Open Wound Only Cover

Our Open Wound Only cover is an affordable vet fee option that can either be purchased as a stand-alone policy for less than £225 or in conjunction with other cover benefits such as All Risks of Mortality Insurance and Public Liability Insurance*.

This level includes vets fees up to a maximum of £3,000 per incident which is unlimited within the year. The cover is for accidental, external injuries involving an open wound only for 15 months from the onset date. This means there must be a visible break to the skin in order for a claim to be considered.

It offers an alternative solution for those looking to have some form of insurance in place against situations that require urgent and costly medical attention.

How to purchase Cover

Standalone Cover – If you would like to purchase stand-alone 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 other Cover Benefits – If you would like a quotation or to purchase the cover for this vet fee level in conjunction with other cover benefits, such as All Risks of Mortality, then you can Get a Quote online. Online this vet fee option is only available under our leisure policy and is referred to as Scale A Vets Fees. Please note you can only insure horses up to and including £5,000 on our leisure policy, if you fall outside of this criteria please phone the office and we will be able to quote you.

*Additional cover benefits will incur an additional premium.

riding horse

Features & Documents

Horse Insurance – Eligibility

Your Horse’s Age

Open wound only cover is available to horses aged between 90 days old and 30 years. 

Your Horse’s Value

The maximum value of horse we will quote for on open wound only cover is £5,000, if your horse is worth more than this KBIS can still cater for your needs but we will need to speak to you over the phone on 0345 230 2323 to provide a quotation and arrange cover.

Your Horse’s Use

To cover your horse for open wounds cover they must only take part in the following activities, at grass, hacking, breeding & youngstock, retired, hunting, gymkhanas/mounted games, backing and breaking, showing in-hand or under saddle, dressage/schooling up to and including elementary level, showjumping up to an including 110cm, riding club and pony club events, western pleasure riding/horsemanship, non-competitive driving, jump cross, le trec and eventing/cross country up to and including 90cm.

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

Horse Insurance – Cover Available

Please note the information below outlines the cover available, if you have a policy with KBIS your exact cover will be specified on your certificate of insurance.

Death,Theft and Straying

Death,Theft and Straying is the starting point of your insurance. It is the benefit paid following the death or euthanasia of the horse or if the horse is lost or stolen and not found. This benefit will be the sum insured/market value of the insured horse

Vet Fee Cover

Vet fee cover provides the insured horse with cover for non routine veterinary procedures. Vet fee cover can be extremely beneficial and will help you to make sure your horse receives the veterinary attention required in the event of an injury without you, the horse owner, having to worry about the cost. Open wound only cover is listed as Scale A Vets Fees.

Leisure Vet Fee Cover

Legal Liability

Legal Liability is one of the most important areas to consider taking out cover. It provides the policy owner with cover against their liability to a third party, for example, if you were out hacking and your horse spooked and kicked a car causing an accident on the road. You can choose between three levels of cover, up to £1,000,000, £2,000,000, or £3,000,000.

Personal Accident

Personal Accident insurance covers you if you sustain a bodily injury through riding, handling, mounting or dismounting the insured horse. We can offer two levels of cover to choose from: Scale 1, which offers a benefit of £10,000; and Scale 2, which offers a benefit of £20,000.

Saddlery and Tack

We can provide cover for the physical loss or damage and theft of your tack in respect of the actual value at the time of loss but not exceeding the sum insured. Cover can be included for sums insured up to and including £10,000, with the excess £100 for each and every loss

Trailer/Horse Drawn Vehicle

You can insure your trailer (up to a value of £10,000) against physical loss or damage whilst immobilised and whilst being towed. The excess on this section is £100.

We can also provide stand alone trailer insurance for values up to £20,000

Horse Insurance – Policy Documents

Terms and Conditions

The Terms and Conditions outline the full details of cover available under the KBIS Leisure Policy, the KBIS Competition Policy and the KBIS B&W Equine Plan Policy.

Policies taken out on or after 01/01/2019 

Insurance Product Information Document (IPID)

The IPID outlines the significant features, benefits, exclusions and limitations of the KBIS Leisure Policy, the KBIS Competition Policy and the KBIS B&W Equine Plan Policy. They do not contain the full Terms and Conditions. 

