Terms & Conditions

Float Cover Product Disclosure Statement

This Product Disclosure Statement (‘PDS’), which includes the policy wording, contains important information about this Horse and Pony Insurance and how it works. This is an important document that has been designed to help You make an informed choice when selecting a suitable insurance policy to meet Your insurance requirements. You should take necessary time to fully consider its contents before making a decision about it.

Other documents may form part of Our PDS. Any such documents will include a statement identifying them as part of this PDS and will be provided at the same time as this PDS.

You need to read the Policy for a full description of the terms, conditions and exclusions that apply.

The Insurer

Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No. 234708 (Allianz) is the Insurer of the Policy.

The Administrator

Petplan® Australasia Pty Ltd ABN 64 069 468 542 AFSL No. 245663 is the sole Administrator of the Policy acting under a binder agreement granted by the Insurer that authorises it to issue, vary and dispose of this insurance and to manage and settle claims and deal with complaints.

Contact details are as follows,

Head Office: 1-3 Smolic Crt, Tullamarine Vic, 3043 Ph: 1300 738 225 Fax: (03) 9339 3377.

Your cooling-off period

This insurance gives You a cooling off period. If for any reason You are not entirely satisfied with Your Policy You can cancel it within the 21 day period commencing on the earlier of the date on which Your Certificate of Insurance is issued and the end of the fifth business day on which the Policy was issued to You. To exercise Your cooling off rights You must advise Us of Your intention to cancel in writing and We will cancel Your Policy and You will receive a full refund of any premiums paid.

Send written confirmation to: Petplan, 1-3 Smolic Crt, Tullamarine Vic, 3043.

You cannot exercise Your cooling off period cancellation right if You have made a claim within the 21 day cooling off period or something has occurred for which a claim may be payable under this insurance.

Cancellation

After the 21 day cooling off period expires, You may cancel Your Policy at any time by writing to Us and We may give You a refund of money You have paid for any period of cover after the cancellation date provided We have not paid a claim.

If You cancel Your Policy after the 21 day cooling off period expires, and You pay Your premium by instalments, and the premium becomes due You may not receive a refund of Your premium.

We will not accept Policy cancellation requests by telephone.

We reserve the right to cancel this Policy on seven (7) days written notice if You do not abide by the terms of these conditions of this Policy, including if You act dishonestly or fraudulently.

Fraud

Fraud by insureds increases Your premium and the premiums of all Policy holders. If You

  • provide Us with false information, or
  • make a false or exaggerated claim with Us, or
  • make any claim with Us which involves Your dishonesty,

We may reduce the amount of or not pay Your claim and in some cases We may void Your Policy.

What You can do to assist Us

Please read this PDS and Policy carefully to make sure it meets Your requirements.

Let Us know if Our service does not meet with Your approval.

Let Us explain to You any area of Your Policy or claim which You are having difficulty with.

Retain this PDS and Policy in a safe place together with any Certificate of Insurance We send You.

Keep evidence of any loss, to help Us ensure that Your claim will not be held up.

Tell Us if You do not understand anything in connection with this PDS and Policy.

General Insurance Code of Practice (‘‘the Code’’)

The General Insurance Code of Practice was developed by the Insurance Council of Australia to further raise standards of practice and service across the insurance industry. The Insurer and Petplan keenly support the standards set out in the Code. You can obtain more information on the Code of Practice and how it assists You by contacting Us.

If You have a complaint

Our aim is to get it right, first time, every time. If We make a mistake We will try to put it right promptly.

We have a free internal complaints resolution process that can be accessed by contacting Us in the first instance:

Petplan Customer Centre, 1-3 Smolic Crt, Tullamarine Vic 3043. Phone 1300 738 225.

If You are not fully satisfied with Our decision then contact Allianz Australia Insurance Limited by contacting the: Allianz Complaints Manager, 2 Market St Sydney, NSW 2000.

If this process doesn’t resolve the complaint You may be able to access the services of an independent external dispute resolution body called Insurance Ombudsman Services (IOS) by contacting;

Insurance Ombudsman Service Ltd, PO Box 561, Collins Street West, Melbourne Vic 8007. Phone: 1300 780808 or (03) 9613 6300, Fax: (03) 9621 2060.

Your private information

PRIVACY NOTICE

This sets out how We use, collect and disclose personal information about You. It replaces any information about privacy in the insurance documentation We have previously provided to You. Further information is in Our Privacy Policy available at www.petplan.com.au.

At Petplan We give priority to protecting the privacy of Your personal information. We do this by handling personal information in a responsible manner and in accordance with the Privacy Act 1988 (Cth). In this Privacy Notice, ‘We’, ‘Our’, ‘Us’ means Petplan Australasia Pty Ltd and Allianz Australia Insurance Limited.

How We Collect Your Personal Information

We usually collect Your personal information from You or Your agents.  We may also collect it from Our agents and service providers; other insurers and insurance reference bureaus; people who are involved in a claim or assist Us in investigating or processing claims, including third parties claiming under Your policy, witnesses and veterinary surgeons; third parties who may be arranging insurance cover for a group that You are a part of; law enforcement, dispute resolution, statutory and regulatory bodies; marketing lists and industry databases; and publicly available sources.

Why We Collect Your Personal Information

We collect Your personal information to enable Us to provide Our products and services, including to process and settle claims; offer Our products and services and those of Our related companies, brokers, intermediaries and business partners that may interest You; and conduct market or customer research to determine those products or services that may suit You.
 

Who We Disclose Your Personal Information To

We may disclose Your personal information to others with whom We have business arrangements for the purposes listed in the paragraph above or to enable them to offer their products and services to You.  These parties may include insurers, intermediaries, reinsurers, insurance reference bureaus, related companies, Our advisers, persons involved in claims, external claims data collectors and verifiers, parties that We have an insurance scheme in place with under which You purchased Your policy (such as a financier or motor vehicle manufacturer and/or dealer).  Disclosure may also be made to government, law enforcement, dispute resolution, statutory or regulatory bodies, or as required by law. 

Disclosure Overseas

Your personal information may be disclosed to other companies in the Petplan/Allianz Group, business partners, reinsurers and service providers that may be located in Australia or overseas.  The countries to which this information may be disclosed  will vary from time to time, but may include Canada, Germany, New Zealand, United Kingdom, United States of America, India and other countries in which the Petplan/Allianz Group has a presence or engages subcontractors.  We regularly review the security of Our systems used for sending personal information overseas.  Any information disclosed may only be used for the purposes of collection detailed above and system administration.

Access to Your Personal Information and Complaints

You may ask for access to the personal information We hold about You and seek correction by calling 1300 738 225 8am to 6 pm AEST Monday to Friday.  Our Privacy Policy contains details about how You may make a complaint about a breach of the privacy principles contained in the Privacy Act 1988 (Cth) and how We deal with complaints.  Our Privacy Policy is available at www.petplan.com.au and www.allianz.com.au.

