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Equine and Livestock
Next to your home or car, owning a horse or livestock can be one of the most expensive purchases you will ever make, so it makes sense to protect yourself and your investments.
Our dedicated team of specialists have a wealth of experience and expertise in designing insurance solutions for a wide range of equine and livestock needs.
Marsh can provide insurance cover for:
- Competition, leisure, rearing and breeding horses (24 hours – 16 years)
- Prospective Foals (From a positive 42 day scan onwards)
- Senior Horses (17 years – 25 years)
- Thoroughbred and Standardbred racehorses
- Semen
- All types of Livestock
And our cover is backed by London based international underwriters Lloyds, who have an ‘A’ claims rating, giving you peace of mind that you’re being looked after by the best in the business.
Horse Insurance Cover
The New Zealand horse industry offers great thrill and excitement; however, all animals are susceptible to mishaps; from accidents and injuries to sickness and disease. Like us, we know every horse has its own unique exposures and this calls for flexible, customised insurance cover.
Our specialist horse insurance team have been operating out of the Waikato since 1995 and have a genuine interest in the horses they insure. We pride ourselves in our ability to tailor insurance products specifically for the needs of owners of leisure, riding and competition horses - including thoroughbred and standardbred horses.
Livestock Insurance Cover
Whether you have one animal or hundreds, Marsh can tailor insurance to suit your specific needs. From alpacas and cattle, to deer and sheep, our insurance includes herd cover, mortality cover, stud infertility, transit insurance and more.
Note: Not all policies include transit within and between New Zealand and Australia. The geographical limits can be extended to include other countries on request.
Thoroughbreds
Veterinary examinations are required for all horses with a sum insured over $115,000 (incl. GST). All other horses are subject to an acceptable Declaration of Health.
Premier Cover
Death or destruction on humane grounds, by accident sickness or disease and limited theft and transit within and between New Zealand and Australia.
A vet certificate is required on horses aged over 15 years and under 30 days of age.
Transit Insurance
Mortality coverage whilst the horse is transiting between countries.
Foetus Insurance
Provides protection for the unborn foetus, cover can expire 45 days or six months after birth.
Foals
Foals can be insured from 24 hours of age for an annual period or until the yearling sales.
Foal Vet Certificate can be found here.
Stallion Infertility Clause
In the event your proven stallion becomes permanently infertile from accident, sickness or disease, you will be paid up to 100% of the indemnity due under the mortality policy.
Congenital Infertility
Congenital infertility cover is available for first season stallions.
Care, Custody and Control
This insurance is essential for anyone who has care, custody or control of another person’s horse/s whether they are a commercial operation or not. Studs, thoroughbred trainers, agistment and shuttle stallion farms who are responsible for other people’s horses are among those who should seriously consider this cover. The policy pays up to the sum insured for the costs you are legally obliged to pay others for damage to horses in your care, custody or control.
This coverage does not apply to horses you own or lease, which typically are covered by a mortality policy. Almost all general liability policies exclude coverage for injury or death to any animal in your care, custody or control. Our CC&C policy will defend and protect you against claims for negligent acts.
Standardbreds
Veterinary examinations are required for all horses with a sum insured over $115,000. A veterinary certificate is required on horses aged over 15 years and under 30 days of age. All other horses are subject to an acceptable Declaration of Health.
Classic Cover
- Death or destruction on humane grounds from any accident sickness or disease
- Theft
- $10,000 Life Saving Surgical cover of reasonable life saving surgical costs necessitated by accident, injury or illness. ($1,000 excess applies) for horses within New Zealand only
- Transits within and between New Zealand and Australia.
$10,000 Major medical cover available for additional premium.
Transit Insurance
Mortality coverage whilst the horse is transiting between countries.
Foetus Insurance
Provides protection for the unborn foetus, cover expires 45 days or 6 months after birth.
Foals
Foals can be insured from 24 hours of age for an annual period or until the yearling sales.
Foal Vet Certificate can be found here.
Stallion Infertility Clause
In the event your proven stallion becomes permanently infertile from accident, sickness or disease, you will be paid up to 100% of the indemnity due under the mortality policy.
Congenital Infertility
Congenital infertility cover is available for first season stallions.
Care, Custody and Control
This insurance is essential for anyone who has care, custody or control of another person's horse/s whether they are a commercial operation or not. Studs, thoroughbred trainers, agistment and shuttle stallion farms who are responsible for other people’s horses are among those who should seriously consider this cover. The policy pays up to the sum insured for the costs you are legally obliged to pay others for damage to horses in your care, custody or control.
This coverage does not apply to horses you own or lease, which typically are covered by a mortality policy. Almost all general liability policies exclude coverage for injury or death to any animal in your care, custody or control. Our CC&C policy will defend and protect you against claims for negligent acts.
Equestrian
Mortality Only Cover: 24 hours of age through to 19 years of age
- Death or destruction on humane grounds from any accident sickness or disease
- Theft
- Transits within and between New Zealand and Australia.
