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Veteran Insurance

Veteran Insurance

KBIS offer full cover for accidents, sickness, and disease for horses up to and including the age of 25. Unlike with other insurance providers, your horse does not need to have been insured with KBIS previously and cover can be taken out at any point. 

Until your horse reaches 15 years of age you have access to over ten different vet fees options, ranging in excess, incident limits and cover. After 15 years of age, you then have a choice of five different vet fees options, across both our leisure and competition cover. These range from full cover for sickness and disease to more limited cover for accidental, external injuries only. We can provide insurance for horses up to and including 30 years of age but once they reach their 26th birthday all cover is limited to accidental, external injuries only.

All of our veterinary fee cover extends to 15 months from the onset date of the incident, meaning you have longer to claim (subject to your incident limit) compared to most other policies on the market.

You can view our veteran vet fee options (16 years to 30 years) in the following table - KBIS Veteran Vet Fee Options.

KBIS have been providing veteran horse insurance for over 25 years. We understand that with advances in both veterinary care and nutrition, horses are living longer and also staying in work, many still competing, into their late teens, so we ensure our policies reflect this, helping you to take care of your horse in their later years.

Please note not all of these options are available online, so if you are unable to find the cover you would like please call us on 0345 230 2323 (option 1) to speak to a member of the team.

PolicyVet Fee ScaleMax Age LimitCover
CompetitionSilver20 yearsCover for Accident, Sickness and Disease. Pays 100% of the Veterinary fees after the excess. 15 Months from onset date.
Incident Limit: £3,500
Annual Limit: Unlimited
Excess: £175
Complimentary treatment: £500
Hospitalisation: £250
LeisureA30 yearsCover for Accidental External and Violent Injuries only. Pays 100% of the Veterinary fees after the excess. 15 Months from onset date.
Incident Limit: £3,000
Annual Limit: Unlimited
Excess: £140
Complimentary treatment: £0
Hospitalisation: £0
LeisureB20 yearsCover for Accidental External and Violent Injuries, Colic Surgery, Joint or Tendon Sheath flushing as a result of Sepsis and surgery for Pastern and Pedal bone fractures. Pays 100% of the Veterinary fees after the excess. 15 Months from onset date.
Incident Limit: £7,500
Annual Limit: £7,500
Excess: £140
Complimentary treatment: £0
Hospitalisation: £0
LeisureC20 yearsCover for Accident, Sickness and Disease. Pays 75% of the Veterinary fees or 100% for colic surgery after the excess. 15 Months from onset date.
Incident Limit: £3,000
Annual Limit: Unlimited
Excess: £175 + 25%
Complimentary treatment: £0
Hospitalisation: £0
LeisureC (horses 21 – 25 years only)25 yearsCover for Accident, Sickness and Disease. Pays 75% of the Veterinary fees after the excess. 15 Months from onset date.
Incident Limit: £3,000
Annual Limit: £3,000
Excess: £175 + 25%
Complimentary treatment: £0
Hospitalisation: £0
LeisureG20 yearsCover for Accident, Sickness and Disease. Pays 100% of the Veterinary fees after the excess. 15 Months from onset date.
Incident Limit: £3,500
Annual Limit: Unlimited
Excess: £175
Complimentary treatment: £500
Hospitalisation: £250

Cover for mortality, theft and straying is also included in the policy and you can add on optional public liability, personal accident, tack and trailer cover. Allowing you to tailor your policy to suit your needs.

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Did you know we provide a 15 month claim period on our veterinary fee and mortality insurance?