Telephone Call Recording

We may record incoming and/or outgoing telephone calls for training or verification purposes.  This allows Us to check information You give Us and to verify information We have given You. Where We have recorded a telephone call, We can provide You with a copy at Your request, where it is reasonable to do so.

Significant features and benefits

For details of all relevant Policy features You must refer to the full terms, conditions and exclusions of the Policy and the Certificate of Insurance, which specifies the options taken, for a full explanation of the cover.

Equine Policy Summary

This cover only applies to horses and ponies aged between 30 days and up to 16 years.

  Benefits Maximum Benefit Horse Cover Horse Value Pick & Mix
  Comprehensive ‘package’ offering real value for money Basic Economy plan for Your Horse or pony A totally flexible plan to suit Your exact requirements
1a Death by Injury or Illness or humane destruction of Your Horse Sum Insured
1b Disposal after humane destruction or death of Your Horse $300 Optional Optional Optional
2 Theft or straying Sum Insured
3a Vet Fees for Injury or Illness including Alternative Treatment & medicines $10,000 each year Not Available Optional
3b HIXS Vet Fees for Injury or Illness including Alternative Treatment & medicines $7,000 each year Not Available Optional Optional
4 Saddlery & Tack Sum Insured Not Available Optional
5 Loss of irrecoverable entry Fees $1,000 Not Available Optional
6 Permanent loss of use - 60% or 100% percentage options available Sum Insured Optional Optional Optional
7 Horse floats, trailers & Horse drawn vehicles Sum Insured Optional Optional Optional
✓ Benefits automatically included in Your Policy under the relevant Plan

Veteran Equine Plan

This cover only applies to horses and ponies aged between 17 years and up to 30 years.

There are two options available within Veteran Plan.

Benefits Option A Maximum Benefits Option B Maximum Benefits
1a Death or humane destruction of Your Horse resulting from an Injury $3,000 $3,000
2 Theft or straying plus $600 for Advertising & Reward $3,000 $3,000
3 Vet Fees for Injury including Alternative Treatment & medicines Not Available $2,000
4 Saddlery & Tack Up to the Sum Insured Up to the Sum Insured

HiXS Plan

Petplan Equine ‘HiXS’ is a veterinary fee option available for horses aged from 30 days up to 17 years.

HiXS can be combined with other Insurance options to create a Policy to meet the individual needs of each Horse.

Details of HiXS cover

The maximum amount payable is $7,000 for each Period of Insurance.

Under this option You must pay the first $1,000 towards the cost of each Illness or Injury.

Exclusions

Insurance is not intended to cover every single occurrence, in fact, there are some circumstances the Policy You are considering will not provide Insurance cover for. For example, under all sections of the Policy, We do not pay;

  • Any Horse less than 30 days old and over 30 years of age.
  • Any amount if the incident or Accident causing an Injury takes place as a result of any business, profession, occupation or while You are working for someone.
  • Any amount if the Injury, Illness or incident is shown as excluded in Your Policy including Your Certificate of Insurance.
  • Any amount caused by radiation, nuclear explosion, nuclear fall out or contamination by radioactivity.
  • The cost of treating any Injury or Illness caused by a malicious act, deliberate Injury or gross negligence caused by You or a member of Your Immediate Family or anyone living with You.
  • Your failure to take all reasonable precautions to protect Your Horse from aggravating or pro-longing an Injury or Illness.
  • Any loss caused by or results from an act of force, or violence for political, religious or ideological reasons, war, acts of terrorism, riot, revolution or any similar event, including any chemical or biological terrorism.
  • Any other financial loss, legal compensation, costs or expenses as a result of the death or humane destruction of Your Horse.
  • Any amount which results from You acting or behaving unlawfully, and any fines or penalties.
  • Any amount if You break the Australian laws or regulations including those relating to animal health and importation.
  • Any amount resulting from a disease transmitted from animals to humans.
  • Any pandemic disease that causes widespread Illness, death or destruction affecting horses.
  • Any amount resulting from an Illness that Your Horse contracted while outside Australia, or New Zealand that it would not normally have contracted in Australia or New Zealand.
  • Any costs caused because any Government or Public or Local Authority or any person or Body having the jurisdiction to do so, have put restrictions on Your Horse.
  • Legal expenses, fines and penalties connected with or resulting from a breach of the criminal law by You or an Act of Parliament.
  • Any amount if Your Horse is confiscated or destroyed under the order of any government, public or local authority or any other authority.
  • Any Horse not vaccinated against tetanus, strangles and equine influenza, or any other disease that there is a known vaccine and Vets recommend vaccination.
  • Any Horse not wormed as regularly as normally recommended by a Vet.
  • Any amount caused by an act of terrorism, the use or threatened use of violence to scare or intimidate, malicious persons, civil disobedience, strikes, people taking part in labour disturbances or the involvement directly or indirectly of any unlawful organisations.
  • Any amount caused by the pressure waves of an aircraft, spacecraft or anything else travelling at sonic or supersonic speeds.
  • Any legal expenses resulting from criminal proceedings because of a deliberate act by You.
  • Your legal liability for payment of compensation in respect of:
    • Death, bodily injury or illness, and/or
    • Physical loss or damage to property.

The following exclusions only apply when Your Horse is on a journey within Australia or New Zealand.

  • Any amount if You or Your Horse lives permanently outside of Australia.
  • Any journey You take Your Horse on against a Vet’s advice.

These are only examples of some common exclusions. For full Details of all relevant Policy exclusions You must refer to the Certificate of Insurance and the general exclusions to all sections and also to the specific exclusions to each section under the heading “What We will not pay”.

Your Duty of Disclosure

Before You enter into a contract of Insurance with Us, the Insurance Contracts Act 1984 requires You to disclose to Us every matter You know, or could be reasonably expected to know, (including but not limited to matters relating to the health of Your Pet) that is relevant to Our decision to insure Your Pet, and if so, on what terms Your application for insurance is acceptable and to calculate how much premium is required for Your insurance.

You have the same duty to disclose any relevant matters to Us before You renew, extend, vary or reinstate the Policy.

The duty applies until the Policy is entered into or where relevant, renewed, extended, varied or reinstated (Relevant Time). If anything changes between the time You provide answers or make disclosure and the Relevant Time, You need to tell Us.

You do not need to tell Us about any matter that:

  • diminishes Our risk;
  • is of common knowledge
  • We already know or should know as an insurer;
  • We tell You We do not need to know.

Who does the duty apply to

The duty of disclosure applies to You and everyone that is an insured under the Policy. If You provide information for another insured, it is as if they provided it to Us.

What happens if the duty of disclosure is not complied with

If the duty of disclosure is not complied with We may cancel the Policy and/or reduce the amount We pay if You make a claim. If fraud is involved, We may treat the Policy as if it never existed, and pay nothing.