Policies taken out on or after 01/01/2019 


        If your policy started before 01/1/2019 then please visit our archive page to view the relevant Key Facts, IPID and Terms and Conditions.

          Horse Insurance – Claim Forms

          Online Claim Forms:

          Downloadable/Printable Claim Forms:

          Please note that if you are intending to make a mortality claim, it is a condition of the policy that a post mortem examination is carried out and the report sent to KBIS.

          The following guide will help to ensure that you have complied with the terms of your policy with regards to claims notification. It is important to adhere to these conditions as failure to do so may result in your claim not being paid.

          Horse Insurance – Vetting Requirements

          If you are purchasing stand-alone open wounds only cover a vetting is not required.

          If you would like to take out our Mortality & Theft Cover, please refer to the relevant table 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

          *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.

          Horse Insurance – Loaned Horses

          If you are insuring a loan horse you will need to provide KBIS with a copy of the loan agreement. This means that KBIS can direct any claim settlements to the right party (veterinary fee claims are usually settled to the loanee whilst mortality and loss of use claims payments are settled to the owner).

          In addition, KBIS will require a clinical print out from the veterinary practice showing the horse’s medical history.

          Horse Insurance – B&W Equine Plan

          The B&W Equine Plan is a unique insurance policy for clients of the B&W Equine Group, providing comprehensive insurance cover for your horse combined with veterinary benefits.

          The insurance policy offers the same choice of vet fees cover as you would find on our Competition policy but the cover includes an annual health check and dental examination, with routine rasping if required, from your usual B&W clinic.

          The Benefits

          • An annual health check
          • An annual dental examination including routine tooth rasping
          • 5% discount on all vaccinations
          • 10% discount on all Equistro supplements
          • 7.5% discount on your policy premium (subject to no claims)
          • A simplified claims process – mostly dealt with by KBIS and the staff at the B&W Equine Group.

          If you would like to discuss a B&W Equine Plan then contact us on 0345 230 2323 and we can explain the cover options available and provide you with a quotation. We regret that we are unable to provide an online quotation under this policy type.

          What Our Clients Say

          Frequently Asked questions

          Mortality & Theft

          Mortality and Theft is the starting point of your insurance. It is the benefit paid following the death or euthanasia of the horse or if the horse is lost or stolen and not found. This benefit will be the sum insured/market value of the insured horse

          You can then choose to add additional cover such as vet fees, permanent loss of use, personal accident and legal liability to your policy.

          Most insurance companies will offer All Risks of Mortality, which covers the loss of your horse due to accident, illness or disease. At KBIS we refer to this as Basic Cover.

          You can also purchase Mortality Cover for accidental, external and violent injuries only, this cover is usually offered when the horse becomes older and the risk of mortality as a result of an illness or disease becomes to high. At KBIS when a horse reaches 26 years of age cover is then limited to accidental, external and violent injuries only.

          Purchase price is the price that you paid to take on the ownership of the horse. Market value refers to the amount that would generally be paid for a horse of a similar age, sex, breeding and ability. Sum Insured is the amount you choose to insure your horse for.

          The market value will therefore obviously alter while the horse is in your ownership depending on what you do with him/her, age and any injuries sustained etc. When insuring a horse that has not been recently purchased you need to look at their market value and similarly at renewal the market value will come into play rather than the purchase price.

          To establish the market value of a homebred horse you would generally consider the stud fee plus their bloodlines. When the horse/pony has achieved a competition record this can then also be taken into account.

          If you have recently purchased your horse most people choose to insure their horse for the purchase price. You can choose to under insure your horse in order to reduce your premium but before choosing to do this you should ask yourself how much it would cost you and how much can you afford to pay to purchase another horse if the worst should happen.

          Although under insuring is an option, most insurance companies will not under insure a high value horse below a certain value.

          Age will also affect how much you can insure your horse for; generally, as horses get older, insurance companies place restriction on the value for which they can be insured.