Advanced Cover: Ages 6 months – 16 years
- Death or destruction on humane grounds from any accident sickness or disease
- Theft
- $5,000 of reasonable medical and surgical charges necessitated by accident, injury or illness. ($500 excess applies)
- Transits within and between New Zealand and Australia.
- 12 month extension clause
Advanced Plus Cover: Ages 4 – 16 years
- Death or destruction on humane grounds from any accident sickness or disease
- Theft
- $5,000 of reasonable medical and surgical charges necessitated by accident, injury or illness. ($500 excess applies)
- Plus Permanent Loss of Use by accidental, external and violent means. Settlement based on 50% if you elect to keep the horse in retirement or 75% of the sum insured should the horse be put down.
- Transits within and between New Zealand and Australia.
- 12 month extension clause
Grand Prix Cover: Ages 4 – 16 years
- Death or destruction on humane grounds from any accident sickness or disease.
- Theft
- $10,000 of reasonable medical and surgical charges necessitated by accident, injury or illness. ($1,000 excess applies)
- Plus Permanent Loss of Use by accidental, external and violent means. Settlement based on 50% if you elect to keep the horse in retirement or 75% of the sum insured should the horse be put down.
- Transits within and between New Zealand and Australia.
- 12 month extension clause
Superior Cover: Ages 4 – 16 years
This cover requires a 5 stage veterinary certificate with radiographs to be completed and submitted to our underwriter for acceptance. Please refer to our x-ray requirement list.
- Death or destruction on humane grounds from any accident sickness or disease.
- Theft
- $10,000 of reasonable medical and surgical charges necessitated by accident, injury or illness. ($1,000 excess applies)
- Plus Permanent Loss of Use by Accident, illness or disease. Settlement based on 50% if you elect to keep the horse in retirement or 75% of the sum insured should the horse be put down.
- Transits within and between New Zealand and Australia.
- 12 month extension clause
Senior Horse Cover Options
Senior Horse Cover 1: Mortality from any accident, injury or illness – Ages 17 -19 years
- Death or destruction on humane grounds from any accident sickness or disease
- Theft
- Transits within and between New Zealand and Australia
- Mortality Veterinary Certificate Required
Senior Horse Cover 2: Mortality from accidental, external and violent means ONLY – Ages 17-25 years
- Death or destruction on humane grounds from accidental, external and violent means
- Theft
- Transits within and between New Zealand and Australia
- Declaration of Health Required
Additional extensions such as $5,000 Veterinary fee cover from accidental, external and violent means, third party liability and carcass disposal costs are available.
Additional extension options:
Increased Colic Surgery Extension:
- NZ$10,000 in the aggregate per insured animal per period of insurance. This extension covers the difference between the Major Medical Coverage and NZ$10,000 ($500 Excess payable under $5,000 Major Medical extension)
Third Party Liability Coverage for property damage only:
- NZD$300,000 Third Party Liability Coverage for tangible property damage which occurs anywhere in New Zealand (NZD$500 Excess applies)
Carcass Disposal Costs Extension Clause
- NZD$500 Carcass disposal incurred by the policyholder if the Insured Horse has a valid claim under the All Risks of Mortality or Loss of Use sections of the policy
Foals
- Foals can be insured from 24 hours of age for an annual period.
- Transits within and between New Zealand and Australia.
- Foal Vet Certificate can be found here.
Transit Cover
- Mortality coverage whilst the horse is transiting between countries.
Stallion Infertility Clause
- In the event your proven stallion becomes permanently infertile from accident, sickness or disease, you will be paid 100% of the indemnity due under the mortality policy.
Veterinary Certificate Requirements
- Any horse that has received veterinary treatment in the past 12 months.
- Stage 1 & 2 Vet Certificates for horses valued at $57,500 and above.
- Stage 5 Vet Certificate including x-rays for any horse requiring the superior cover. Please refer to our x-ray requirement list.
- Horses under 30 days and 17 years and over.
Alpacas
Supreme Cover
Death or destruction on humane grounds, by accident sickness or disease and limited theft.
Stud Male Infertility
In the event your proven stallion becomes permanently infertile from accident, sickness or disease, you will be paid up to 100% of the indemnity due under the mortality policy.
Crias
Crias can be insured from 30 days of age for an annual period.
Veterinary Certificates
are required for:
- All alpacas insured over $28,750; and
- Crias from 30 days of age to 90 days of age; and
- Alpacas over the age of 12 years
- Any male insured for permanent infertility
All other alpacas insured are subject to an acceptable declaration of health.
* NZ3DE Promotion terms and conditions:
For any new “Advanced Cover” policy taken out as a direct result from attending the Taupō 3DE – Marsh will apply an automatic addition of our “Colic Surgery Extension” usually valued at $50.00. This addition will only apply for the length of the policy period. The Colic Surgery Extension addition increases your Vet Fee cover up to $10,000 in the event of a colic surgery claim. This offer is only valid between 12th May 2021 and 31st May 2021 and the special code NZ3DE must be applied when Requesting a Quote, or Requesting insurance online. This offer only applies to Equestrian Horses only and is subject to usual terms and conditions. It excludes Standardbred, Thoroughbred, Equestrian Foal and Prospective Foals.