Policy Limits

Limits do apply to some items covered by Your Policy. You should read Your Policy carefully so that You are aware of what limits may be applicable to You in the event of a loss.

Excess

If You make a claim under any section of Your Policy You may be required to pay an Excess. Most Excesses are detailed on Your Certificate of Insurance but some additional excesses may apply to some additional benefits provided by Your Policy. You should read Your Policy and Your Certificate of Insurance carefully so that You are aware of what Excesses may be applicable to You in the event of a loss.

Costs

The premium payable by You will be shown on Your tax invoice. We take into consideration a number of factors in setting premiums. This can include Sum Insured and Excess selected. Premiums are subject to Commonwealth and State taxes and/or charges. These include Goods and Services Tax and Stamp Duty. The amount of these taxes/charges will be shown on Your tax invoice.

Your premium is apportioned as follows: 70% Insurer premium, 30% Administrator management fee. If a person has referred You to Us, We may pay them a part of the Administrator fee. This will not increase the amount You pay Us.

Renewal

We will write to You before Your Policy expires telling You if We will offer renewal and if so the details of Your next years premium and the Policy terms and conditions. If You do not want to renew this Policy, all You need to do is call Us on 1300 738 225 to let Us know.

If You pay Your premium by direct debit instalments, when Your Policy is due for renewal We will renew it for You automatically, to save You the worry of remembering to contact Us before the renewal date. We will write to You before the Policy expires with full details of Your next years premium and the Policy conditions.

Payments by Instalments

If You pay by monthly instalments and if You do not pay an instalment on time, then if the outstanding instalment remains unpaid for at least 14 days We can refuse to pay a claim arising after the payment was due or if the instalment remains unpaid for at least one month We can cancel Your Policy. We also reserve the right to have You pay the rest of the yearly premium immediately.

Application of GST

All monetary limits in Your Policy are inclusive of GST.

Subject to the above:

  • where You are liable to pay an amount for GST in respect of an acquisition relevant to Your claim (such as Veterinary Treatment services under Your Policy), We will pay the GST amount (except any amount for which You are or would be entitled to an input tax credit).
  • if Your Maximum Benefits or Sums Insured are not sufficient to cover Your loss, We will only pay the GST amount that relates to Our settlement of Your claim (except any amount for which You are or would be entitled to an input tax credit).

Where We make a payment under Your Policy as compensation instead of payment for a relevant acquisition, We will reduce the amount of the payment by the amount of any input tax credit that You would have been entitled to had the payment been applied to a relevant acquisition.

If You register, or are registered, for GST, You must tell Us the extent of Your entitlement to an input tax credit on Your premium at or before the time You make a claim under Your Policy. If You fail to disclose or understate Your entitlement, You may be liable for GST on a claim We may pay. Your Policy does not cover You for this GST liability, or for any fine, penalty or charge for which You may be liable.

Definitions

Petplan Equine® Is a Registered Trade Mark, and Products sold under this Trade Mark in Australia are sold exclusively by Petplan Australasia Pty Ltd under Licence to Petplan UK Limited.

We, Us, Our means Petplan acting on behalf of Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No. 234708, of 2 Market St, Sydney NSW 2000, the Underwriter and Insurer of Your Policy.

12 months means 365 days calculated from and including the date an Injury happens or the first Clinical Signs of an Illness are noticed.

Accident means a sudden, unexpected, unusual, and specific event, which occurs fortuitously at an identifiable time and place and is unforeseen or unintended.

Alternative Treatment means the cost of any consultation, examination, advice, test and legally prescribed medication for the following procedures where they treat an Illness or Injury;

  • Acupuncture, chiropractic, manipulation, herbal medicine, homeopathy, osteopathy, physiotherapy, remedial farriery.

The Treatment must be carried out either by a Vet or on the Vet’s Referral by a therapists or farrier who holds a nationally recognised qualification in their subject.

  • Hydrotherapy carried out either by a Vet or by a therapist following Referral by Your usual Vet.

Certificate of Insurance means the current Certificate issued by Us to You containing details of the cover provided under Your Policy, showing Horse details, Saddlery and Tack details, and Float/Trailer details and including any Exclusions and other specific insurance details that apply to Your Policy.

Clinical Signs means changes in Your Horse’s normal healthy state, Condition or appearance or its bodily functions.

Condition means any Condition that causes discomfort, dysfunction, distress, including injuries, disabilities, disorders, syndromes, infections, isolated symptoms, deviant behaviours, and atypical variations of structure and function and/or death to the Horse afflicted.

Covernote means the printed document called Covernote Horse Details and any letter extending the time of these documents. The Covernote and Covernote Horse Details show the policy details, horse details and any extra Exclusion and clauses that apply.

Excess means the amount stated on Your Certificate of Insurance under the Horse Details section, which is the first part of each unrelated claim and the amount You must pay for each unrelated Injury or Illness.

Family means Your husband, wife, civil partner, life partner, parents, grandparents, brothers, sisters, sons, daughters, grandsons, and/or granddaughters including Family of step and defacto relationships.

Illness means any change to Your Horse’s normal healthy physical state or appearance, sickness or disease.

Immediate Family means husband, wife, civil partner, life partner, defacto partner, parents, brothers, sisters, sons, daughters, including Family of step and/or defacto relationships.

Injury means a physical Injury resulting solely and directly from an Accident, not any Injury that happens over a period of time or is of a gradual nature.

Lease/Loan means an agreement where a person other than the owner of the Horse is responsible for the horse’s stable, grazing, health and general care.

Market Value means the price generally paid for;

  • a Horse of the same age, breed, bloodline, sex and ability as Your Horse just before the Injury happened or the Illness first showed Clinical Signs.
  • a Horse Float/Trailer, Horse Drawn Vehicle of the same age, type and Condition as Your Horse Float/Trailer or Horse Drawn Vehicle, just before the loss, theft or damage occurred.

Maximum Benefit means the most We will pay up to as set out on the Certificate of Insurance under Horse Details.

Our Vet means the Vet We employ to carry out Treatment to Your Horse or discuss Your Horse’s Treatment with Your Vet.

Period of Insurance means the period stated in Your Certificate of Insurance. It does not refer to any prior Period of Insurance if the Policy is a renewal of a previous Policy or any future Period of Insurance for any Policy You may enter into with Us upon renewal. Each period is treated as separate. This is normally 12 months but may be less if Your Horse has been added to Your insurance or it has been cancelled.

Policy means this document and the Certificate of Insurance and any other documents We issue to You which are expressed to form part of the Policy terms, which set out the cover We provide for the Period of Insurance. For the sake of clarity, it does not include any prior Policy that this is a renewal of or any future Policy that is a renewal of this Policy.

Pre-Existing Condition means any Condition(s) or symptoms or signs of that Condition occurring or existing in any form prior to the Policy Commencement Date, or any Injury, Illness or symptoms or signs of that Injury or Illness occurring or existing in any form during the Waiting Period.