          At KBIS, limitations on the sum insured apply once the horse reaches 17 years of age; however,  we do look at every case individually and are always happy to approach our Underwriters in exceptional circumstances:

          Age Limitations on Sum Insured:

          Age Maximum Sum Insured
          17 – 18 £3500
          19 £2500
          20 £2000
          21 – 24 £1000
          25 + £500

          As a general rule you cannot insure for a value above the purchase price for a horse/pony that has been recently purchased. Your insurance company will most probably advise you that they can reviewed the value in 6 months when, for instance you may have built up a successful competition record.

          You will only receive the sum insured if this is a true reflection on the horse’s market value. It is important to remember that an insurance company will pay out for the market value of the horse at the time of loss up to the sum insured. If the market value is deemed to be lower than the sum insured, any claim settlement will be adjusted accordingly.

          Basic mortality insurance only pays out if the horse needs to be euthanised immediately due to severe unrelenting pain. The British Equine Veterinary Association (BEVA) has issued guidelines for vets when dealing with mortality insurance, these can be grouped into three scenarios when a horse is euthanised from an insurance perspective:

          1. Immediate emergency euthanasia where a condition is so severe that immediate euthanasia is required to relieve incurable and excessive pain and no other options of treatment are available.
          2. Critical illness or injury necessitating non-immediate euthanasia, the horse exhibits signs of severe and unremitting pain that can be controlled by safe and effective levels of analgesic medication in the short term but, in the opinion of the attending veterinary surgeon, cannot be managed in the long term and no other options of treatment are available. In these cases insurers must be advised prior to euthanasia to allow them the opportunity to get a second opinion.
          3. Injury or illness which, whilst career ending and the horse may be permanently lame, can be managed on low levels of medication and the horse can be retired. Owners may decide that the right answer for them and the horse is to choose to put the horse to sleep, but this would not be a valid mortality claim. Although it may represent a Permanent Loss of Use claim if this level of cover was included in the policy.

          To view The BEVA Guidelines click here

          Vet Fee Cover

          Vet fee cover provides insurance against non routine veterinary procedures. Vet fee cover can be extremely beneficial and will help you to make sure your horse receives the veterinary attention required in the event of an injury, without you, the horse owner, having to worry about the cost.

          When looking at vet fee cover you need to consider the following areas (definitions of these terms can be viewed under our Glossary of Terms section)

          • Excess
          • Complementary Treatment
          • Diagnostic Limitations
          • Incident Limit
          • Cover limitation
          • Period of Claim

          Most insurance companies will offer a range of different vet fee options so that you can choose what cover you would like, depending on your own personal circumstances. As your horse gets older, you will generally find that vet fee cover becomes limited, and you may only be able to get Accidental External Injuries Only cover, i.e. the horse will not be covered for sickness and disease.

          With vet fee cover you generally get what you pay for and the higher level of cover will usually mean that you have a lower excess to pay, a higher incident limit and will include cover for complementary treatments and hospitalisation.

          At KBIS we run two different separate scales; our Leisure Horse policy offers lower cost cover and has eight different options that can be viewed here.

          Our Competition cover, has a separate scale of vet fees classified from Bronze to Platinum and includes options for complementary treatment and a higher level of cover for colic surgery. Our Competition vet fees can be viewed here.

          If your horse/pony is injured or becomes ill and you have to seek veterinary attention you need to notify your insurance company as soon as possible. Even if you do not end up claiming for the incident it is better to advise your insurance company sooner rather than later. If you are unsure what vet fee cover you have, you will then be able to ask your insurance company exactly what cover you have in place. Relaying information to your vet such as the incident limit and period of claim that you have on your policy will help them to decide upon the best course of treatment and discuss the different options with you.

          It is important to remember that most insurance companies will limit a certain period of time at the start of your policy to Accidental External Injuries Only, and you should check your documents to make sure you know how long this period is.  If you are unsure whether you are able to claim for a problem during this limited period, you should contact your insurance company as soon as possible.

          If your vet recommends that your horse needs to undergo expensive diagnostics such as an MRI scan or bone scan, it is advisable to check with your insurance company before going ahead to make sure that there are no restrictions or exclusions which might prevent these from being covered.

