Multi-Horse Insurance from KBIS

A flexible Veterinary Fee option designed to make insuring your horses easier - whether you have one much-loved companion, a small yard, breeding stock, or a string of competition horses.

About this cover

This policy provides cover for accident, sickness and disease, up to £10,000 per year, with no per-incident limit. Your annual cover can be used entirely on one horse, or shared between up to eight horses on the same policy - making it just as suitable if you're insuring a single horse as it is for a small yard or breeding operation.

How this works in practice: if you have three horses on your policy and one of them has an eligible claim for £2,000, you'd still have up to £8,000 left to use that year - for the other horses on the policy, or for another issue with the same horse. Key features of the cover include, but are not limited to:

For horses aged 90 days to 30 years
Total limit of £10,000 per policy year
Cover for one horse, or shared across up to eight horses
£250 excess, per incident
Option to add Mortality cover

Whether you’re looking to purchase Vet Fee cover for the first time, or your current policy is coming up for renewal, get a quote online today or alternatively speak one of our equine insurance specialists directly on 0345 230 2323.

Please note, cover is subject to underwriting, policy limits, exclusions and excesses. Full terms and conditions and a copy of the policy wording are available on request.

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Who is this for?

Owners of a single, much-loved horse or pony looking for simple, flexible Vet Fee cover
Small yards with multiple horses
Breeding studs
Owners with a string of up to eight horses
Anyone who wants a single Vet Fee policy, rather than managing separate policies for each horse, likely all with different terms, renewal dates and payment dates.

Why choose to insure with KBIS?

When you call us, you're not just speaking insurance specialists, you’re speaking to horsey people too. Our team are riders, owners and competitors themselves, so they understand what your horse means to you and are as comfortable talking horses as they are talking insurance. That's the difference between a call centre reading from a script and an expert who genuinely shares your passion for horses - it's why many owners often stay with us year after year.

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Is this cover only for owners with multiple horses?

No. It works just as well for a single horse. You simply have the full £10,000 annual cover available to that one horse, with no per-incident limit.

What ages of horse can be covered?

Horses and ponies aged from 90 days to 30 years can be covered under this policy.

How does the annual limit work?

You have up to £10,000 of cover per policy year, which can be used across one horse or shared between up to eight horses on the same policy, however it's needed.

What happens if one horse uses most of the cover?

The remaining balance is still available for the rest of the policy year, whether that's for the same horse or another horse on your policy.

Can I add Mortality cover?

Yes, Mortality cover can be added to this policy as an option.

Multi-Horse Veterinary Fee cover from KBIS