Riding means Riding, driving, leading, mounting, dismounting or handling Your Horse.

Replacement Value means the price generally paid for new Saddlery and Tack of the same brand, make, age, type and Condition, as the Saddlery and Tack that has been stolen or destroyed.

Saddlery and Tack means saddles, bridles, leathers, irons, harness and Riding Tack normally used on Your Horse while it is being used for the activities set out on the Certificate of Insurance, (rugs, clothing/costumes and blankets are not included).

Sum Insured means the amount You have chosen, and We have accepted as the most We will pay.

Treatment means Veterinary Treatment or Alternative Treatment.

Vet means a registered veterinarian, specialist veterinarian, vet practice, clinic, hospital, centre including referral hospitals, licensed to practice in Australia, other than one who may be the insured.

Veterinary Fees means the amount Vets in general or referral practice reasonably and generally charge.

Veterinary Treatment means any examination, consultation, advice, tests, X-rays, legally prescribed medication, surgery and nursing required to treat an Illness or Injury that is provided by a Veterinary practice, or a Vet nurse or another member of the Vet practice, under the supervision of the Vet, which is not routine or elective treatment.

Waiting Period means a period of 21 days starting from the Commencement Date shown on Your Certificate of Insurance of the initial Period of Insurance during which an Illness or Condition first occurs or shows Clinical Signs will be excluded from cover unless otherwise stated on Your Certificate of Insurance. The Waiting Period will not apply for any Policy that is a renewal of this Policy.

You, Your means the person(s) named on the Certificate of Insurance.

Your Vet means the Vet You employ to carry out Your Horse’s Treatment.

Your Horse means the Horse named on the Certificate of Insurance under Horse Details.

Your Horse Float/Trailer means the Horse Float/Trailer or Horse Drawn Vehicle or Horse Drawn Vehicle described on the Certificate of Insurance.

General conditions

  • You must tell Us as soon as possible if anything happens which could lead to a claim.
  • You must take proper care and keep in good condition all property covered by Your Policy and take all reasonable precautions to prevent accidents, Injury, loss, theft or damage.
  • Throughout the Period of Insurance You must take proper care of Your Horse and take all reasonable steps to maintain Your Horse’s health. You must arrange and pay for Your Horse to have a yearly dental examination and any Veterinary Treatment normally recommended by a Vet to prevent Injury or Illness.
  • You must arrange and pay for Your Horse to be kept vaccinated against tetanus, strangles and Equine Influenza, and wormed as regularly as normally recommended by a Vet. If You do not keep Your Horse vaccinated and wormed, We will not pay any claims that result from an Illness that would not have occurred if Your Horse had been vaccinated and wormed.
  • If, when You claim, there is any other Insurance under which You are entitled an indemnity, to the extent permitted by law, We will only pay Our share of the claim. You must tell Us the name, address and Your Policy number with them.
  • If You have any legal rights against another person in relation to Your claim, We may take legal action against them in Your name at Our expense. You must give Us all the help You can and provide any documents We ask for.
  • If You have provided false information or make a false or exaggerated claim, or any claim involving Your dishonesty, this Policy will end and We will not make any further payments. If You submit a fraudulent claim, or solicit Your Vet to behave in a fraudulent manner or persuade them to falsify information regarding a claim, then the claim may be denied and We may cancel Your Policy altogether. We may also be entitled to reclaim any payments already made to You in respect to such claims.
  • Regardless of Your claims history, at renewal We have the right to amend Your Policy terms and conditions, this includes:
    • imposing terms such as the application of excesses;
    • increasing Your premiums;
    • excluding cover;
    • amending the Policy wording and/or
    • changing Your payment type.
    We also have the right to not invite renewal. We will notify You in writing of any such action.
  • Your Horse is only covered under this Policy if You pay the premium. If You pay the yearly premium in instalments and You miss an instalment, You must pay the outstanding amount within 14 days of the date the instalment was due to be paid. If We do not receive Your payment within 14 days of the date the premium was due Your Insurance will be automatically stop, and We will make no further payments. If You have made a claim on the Policy We also reserve the right to have You pay the rest of the yearly premium immediately.
  • If We have settled Your claim, We reserve the right to deduct from the claim amount, any amount due to Us.
  • You agree that any Vet that holds information about Your Horse has Your permission to release any information We ask for. If the Vet makes a charge for this, You must pay the charge.
  • If We agree for a claim payment to be paid directly to Your Vet and You allow this, then if the Vet, who has treated Your Horse or is about to treat Your Horse, asks for information about Your insurance that relates to a claim, We will tell the Vet what the insurance covers, what We will not pay for, how the amount we pay is calculated and if the premiums are paid to date.
  • If, after We offer to renew Your Policy, You tell Us something that happened during an earlier Period of Cover which could lead to a claim, We may change the standard premium and Terms and Conditions of this insurance and add exclusions back dated to the date Your Policy renewed.
  • We have the right to cancel Your Policy where permitted by the Insurance Contracts Act (1984).
  • You may cancel this Policy at any time, in writing, and We will give You a refund of the money You have paid for the Period of Insurance after the cancellation date. In the event that You cancel the Policy for whatever reason after having made a claim, or being entitled to make a claim, no premium refunds are payable, and the remaining premium for that Period of Insurance must be paid. We may deduct up to 15% of the refund as an administration charge.
  • When You claim You agree to provide Us with any information connected with the claim We may reasonably ask for, including details of Your Horse’s history. If there is a charge for this, You must pay the charge.
  • You must make sure anyone Riding Your Horse has the experience to ride it, and is able to ride it. They must also use Your Horse for the activities listed in the group or class of use You have chosen as set out on the Certificate of Insurance Horses Details.
  • You must, at all times, insure Your Horse for all the activities that it will be used, or trained to be used, for.
  • You must at all times insure Your Horse for its current Market Value as is reasonably determined by You.
  • You must arrange to for a Vet to examine and treat Your Horse as soon as possible after it shows Clinical Signs of an Injury or Illness. And if We decide, You must take Your Horse to a Vet We choose.
  • If We consider any Veterinary Treatment or Alternative Treatment for Your Horse may not be required, or the Veterinary Fees charged may be excessive when compared with the Treatment that is normally recommended to treat the same Illness or Injury or fees charged are higher than normally charged by a general or referral practice, We reserve the right to request a second opinion from a Vet that We choose. If the Vet We choose does not agree with the Veterinary Fees or Alternative Treatment provided or the fees charged, We may decide to pay only the Veterinary Fees or the Treatment or Alternative Treatment that was necessary to treat the Injury or Illness, as advised by the Vet from whom We have requested the second opinion.
  • We will not guarantee on the phone if We will cover a claim. You must send Us a claim form that has been properly filled in. We will then write to You with Our decision.
  • If a claim has not been has not been submitted within 12 months of Your Horse’s death, euthanasia, being lost, strayed or stolen, or receiving Veterinary Treatment or Alternative Treatment, We may refuse to pay the claim, to the extent that We are prejudiced by the late notification of the claim.
  • Any rights and remedies You have under the Insurance Contracts Act 1984 are not affected by Your Policy.

