Horse Time Limited insurance
Cover for horses aged 12 months to 40 years for accidents and illness.
How does our Horse Time Limited policy work?
Our Horse Time Limited insurance covers vet fees for accidents or illnesses up to your chosen vet fee limit, for a maximum of 12 months.
You can choose a policy that covers vet fees for each condition between £3,500 and £10,500 and you can claim for multiple conditions each year.
The 12-month period starts from the date that you, your vet, or a treating professional first noticed signs or symptoms of the condition. If your vet agreed that you could monitor the condition without treatment, the 12 months starts from the date your vet recommended you start treatment for your horse’s condition.
If your policy is due to renew during the 12-month period and you haven’t reached your vet fee limit, you must renew to continue cover for that condition. Renewing your policy means that the 12-month period can continue but you will need to keep paying your premium. If you don’t renew, your cover will end at the renewal date. If you do renew, we will continue to cover the condition until either the 12-month time limit has passed, or you've reached your vet fee limit – whichever happens first.
After 12 months, or when the vet fee limit is reached, we won’t cover the accident or illness again.
Would you like to know more?
Read through our policy documents for more information.
Already an existing customer?
Please refer to the policy documents we sent you when you took out or renewed your policy. You can Login to your online account to view these.
Amount of cover
Select a policy below to see all cover limits including additional benefits.
Vet fee excess: £199, £249, £499
|
Section A: Vet Fees |
£3,500 |
|
Included up to:£1,50 |
|
Section B: If your horse dies |
Up to £6,000 or the purchase price whichever is less |
|
Section C: If your horse injures someone or damages their property |
£2m |
Vet fee excess: £199, £249, £499
| Section A: Vet fees | £5,500 |
|
Included up to: £2,500 |
|
Section B: If your horse dies |
Up to £8,000 or the purchase price whichever is less |
|
Section C: If your horse injures someone or damages their property |
£2m |
Vet fee excess: £199, £249, £499
|
Section A: Vet Fees |
£7,500 |
|
Included up to:£3,500 |
|
Section B: If your horse dies |
Up to £10,000 or the purchase price whichever is less |
|
Section C: If your horse injures someone or damages their property |
£2m |
Vet fee excess: £199, £249, £499
|
Section A: Vet Fees |
£10,500 |
|
Included up to:£4,500 |
|
Section B: If your horse dies |
Up to £10,000 or the purchase price whichever is less |
|
Section C: If your horse injures someone or damages their property |
£2m |
How much cover do you need?
Our average vet claim was for £1691 in 2025.
Knowing how much your horse could cost is important so you’re prepared with the right type of policy and we’re here to help with cover up to £7,500 in a year.
*This figure shows the average cost of vet fees claimed for horses, for the top 15 conditions that were submitted to Animal Friends in 2025.