Catastrophe Cover

Our Catastrophe Cover is an affordable vet fee option that can either be purchased as a standalone policy for just £300* or in conjunction with other cover benefits such as Mortality Insurance, Public Liability Insurance, Personal Accident Insurance, Trailer Insurance and/or Tack Insurance**.

This unique level includes vets fees up to a maximum of £7,500 in total during the policy period with a 15 month claim period. The cover is for accidental, external injuries only (i.e. involving an open wound), plus the inclusion of three life saving veterinary procedures; Colic surgery, joint or tendon sheath flushing as a result of sepsis, and surgery for pastern or pedal bone fractures.

It offers an alternative solution for those looking to have some form of insurance in place against major, lifesaving veterinary treatment for a much more affordable premium.

How to purchase Cover

Standalone Cover – If you would like to purchase standalone cover then please give our office a call on 0345 230 2323 and a member of the team will be happy to help.

Combined with Mortality Cover – If you would like a quotation or to purchase the cover for this vet fee level in conjunction with Mortality Cover, then you can either give our office a call on 0345 230 2323 or go online via the Get a Quote button below. Online, this vet fee option is only available under our leisure policy and is referred to as ‘Scale B’ Vets Fees. Please note, via our online system you can only insure horses for Catastrophe Cover with mortality cover up to and including £5,000. If your horse is valued above this, please phone the office and we will be able to provide a quotation for you.

Combined with Other Cover Benefits – If you would like to obtain a quotation for this vet fee option in conjunction with Public Liability Insurance, Personal Accident Insurance, Trailer Insurance and/or Tack Insurance, please call the office on 0345 230 2323 to discuss your requirements with a member of the team. 

*Price includes IPT. Standard Terms and Conditions and Underwriting criteria apply.

**Other cover benefits will incur an additional premium.

“Catastrophe Cover will be good news for people who previously could not afford to insure but were worried about serious accidents and severe colic requiring surgery. It provides peace of mind for those scenarios when treatment is expensive but necessary and would otherwise result in significant financial cost or even the horse being put down.” Dr. Annie Ashman MA VetMB MRCVS

Features & Documents

Catastrophe Cover – Eligibility

Your Horse’s Age

Our Catastrophe Cover provides vet fee insurance for horses aged from 90 days to 20 years. If your horse does not fit into this bracket, we are able to offer you alternative cover, for more information please call us on 0345 230 2323 or go to our horse insurance page to read more about our vet fee options. 

Your Horse’s Value

If you do not wish to insure your horse for mortality please call our office on 0345 230 2323 for a quote.

If you would like to insure a horse that is valued at £5,000 or under and include Catastrophe Cover (scale B vets fees) you can do so through our online quote system.

If you wish to insure your horse for mortality and it is valued over £5,000 please call our office for a quote. 

Your Horse’s Use

This policy is designed to cover Leisure and Competition horses, it does not cover racehorses. 

All horses (and owners!) must be domiciled in the United Kingdom.

Catastrophe Cover – Cover Available

Catastrophe Cover pays 100% of the Veterinary Fees after the excess has been deducted up to a maximum of £7,500 in total during the policy period for:

– Accidental External Injuries Only (AEIO)

– Colic Surgery

– Joint or Tendon Sheath Flushing as a result of Sepsis

– Surgery for Pastern & Pedal Bone Fractures

The insured horse is covered for 15 months from the onset date of an incident.

The excess is £140 or as stated on the Certificate of Insurance, it applies to each incident.

Other cover options include death, theft and straying, loss of use, legal liability, personal accident, saddlery and tack, trailer or horse drawn vehicle cover. Other cover benefits will incur an additional premium. 

Catastrophe Cover – Vetting Requirements

If you are purchasing standalone Catastrophe Cover a vetting is not required. 

If you would like to take out our Mortality & Theft Cover or Permanent Loss of Use, please refer to the relevant tabs below.

For all levels of cover you will be required to complete a Proposal Form.

 Mortality & Theft Cover only:

Market Values up to £9,999 None, unless you have had a pre purchase vetting carried out in which case you will need to send us a copy
Market Values £10,000 to £20,000 Two or five stage vetting*

 Permanent Loss of Use Cover:

Market Values up to £9,999 Five stage vetting*
Market Values £10,000 – £19,999 Five stage vetting* plus X-rays.
View x-ray requirements
Market Values £20,000 and above Five stage vetting* plus X-rays.
View x-ray requirements

*Any vetting should have been carried out no more than 14 days before the start of the cover. If the vetting falls outside of this period then we would require a new vetting to be carried out in addition to seeing the original vetting.


Catastrophe Cover – Policy Documents

Key Facts and Insurance Product Information Document (IPID)

The Key Facts or IPID outline the significant features, benefits, exclusions and limitations of the KBIS Leisure Policy. They do not contain the full Terms and Conditions. 

Terms and Conditions

The Terms and Conditions outline the full details of cover available under the KBIS Leisure Policy.


If your policy started before the 1st January 2018 then please visit our archive page to view the relevant Key Facts and Terms and Conditions.

 Terms of Business

The Terms of Business outline the agreement between KBIS and their customers.

Privacy Policy

Our Privacy Policy outlines how we protect your personal information.

What Our Clients Say

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