $5,000 (excess $500)
  • $7,500 (excess $1,000)

Legal Liability for injury or damage

Legal liability cover protects you in the event that you are held liable for negligence to a third party. As an example if your horse kicks a car or person. It is only available for equestrian horses not used as a business or to earn income.

You can choose either $500,000 or $1,000,000 or $2,000,000 Excess for all options is $250 for each claim for loss or damage to property. This option is only available as an add on to the basic mortality policy.

Saddlery & Tack

You will be covered for up to the sum insured amount. The excess is as follows: Theft from locked buildings – the first $250 of each claim, Theft from locked vehicles – the first $150 of each claim, Other claims – the first $50 of each claim.

Stallion Infertility

This cover is for total and permanent infertility resulting from accident, sickness or disease Please contact Logans to discuss this option.

Once you decide on the cover that you want, we will require evidence of the health of your horse.

You will need to either complete a Health Declaration (form here) or provide a Veterinary Certificate if the horse falls under any of these categories:

  • Under 45 days of Age (done no earlier than 24 hours of age and showing IgG levels)
  • Older than 12 years of Age
  • Valued at over $20,000
  • If you’ve chosen add on options Vet Fee Cover or Stallion Infertility Cover If your horse has been sick or had an accident in the last 12 months Please note that the insurer has the legal right to request a vet certificate anytime for any reason.

Other Livestock

Our main focus and expertise is horse insurance, but we sometimes can help with insurance for other animals

You will need to contact our office +(612)9909 1499 to discuss.

  • Feedlots
  • Alpaca
  • Stud Cattle/Sheep
  • Dog Insurance

Standard Horse Insurance

Logans insures all types of horses including thoroughbred/racehorses, stallions, foals, mares, syndicated horses, hacks, cutting horses, rodeo and miniatures.

Our cover can include: Mortality, Theft, Transit, Stallion Infertility, Stallion Loss of Income, Infertility, Unborn Foals and Syndicated Horses.
Call Logans +(612)9909 1499 and talk to one of our friendly staff to discuss your unique needs

Basic Mortality Insurance

Mortality refers to the death of the animal. For livestock insurance, mortality covers death, humane destruction (and theft). Some policy owners mistakenly equate a loss of function (such as a career-ending injury) with ability to collect on a mortality policy. A loss of athletic function may not always qualify as a claim.

This cover also includes:

Death directly resulting from theft or unlawful removal and malicious or willful castration by those responsible for the theft.
Transit Insurance – Our mortality policy covers your horse anywhere whilst in Australia or NZ, including transits. You horse would not be covered outside these countries under this policy. If you intend to travel your horse to another country you must contact us before the horse departs and we can arrange international transit cover.

Stallion Insurance including loss of income (thoroughbreds)

A mortality policy can be extended to cover the stallion in the event that he becomes totally and permanently infertile, impotent or incapable of serving mares as a result of an accident, illness or disease.
Commonly the cover is referred to as “ASD”, because of the fact that it covers against the infertility being as a result of an Accident, Sickness or Disease that is sustained or contracted during the period of insurance.
This extension does not cover against the stallion being congenitally infertile. Another type of insurance is available to protect owners of first season stallions against their horse being congenitally infertile, that being Stallion First Season Infertility Insurance.

Stallion Loss of Income Insurance

Stallion owners/shareholders can insure against a loss of income resulting from their stallion being unable to fulfil its stud duties in a particular breeding season. Depending upon the wording of the policy, the insurance can include or exclude loss due to death of the stallion.
The sum insured is based upon the income expected during the season, taking into consideration the number of mares booked, the stallion’s fee and the fertility rate.

The cover usually provides for a claim in the event that income is lost due to the stallion being out of action for all or part of the nominated breeding season. The claim amount is dependent upon income lost, taking into account income derived. This insurance can run in conjunction with a mortality insurance policy.

Stallion First Season Congenital Infertility Insurance (thoroughbreds)

Owners of stallions set to stand their first season at stud can insure against their stallion being infertile due to a congenital abnormality of its semen, or a congenital inability to breed.

There is more than one type of policy for first season stallions, however the insurance most commonly purchased covers against the stallion achieving less than a 60% fertility rate, from a minimum number of 20 mares.

If you are considering first season infertility insurance on your stallion, please contact Logans well before the start of the stud season to allow plenty of time to arrange the cover.

This insurance is highly specialised and, given the very nature of the risk, complex in its form. Logans have developed an expertise when it comes to Stallion insurance. We will advise and assist you towards arranging the cover best suited to your needs. Importantly, we will also be there for you with our expertise should a claim arise.

Unborn Foal Insurance

Prospective Foal Insurance indemnifies you in the event that your unborn foal is not born alive or does not survive to a certain age. Most commonly, cover is arranged from the date that the mare tests pregnant 45 days after last service, through until the foal is born and reaches 30 days of age.
The premium is partly determined by the age and breeding history of the mare.
As experienced horse persons would be aware, there are many potential problems that can occur along the path to producing a live foal. Prospective Foal Insurance is a high risk and highly specialised cover, requiring specific veterinary reports on the mare at inception (including reports confirming ultrasound scan results, manual pregnancy test results and overall health status).