Cover

If You have paid the premium, We will provide You with the cover set out in the following sections that are shown as applying on Your Certificate of Insurance up to the Maximum Benefits and subject to the terms and conditions of Your Policy and activities listed in the group or class of use You have chosen. The cover applies;

  • In Australia.
  • For up to 30 days during each Period of Insurance for temporary visits to New Zealand.
  • Whilst Your Horse is being transported in Australia and while temporarily in New Zealand, this includes any journeys between these areas.

Section 1 a - Death by Injury or Illness

What We will pay

The Sum Insured or the Market Value of Your Horse, which ever is the lesser, following death or euthanasia by a Vet as a result of;

  • an Injury or Illness that happens or first shows Clinical Signs, during the Period of Insurance ; or
  • surgery to treat an Illness or Injury that happens or first shows Clinical Signs during the Period of Insurance , or
  • medication to prevent an Illness or to treat an Injury or Illness that happens or first shows Clinical Signs during the Period of Insurance.

What We will not pay

  • More than the Sum Insured or the Market Value, which ever is the lesser.
  • Any amount if the death or euthanasia of Your Horse happens more than 12 months after the date the Injury happened or the first Clinical Signs of the Illness were noticed that led to the death or euthanasia.
  • To the extent permitted by law, any amount if the death or euthanasia of Your Horse was caused by an Injury that happened or an Illness that first showed Clinical Signs before the Period of Insurance started.
  • Any amount if Your Vet or Our Vet believes the Illness or Injury Your Horse is suffering from can be treated.
  • Any amount if Your Vet or Our Vet believes it is humane to keep Your Horse alive.
  • To the extent permitted by law, any amount if the euthanasia of Your Horse is carried out before You tell Us about Your or Your Vet’s decision for euthanasia, unless Your Vet believes there was not time for You to tell Us because Your Horse was in so much pain that it needed immediate euthanasia.
  • To the extent permitted by law, any amount if the death or euthanasia of Your Horse results from;
    • an Injury that happened or Illness that first showed Clinical Signs; or,
    • an Injury or Illness which is the same as, or has that same diagnosis or Clinical Signs as, an Injury that happened or an Illness which first showed Clinical Signs; or
    • an Injury or Illness that is caused by, relates to or results from an Injury that happened or an Illness or Clinical Signs which first showed Clinical Signs,
    before:
    • Your Horse’s cover started; or,
    • the date this section was added to Your insurance,
    • no matter where the Injury Illness or Clinical Signs were noticed or happened in or on Your Horse’s body.
  • Any amount if the death or euthanasia of Your Horse results from;
    • an Illness first showing Clinical Signs; or
    • an Illness which is the same as, or has the same diagnosis or Clinical Signs as, an Illness which first showed Clinical Signs; or
    • an Illness that is caused by, relates to or results from an Injury, Illness or Clinical Signs which first showed Clinical Signs,
    within:
    • 21 days of Your Horse’s cover starting; or,
    • 21 days of the date this section was added to Your insurance; or
    • the dates of a temporary cover note, no matter where the Injury, Illness or Clinical Signs were noticed or happened on Your Horse’s body.
  • Any amount if Your Horse’s Condition does not meet the current Australian Veterinary Association (AVA) Guidelines for the destruction of horses under all risk mortality insurance Policy.
  • Any amount if You, an Immediate Family member, anyone living with You, anyone working for You or anyone looking after Your Horse deliberately caused the death or euthanasia of Your Horse.
  • Any amount if the death or euthanasia of Your Horse results from medication unless it is given by a Vet or under the direction of a Vet.
  • Any amount if the death or euthanasia of Your Horse results from a vice or from Your Horse’s behaviour.
  • Any amount for a mare’s unborn foal, embryo or foetus.
  • To the extent permitted by law, any amount if Your Horse is insured by Our Veteran Plan Policy.
  • Any other financial loss, legal compensation, costs or expenses as a result of the death or euthanasia of Your Horse.
  • The cost of a post mortem examination.
  • Any amount if the death or euthanasia of Your Horse results from an Injury or an Illness while taking part in an activity not shown or covered on Your Certificate of Insurance Horse Details.
  • Any amount if the death of Your Horse results from an Illness if Your Horse is aged 17 years or over.

What You pay

The first $200.

Death from Injury (Veteran Plan)

What We will pay

The Market Value of Your Horse or $3,000 whichever is the lesser, following death or euthanasia by a Vet as a result of;

  • an Injury that happens during the Period of Insurance; or
  • surgery to treat an Injury that happens during the Period of Insurance, or
  • medication to treat an Injury that happens during the Period of Insurance.

What We will not pay

  • More than the Sum Insured or $3,000 whichever is the lesser.
  • Any amount if the death or euthanasia of Your Horse happens more than 12 months after the date the Injury that caused the death or euthanasia.
  • Any amount if Your Vet or Our Vet believes the Injury Your Horse is suffering from can be treated.
  • Any amount if Your Vet or Our Vet believes it is humane to keep Your Horse alive.
  • To the extent permitted by law, any amount if the euthanasia of Your Horse is carried out before You tell Us about Your or Your Vet’s decision for euthanasia, unless Your Vet believes there was not time for You to tell Us because Your Horse was in so much pain that it needed immediate euthanasia.
  • To the extent permitted by law, any amount if the death or euthanasia of Your Horse results from:
    • an Injury that happened; or,
    • an Injury which is the same as, or has that same diagnosis or Clinical Signs as an Injury that happened; or
    • an Injury that is caused by, relates to or results from an Injury that happened,
  • before:
    • Your Horse’s cover started; or,
    • the date this section was added to Your insurance, no matter where the Injury happened in or on Your Horse’s body.
  • Any amount if Your Horse’s Condition does not meet the current Australian Veterinary Association (AVA) Guidelines for the destruction of horses under all risk mortality insurance Policy.
  • Any amount if You, an Immediate Family member, anyone living with You, anyone working for You or anyone looking after Your Horse deliberately caused the death or euthanasia of Your Horse.
  • Any amount if the death or euthanasia of Your Horse results from medication unless it is given by a Vet or under the direction of a Vet.
  • Any amount if the death or euthanasia of Your Horse results from a vice or from Your Horse’s behaviour.
  • Any amount for a mare’s unborn foal, embryo or foetus.
  • Any other financial loss, legal compensation, costs or expenses as a result of the death or euthanasia of Your Horse.
  • The cost of a post mortem examination.
  • Any amount if the death or euthanasia of Your Horse results from an Injury while taking part in an activity not shown or covered on Your Certificate of Insurance Horse Details.