          The amount you can claim up to will depend on your incident limit, which usually varies between £1250 – £5000. This claimable amount only applies after you have paid the excess amount, which can range from £125 up to around £350 depending on the cover you have taken out. It is important to check your insurance certificate for your individual policy cover.

          Our Leisure policy offer veterinary fee cover for 12 or 15 months from the onset of the incident; that is when the first clinical signs of the illness, injury or disease was noted.  On our Competition policy all of the veterinary fee scales of cover (Bronze through to Platinum) include cover for 15 months as standard, placing less pressure on you and your horse to try to resolve any medical matters with a 12 month extension period.

          If your policy renews when you have an open claim running, you will still be able to claim under your expired policy until you reach your incident limit or until you have reached the time limit for the claim (be this 12 or 15 months after onset, depending on your cover). Most insurance companies will place an exclusion on the renewed policy for any conditions or incidents which occurred before renewal, to make sure that there is no possibility of claiming on both policies for the same condition. The exclusion on the renewed policy will not affect your claim, but it will mean that once you have reached your per incident limit or exceeded your 12 or 15 months after onset, you will not be able to make a further claim for the same condition or anything related to it.

          Complementary Treatments, sometimes referred to as Alternative Treatments, cover you for treatments such as physiotherapy, laser treatment and remedial shoeing. Not all vet fee cover options include complimentary treatments and those which do may have a separate incident limit.

          KBIS offer Complementary Treatment cover on our Competition policies at Silver, Gold and Platinum level and also on our Leisure policies at Scale F & G level, with the limit being up to £500 within the incident limit.’

          A list of treatments which are viewed by KBIS as being complementary treatments can be viewed here.


          If the condition worsens and the horse or pony requires surgery, it is important to notify your insurance company straight away to check that you are covered for the horse to be anaesthetised. If there is a claim open for the condition, the surgery will be included as part of the total claim (i.e. there is no separate limit). This means that if the horse has had diagnostics or treatment prior to the operation, you should be prepared for the fact that the total cost may exceed the limit of your insurance and you may have to fund some of the costs yourself. If you are concerned about this, you should discuss the cost of the surgery with your vet.

          Operations will often mean that the horse has to be stabled at the veterinary practice. Not all policies include hospitalisation costs so it is important to check your policy beforehand. Additional costs involved, such as transportation, would generally not be covered.

          If the cause of a lameness cannot be diagnosed and the vet needs to look towards using more advanced diagnostic procedures such as a MRI scan it is again important to speak with your insurance company before going ahead. While most insurance policies would cover the procedure they may need to be satisfied that all other options have been explored and considered before you go ahead with the procedure. Again you will only be covered up to your incident limit.

          All insurance policies carry general exclusions, that is areas or circumstances when the insured will not be covered, which is why it is always important to read the terms and conditions of your policy carefully.

          KBIS’ policy wording carries a general exclusion for ‘pre-existing’ conditions, i.e. an illness, injury or disease which occurred or was diagnosed before the policy started or renewed. However, KBIS also applies specific exclusions to individual policies in reference to any identified pre-existing conditions, which provides policyholders with more clarity when they are considering making a claim. These specific exclusions could also be in relation to a noted condition or conformational fault which may pre-dispose a horse or pony to an illness, injury or disease.

          You can find out further information on exclusions, including the KBIS exclusion review procedure, on our Exclusions page.

          Each insurance company will have their own specific procedures, the most important point is to notify your insurance company as soon as possible if you think an incident may lead to a claim. The KBIS claim procedure and claim forms can be viewed on our Claims page.

          Legal Liability

          Legal Liability is one of the most important areas to consider taking out cover. It provides the policy owner with cover against their liability to a third party or damage to third party property, for example if your horse broke free when tied up in your yard and then proceeded to cause an accident on the road.

          Insurance companies may also refer to this cover as Public Liability or Third Party Liability.

          Although not law it is one area of cover that should not be overlooked. Legal Liability cover is generally not very expensive to add on to a horse policy and will increase your premium by around £15 but could save you thousands in the event of a claim.

          Membership with affiliated bodies will sometimes include Legal Liability cover. It is important to check exactly when, where and what it covers you for as it may only provide you with cover when you are riding or competing at one of their events or clinics.

