Ireland's only lifetime horse insurance

Horse Insurance

Complete cover for peace of mind

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Up to €10,000 towards veterinary treatment every year

Cover for common injuries and illnesses

Vet travel expenses included up to €125

White horse in a stable - Agria Pet Insurance

The original equine insurance

We’ve been helping horses through illness and injury for over 130 years. Still today, all our equine team are specialists, so you know you’re in the right hands if the unexpected happens.

Agria is the only provider in Ireland offering lifetime equine insurance; our cover can support you for the rest of your horse's life.

Our lifelong policies, with up to €10,000 vet fees cover every year, provide insurance that can keep pace with advances in veterinary diagnostics and treatments, ensuring the very best care for horses and peace of mind for their owners.

In addition, should you sell your horse, you can easily transfer your cover to the new owner. Our lifetime equine insurance can stay with your horse for their lifetime.

Give your horse the very best care

Up to €10,000 towards vet treatment every year

So your horse can get the care they need.

Claims paid within 5 days of approval

And we can pay your vet directly, so you can focus on your horse.

Affordable premiums with options to pay by installment

So you don’t have to worry about the cost of insurance when you go to the vet.

Insuring horses since 1890

Agria has been insuring horses since 1890; our mission is to provide the best of care for horses and peace of mind for their owners.*

5% multi horse discount

When you insure two or three horses with us, you will save with our 5% multi-horse discount. **

Vet travel expenses included

Vet’s travel expenses up to €125 per visit for a vet to examine or treat your horse

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Get a 5% discount when you insure more than one horse with us (maximum of 3 horses) or any other pets.

*Agria has been insuring horses in Sweden since 1890; the first company in the world to do so.

**There is a maximum of 3 horses per equine multi-pet policy.

What’s covered

Vet fees
Up to €10,000 per period of insurance.
Complementary treatment
Up to €1,000 each year towards therapies like physiotherapy and hydrotherapy.
Vets travel expenses
Vets travel expenses covered up to €125 per visit.
Euthanasia
Up to €500 to cover the costs of euthanasia and disposal of your horse.
MRI and CT scans
We will pay the cost of Magnetic Resonance Imaging (MRI) and Computerised Tomography (CT) scans provided it has been pre-approved by us.
Veterinary Treatment
Consultations, advice, tests, scans, surgery, prescribed medication, nursing and care carried out by a vet.

Common conditions
As long as there were no symptoms or signs before the start of the policy, your policy will cover a wide range of common conditions, including:

Dental
- Tooth fracture up to €450 per period of insurance for a tooth fracture involving the tooth root.
- Cost of root tip abscess (up to the maximum benefit).
Farriery and remedial shoes
- If the treatment is for laminitis, a coffin bone fracture, a coffin bone fissure, hoof wall separation, abscess, perforation, hoof cracks/keratoma, or traumatic hoof injuries.

Brown horse with two vets - Agria Pet Insurance

For a summary of what is covered, you can read the Insurance Product Information Document for the Equine Lifetime Lite, Equine Lifetime and Equine Lifetime Plus.

Please also read our Important Updates document to view important policy changes.

Optional extras

Death or loss from theft or straying

We will pay the sum insured or market value (whichever is less), up to the maximum benefit for this policy section, if your horse dies, is stolen or goes missing. You can add this cover provided your horse is under 20 years old at the start of the policy, This cover must be purchased with the full Vet Fees policy.

Loss of use

We will pay up to €25000 if your horse needs to be put to pasture or retired due to serious injury or illness. Loss of use must be purchased with death or loss from theft or straying cover. Loss of use can be added to a new policy as long as your horse is under 17 years old at the start of the policy.

What's not covered

Cover for pre-existing conditions that started before your policy
Conditions that began or showed symptoms before your policy started are considered pre-existing. Conditions that arise after your policy exclusion period ends are covered as long as the policy remains active.
Fixed excess and co-insurance percentage
You must pay the fixed excess and co-insurance percentage shown on your Schedule of Insurance. These do not apply to the costs of euthanasia or disposal
The cost of routine care, such as vaccinations and check-ups

For further information please refer to the Policy Terms and Conditions booklet or if you are unsure whether your pet’s treatment will be covered please contact us.

Horse insurance explained

Insurance can be confusing – we want to help. Here are some explanations of important areas of insurance you need to know about.

Fixed excess

This is the amount that you must pay towards veterinary treatment and complementary treatment received during each period of insurance. The fixed amount is applied once per period of insurance for the veterinary treatment your horse receives. You may only increase your excess at time of renewal.

Co-insurance

This is the percentage that you must pay towards the cost of veterinary treatment and complementary treatment received during each period of insurance and is applied per claim. The percentage amount is calculated on the amount left after the fixed excess is deducted. The co-insurance percentage cannot be changed.

The requirements for a vetting certificate depend on the value of the horse and whether you wish to take out additional cover for loss of use and death. We will let you know whether this is required when taking out a policy with us.

Our equine claims team conduct a review of the requested documentation. Additional exclusions may then be placed on your policy depending on the findings.

If additional exclusions are placed on the policy, you will be informed and an additional 14-day cooling-off period will be added.

The cost of horse insurance can vary based on the horse's age, breed, location, activity group, and the type of policy you choose. Lifetime horse insurance is often considered the best option as it provides cover for ongoing and chronic conditions throughout your horse's life. Note that we do not cover conditions that started before your policy, or within your first 14 days of cover.

Although the cost of lifetime insurance may be slightly higher, the peace of mind of knowing your horse is covered for life can outweigh the increased cost.