What You pay

The first $200.

Special conditions that apply to sections 1A and Veteran Plan

  • You must tell Us as soon as possible if Your Horse shows any Clinical Signs of an Injury or an Illness.
  • If You or Your Vet decides on euthanasia of Your Horse You must tell Us immediately.
  • If Your Vet and Our Vet do not agree that the Illness or Injury Your Horse is suffering from can be treated or that it is humane to keep Your Horse alive, We may employ another specialist Vet, who You agree We can employ. The specialist Vet will examine Your Horse and all parties will accept this Vet’s opinion.
  • You must immediately arrange for a Vet to examine and treat Your Horse if it shows Clinical Signs of an Injury or an Illness. And, if We decide, You must arrange for Your Horse to go to another Vet that We have chosen.
  • The period of 12 months will always start from the date in the Period of Insurance that
    • the Injury first happened; or
    • the Illness or Clinical Signs were first noticed; or
    • an Illness with the same diagnosis or Clinical Signs as the Illness or Clinical Signs that caused the death or human destruction were first noticed,
      no matter how many times the same Illness or the same Clinical Signs are noticed in or on any part of Your Horse’s body.
  • If a number of Injuries, Illnesses, or Clinical Signs are diagnosed as one Injury or Illness, or it is found that they are caused by, or relate to another Injury or Illness, the period of 12 months will start from the date in the Period of Insurance that the first Injury happened or the first Clinical Signs of any of the Illnesses were noticed.
  • You must immediately arrange, at Your own expense, for a Vet to examine and treat Your Horse if it shows Clinical Signs of an Injury or an Illness. And, if We decide, We will refer the case history to a Vet that We have chosen. If We request, You must arrange for Your Horse to go to another Vet that We have chosen.
  • You must take proper care of Your Horse and take all reasonable steps to maintain Your Horse’s health. You must arrange, at Your own expense, for Your Horse to have any Treatment normally recommended by a Vet to prevent Injury or Illness.
  • You must arrange and pay for Your Horse to be kept vaccinated against tetanus, strangles and Equine Influenza and wormed as regularly as normally recommended by a Vet. If You do not keep Your Horse vaccinated and wormed, We will not pay any claims that result from an Illness that would not have occurred if Your Horse had been vaccinated and wormed.
  • If We pay a claim under section 1A - death from Injury or Illness or Veteran Plan - Death from Injury, Your Policy is cancelled from the date of Your Horse’s death and there will be no refund of premium. If Your premium is being paid by instalments, We will deduct from Your claim monies any premium due for the balance of the Period of Insurance , and there will be no refund of money You have paid for the Period of Insurance after the cancellation date.
  • Following the death or euthanasia of Your Horse You must arrange and pay for a post mortem examination.
  • We will not make any claims payment until We have received the following;
    • Death Certificate from Your Vet
    • Evidence of Your legal ownership of the Horse (proof of purchase)
    • If the horse was on Loan or Leased, a copy of the Loan/Lease agreement

Section 1b - Disposal

What We will pay

The cost to remove and dispose of Your Horse’s body following death or euthanasia as a result of an Injury that happens or an Illness that first shows Clinical Signs during the Period of Insurance.

What We will not pay

  • More than the Maximum Benefit
  • Any amount if You do not have Section 1a - Death from Injury or Illness or Veteran Plan - Death from Injury shown as covered on the Certificate of Insurance Horse Details.
  • Any amount if death or euthanasia of Your Horse is not covered under Section 1a - Death from Injury or Illness or Veteran Plan - Death from Injury.
  • Any amount following the death due to an Illness if Your Horse is covered under Veteran Plan - Death from Injury.

Section 2 - Theft or straying

What We will pay

If Your Horse is stolen or goes missing during the Period of Insurance, We will pay:

  • The Sum insured or the Market Value of Your Horse whichever is the lesser, if it is not found or does not return.
  • The cost of advertising to try and find Your Horse and the reward You have offered when Your Horse is found.
  • The amount Your Horse’s Market Value has reduced by if the people who stole it castrate it.

What We will not pay

  • More than the Sum Insured or the Market Value of Your Horse whichever is the lessor.
  • Any amount if You do not have Section 1a - Death from Injury or Illness or Veteran Plan - Death from Injury as shown as covered on the Certificate of Insurance Horse Details.
  • More than $600 for the cost of advertising and the reward You have paid.
  • Any amount if You or the person looking after Your Horse has freely parted with it, even if tricked into doing so, unless the person was looking after or transporting Your Horse in return for money, goods or services.
  • Any amount for the death of an unborn foal, embryo or foetus.
  • Any amount if the theft or loss of Your Horse involves Your employee’s dishonesty.
  • Any reward paid to a member of Your Immediate Family, any person living with You or employed by You.
  • Any other financial loss, legal compensation, costs or expenses as a result of the theft or straying of Your Horse.
  • We will not make any claims payment until We have received the following;
    • Copy of Police Crime Report
    • Evidence of Your legal ownership of the Horse (proof of purchase)
    • If the horse was on Loan or Leased, a copy of the Loan/Lease agreement

Special conditions that apply to this section

  • You must notify the police as soon as You discover Your Horse has been stolen or gone missing.
  • If Your Horse is found or returns, You must repay the amount We have paid You for Your Horse’s Market Value.
  • If We pay a claim under this section Your Policy is cancelled from the date of the theft or the date Your Horse went missing and there will be no refund of money You have paid for the Period of Cover after the cancellation date. If Your premium is being paid by instalments, We will deduct from Your claim monies any premium due for the balance of the Period of Insurance.

Section 3 - Vet’s Fees

What We will pay

The cost of Veterinary Treatment and if instructed by a Vet following examination, the cost of Alternative Treatment Your Horse receives to treat an Injury that happens or an Illness that first shows Clinical Signs during the Period of Insurance.

What You pay

For each Illness or Injury that is not related to any other Illness or Injury, for each claim You must pay the amount shown in the following table towards the cost of Veterinary Treatment or Alternative Treatment.