          You should never admit to any responsibility or negotiate any kind of settlement. Liability claims can be very complex and your insurance will only be valid if you were legally responsible for the horse at the time of the incident and the incident was a direct result of your negligence.

          It is important to notify your insurance company straight away and forward any documentation straight to them without replying. Your insurance company will then deal with any claims against you on your behalf.

          Even if your liability to the third party is under dispute the underwriters may decide to settle on economic grounds, this is due to the fees that would be incurred should the incident go to court.

          Personal Accident

          Personal Accident insurance covers you if you sustain a bodily injury through riding, handling, mounting or dismounting the insured horse. Most insurance companies offer two different levels of cover, a lower and higher level.

          Cover varies from policy to policy but under a typical KBIS horse insurance policy it would cover the policyholder and any person to whom the policyholder has given permission to ride or handle the horse. Cover would be in accordance to the schedule of benefits as in your policy terms and conditions.

          If the horse is being used in a business environment i.e. in a riding school lesson you will not usually be covered; the riding school should have their own Personal Accident cover in place.

          When added onto a horse policy Personal Accident cover is not an expensive addition. There would be an increase in premium of around £15 – £30 depending on the level of cover you take out. Personal Accident cover under a horse policy is designed as ‘catastrophe’ cover and is more limited than a specific Personal Accident Insurance Policy.

          If the cover available is not adequate for your needs then you should consider taking out a stand alone Personal Accident policy. Additional benefits will include Temporary Total Disability which will pay the policyholder a weekly amount in accordance to the benefit scale if they are temporarily unable to carry out their normal business or occupation. Unlike when added on to a horse policy, when cover is limited to riding or handling the insured horse only, a stand alone personal accident policy will cover you whilst riding any horse and can also include other activiities as well.

          Click here to view the cover available under a KBIS standalone Personal Accident policy.

          Saddlery & Tack

          Most insurance companies will insure you for loss or damage to saddles (including stirrup leather and irons) and bridles (including any martingales and harnesses). It is generally the equipment that is used on the insured horse whilst being used for the activities for which it is insured.

          You will not be covered for general wear and tear or any damaged caused by, for example vermin. You will also not be covered for rugs, grooming kits, hats and other such items. Such limitations will be noted in the terms and conditions of your policy.

          Generally most insurance companies will base the settlement on the actual value at the time of loss, therefore if when you take out your policy your saddle is new you should insure it for its full value. When your policy is up for renewal it may be worth decreasing the value depending on the current condition and market value of the saddle.

          The security requirements will vary between insurance companies but with KBIS if your tack is being kept in a yard where there are more than 10 horses then an alarmed tack room would be required. In all other cases the tack must be kept in a secure building and the doors must be locked with a deadlock and any windows securely locked. If you are unable to meet the security requirements then it may be worth speaking to your insurance company as a compromise may be able to be reached.

          Such conditions of your insurance policy will be stated in the policy terms and conditions.

          Trailers & Horsedrawn Vehicles

          Under a horse policy with KBIS your trailer or horse drawn vehicle would be covered whilst immobilised and whilst being towed for any damage or physical loss up to the sum insured.

          Such policies would not cover you for any legal liability to third parties, this should be covered under the insurance of the towing vehicle. It would also not include any general wear and tear or mechanical breakdown.

          Yes your insurance does provide cover should your trailer or horse drawn vehicle be damaged or destroyed whilst you are towing it, but it only covers the trailer and not the towing vehicle.

          You do not need to have your trailer in a secure building but it will need to be immobilised when it is not in use. A wheel clamp and hitch lock would be the ideal but the exact terms will be stated in your policy terms and conditions.

          As long as you are not receiving any form of payment for transporting the horse or transporting horses as a business you will normally be covered under your policy. If in doubt you should ask your insurance company.

          If you let someone else use your trailer/horse drawn vehicle as a one off and do not receive any payment it would not affect your cover. However if someone is regularly using your trailer, using it for businesses purposes or is partly responsible for its security and maintenance then you should contact your insurance company as this may affect your cover.

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