Excess Table

Section Maximum each Year Excess
Vet’s Fees Section 3 (normal) $10,000 $200
HiXS Plan High excess Vet’s Fees $7,000 $1000
Vet’s Fees Veteran Plan Option B $3,000 $200

What We will not pay

  • More than the Maximum Benefit.
  • The cost of any Veterinary Treatment or Alternative Treatment Your Horse receives after 12 months from the date the Injury happened or the Illness first showed Clinical Signs.
  • The cost of any medicines or materials prescribed or supplied to be used after 12 months from the date the Injury happened or the Illness first showed Clinical Signs.
  • To the extent permitted by law, the cost of any Veterinary Treatment or Alternative Treatment for;
    • an Injury that happened or an Illness that first showed Clinical Signs; or
    • an Injury or Illness which is the same as, or has the same diagnosis or Clinical Signs as, an Injury that happened or an Illness which first showed Clinical Signs; or
    • an Injury or Illness that is caused by, relates to or results from an Injury that happened or an Illness or Clinical Signs which first showed Clinical Signs,
    before:
    • Your Horse’s cover started; or
    • the date this section was added to Your insurance, no matter where the Injury, Illness or Clinical Signs were noticed or happened in or on Your Horse’s body.
  • The cost of any Veterinary Treatment or Alternative Treatment for;
    • an Illness first showing Clinical Signs; or,
    • an Illness which is the same as, or has the same diagnosis or Clinical Signs as, an Illness which first showed Clinical Signs; or
    • an Illness that is caused by, relates to or results from an Illness or Clinical Signs which first showed Clinical Signs,
    within:
    • 21 days of Your Horse’s cover starting; or
    • 21 days of the date this section was added to Your insurance; or,
    • the dates of a temporary cover note, no matter where the Illness or Clinical Signs were noticed or happened in or on Your Horse’s body.
  • The cost of any Veterinary Treatment or Alternative Treatment a Vet normally recommends to prevent Injury or Illness.
  • The cost of any Veterinary Treatment or Alternative Treatment You choose to have carried out that is not required to treat an Injury or Illness, including any complications that arise from this Treatment.
  • The cost of any Veterinary Treatment or Alternative Treatment that results from a vice or from Your Horse’s behaviour.
  • The cost of vaccinations, castration, removing wolf teeth, any Veterinary Treatment or Alternative Treatment for pregnancy or foaling except the cost of treating any complications caused by these procedures.
  • Any costs for the Veterinary Treatment or Alternative Treatment of an Illness if cover is restricted to accidental Injury only as stated on the Certificate of Insurance.
  • The cost of any Veterinary Treatment or Alternative Treatment if Your Horse is covered by Our Veteran Plan Policy Option A.
  • The cost of any Veterinary Treatment or Alternative Treatment for any Injury or Illness deliberately caused by You or a member of Your Immediate Family, or anyone living with You or employed by You.
  • The cost of euthanasia, cremation, burial or disposal of Your Horse.
  • The cost of a post mortem examination.
  • The cost of
    • stabling
    • grazing
    • feeding; or
    • any changes in the way You look after Your Horse
    • any amount You normally pay for shoeing and/or the care of Your Horse’s feet.
  • The cost of any Treatment, which is not Veterinary Treatment or Alternative Treatment, that You could carry out Yourself, unless the Vet confirms that a Vet or a member of a Veterinary Practice must carry this out, regardless of Your personal circumstances.
  • Any costs for transporting/travelling to or from a place of Treatment either for Your Horse or Your Vet.
  • The cost of any Veterinary Treatment or Alternative Treatment that results from an Injury or an Illness while taking part in an activity not shown as covered on Your Certificate of Insurance Horse Details.
  • The cost of any Veterinary Treatment or Alternative Treatment that Your Vet and Our Vet do not agree if We have advised that this agreement is required.
  • If a claim has not been has not been submitted within 12 months of Your Horse receiving Veterinary Treatment or Alternative Treatment, We may refuse to pay the claim, to the extent that We are prejudiced by the late notification of the claim.
  • The cost of any Veterinary Treatment or Alternative Treatment for an Illness if Your Horse is aged 17 years or over.

Vet’s Fees (Veteran Plan Option B)

What We will pay

The cost of Veterinary Treatment and if instructed by a Vet following examination, the cost of Alternative Treatment Your Horse receives to treat an Injury that happened during the Period of Insurance.

What You pay

For each Injury that is not related to any other Injury, for each claim You must pay the amount shown in the following table towards the cost of Veterinary Treatment or Alternative Treatment.

Section Maximum each Year Excess
Vet’s Fees Veteran Plan Option B $ 3,000 $200

What We will not pay

  • More than the Maximum Benefit.
  • The cost of any Veterinary Treatment or Alternative Treatment Your Horse receives after 12 months from the date the Injury happened.
  • The cost of any medicines or materials prescribed or supplied to be used after 12 months from the date the Injury happened.
  • To the extent permitted by law, the cost of any Veterinary Treatment or Alternative Treatment for;
    • an Injury that happened; or
    • an Injury which is the same as, or has the same diagnosis or Clinical Signs as, an Injury that happened; or
    • an Injury that is caused by, relates to or results from an Injury that happened,
    before:
    • Your Horse’s cover started; or
    • the date this section was added to Your insurance.
    no matter where the Injury, Illness or Clinical Signs were noticed or happened in or on Your Horse’s body.
  • The cost of any Veterinary Treatment or Alternative Treatment a Vet normally recommends to prevent Injury.
  • The cost of any Veterinary Treatment or Alternative Treatment You choose to have carried out that is not required to treat an Injury or Illness, including any complications that arise from this Treatment.
  • The cost of any Veterinary Treatment or Alternative Treatment that results from a vice or from Your Horse’s behaviour.
  • The cost of vaccinations, castration, removing wolf teeth, any Veterinary Treatment or Alternative Treatment for pregnancy or foaling except the cost of treating any complications caused by these procedures.
  • The cost of any Veterinary Treatment or Alternative Treatment for any Injury or Illness deliberately caused by You or a member of Your Immediate Family, or anyone living with You or employed by You.
  • The cost of euthanasia cremation, burial or disposal of Your Horse.
  • The cost of a post mortem examination.
  • The cost of
    • stabling
    • grazing
    • feeding; or
    • any changes in the way You look after Your Horse
    • any amount You normally pay for shoeing and/or the care of Your Horse’s feet.
  • The cost of any Treatment, which is not Veterinary Treatment or Alternative Treatment, that You could carry out yourself, unless the Vet confirms that a Vet or a member of a Veterinary Practice must carry this out, regardless of Your personal circumstances.
  • Any costs for transporting/travelling to or from a place of Treatment either for Your Horse or Your Vet.
  • The cost of any Veterinary Treatment or Alternative Treatment that results from an Injury while taking part in an activity not shown as covered on Your Certificate of Insurance Horse Details.
  • The cost of any Veterinary Treatment or Alternative Treatment that Your Vet and Our Vet do not agree if We have advised that this agreement is required.
  • If a claim has not been has not been submitted within 12 months of Your Horse receiving Veterinary Treatment or Alternative Treatment, We may refuse to pay the claim, to the extent that We are prejudiced by the late notification of the claim.

Special conditions that apply to all Vet’s Fees sections

  • You must tell Us as soon as possible if Your Horse shows any Clinical Signs of an Injury or an Illness.
  • You must immediately arrange, at Your own expense, for a Vet to examine and treat Your Horse if it shows Clinical Signs of an Injury or an Illness, and, if We decide, We will refer the case history to a Vet that We have chosen. If We request, You must arrange for Your Horse to go to another Vet that We have chosen.
  • We may decide that We need Our Vet to agree Your Horse’s Veterinary Treatment or Alternative Treatment with Your Vet before it is carried out. We will advise You if this agreement is required.
  • If Your Vet and Our Vet do not agree on the Veterinary Treatment or Alternative Treatment for Your Horse, We may employ another specialist Vet, who You agree We can employ. The specialist Vet will examine Your Horse and all parties will accept this Vet’s opinion of the Veterinary Treatment or Alternative Treatment Your Horse needs.
  • The period of 12 months will always start from the date in the Period of Insurance
    • the Injury first happened; or
    • the Illness or Clinical Signs were first noticed; or
    • an Illness with the same diagnosis or Clinical Signs as the Illness or Clinical Signs that You have claimed for were first noticed,
      no matter how many times the same Illness or the same Clinical Signs are noticed in or on any part of Your Horse’s body.
  • If a number of Injuries, Illnesses, or Clinical Signs are diagnosed as one Injury or Illness, or it is found that they are caused by, or relate to another Injury or Illness, the period of 12 months will start from the date in the Period of Insurance that the first Injury happened or the first Clinical Signs of any of the Illnesses were noticed.

Section 4 - Saddlery and Tack

What We will pay

If Your Saddlery and Tack is stolen, damaged or destroyed during the Period of Insurance, We will pay;

  • the cost of repairing the Saddlery and Tack if it is damaged to bring it back to the same Condition it was in before it was damaged; or,
  • the Replacement Value or the Sum Insured whichever is the lesser of the Saddlery and Tack if the cost of repair is more than it was worth or it is stolen or destroyed.

What You pay

The first $200 for each incident where Saddlery and Tack is stolen, damaged or destroyed.

What We will not pay

  • More than the Sum Insured for each incident.
  • More than $800 for any saddle or item of Tack You do not have formal proof of purchase for, that show the make, model and the date of purchase.
  • Any amount for rugs, clothing or personal effects.
  • Any amount if the Saddlery and Tack is stolen when it is left unattended, unless it has been stolen from;
    • the locked boot or covered luggage area or any other specially designed covered area of a locked vehicle; or,
    • the house, flat, or other domestic building that You live in that has been locked with a deadlock, or equivalent locks on all doors; or,
    • a building or part of a building that You do not live in that has been locked with a deadlock, or equivalent locks on all doors and has steel bars or a steel grid on all windows.
  • Any amount for Saddlery and Tack You do not own.
  • Any amount if the Saddlery and Tack is damaged or destroyed by wear and tear or the actions of moths, insects, vermin, pest or any other cause that happens slowly.
  • Any amount if the Saddlery and Tack is damaged when it is being cleaned, dyed, repaired or restored.
  • Any amount if Your Saddlery and Tack is being used by a Riding establishment or by someone for professional lessons if they are not a member of Your Immediate Family.
  • Any amount to have the Saddlery and Tack adjusted to fit Your Horse.
  • Any amount if the Saddlery and Tack is stolen or damaged as a result of any business activity, Your profession, Your occupation or while You are working for someone, whether You are paid or not.
  • More than the Saddlery and Tack was worth at the time it was stolen, damaged or destroyed.

Special conditions that apply to this section

  • If You have not insured all the Saddlery and Tack You own for its full value We will only pay a percentage of Your claim. The percentage We will pay will be based upon how much of the full value the amount You have insured Your Saddlery and Tack for represents.
  • You must notify the police as soon as You discover any of Your Saddlery and Tack has been stolen or deliberately damaged.
  • If Your Saddlery and Tack is found, You must immediately advise Us and if We have paid Your claim You must repay the full amount We have paid You.

Section 5 - Loss of irrecoverable entry fees

What We will pay

If, during the Period of Insurance, Your Horse dies before a show or event or You are in hospital on the day of a show or event We will pay the cost of any entry fees You cannot recover.

What We will not pay

  • More than $1000 for any entry fee You are unable to recover.
  • Any amount if You are in hospital if it is not the result of an injury or illness.
  • Any amount if You do not have Section 1a - Death by Injury or Illness, shown as covered on Your Certificate of Insurance Horse Details.
  • Any amount if We have not paid a claim for the death or destruction of Your Horse under Section 1 a - Death by Injury or Illness.

Section 6 - Permanent loss of use

What We will pay

The Market Value of Your Horse if an Injury happens or an Illness first shows Clinical Signs, during the Period of Insurance, which results in Your Horse never being able to take part in any one of the activities as set out on the Certificate of Insurance Horse Details, or of the percentage of the Sum Insured or the Market Value of Your Horse whichever is the lesser, as set out on the Certificate of Insurance.

What You pay

The first $200

What We will not pay

  • More than the Sum Insured or the Market Value of Your Horse whichever is the lesser, or the percentage of the Sum Insured or the Market Value of Your Horse whichever is the lesser, as set out on the Certificate of Insurance Horse Details.
  • Any amount if the permanent loss of use happens more than 12 months after the date the Injury happened or the Illness first showed Clinical Signs.
  • Any amount for permanent loss of use if Your Vet and Our Vet do not agree that Your Horse will never be able to take part in any one of the activities set out on the Certificate of Insurance Horse Details.
  • To the extent permitted by law, any amount for permanent loss of use caused by;
    • an Injury that happened or an Illness that first showed Clinical Signs; or
    • an Injury or Illness which is the same as, or has the same diagnosis or Clinical Signs as, an Injury that happened or an Illness which first showed Clinical Signs; or
    • an Injury or Illness that is caused by, relates to or results from an Injury that happened or an Illness or Clinical Signs which first showed Clinical Signs
    before;
    • Your Horse’s cover started; or
    • the date this section was added to Your insurance, no matter where the Injury, Illness or Clinical Signs were noticed or happened in or on Your Horse’s body.
  • Any amount for permanent loss of use caused by;
    • an Illness first showing Clinical Signs; or
    • an Illness which is the same as, or has the same diagnosis or Clinical Signs as, an Illness which first showed Clinical Signs; or
    • an Illness that is caused by, relates to or results from an Injury, Illness or Clinical Signs which first showed Clinical Signs,
    within;
    • 21 days of Your Horse’s cover starting; or
    • 21 days of the date this section was added to Your insurance; or
    • the dates of a temporary cover note, no matter where the Injury, Illness or Clinical Signs were noticed or happened in or on Your Horse’s body.
  • Any amount for permanent loss of use if the Injury or Illness results from an activity not shown as covered on Your Certificate of Insurance Horse Details.
  • Any amount for permanent loss of use resulting from or connected with any activity Your Horse has never taken part in or been trained to do.
  • Any amount for permanent loss of use if Your Horse cannot breed if this is caused by something that is not an Illness or Injury.
  • Any amount for permanent loss of use if Your Horse is under 2 years of age or 17 years old or over at the beginning of the Period of Insurance as set out on Your Certificate of Insurance Horse Details.
  • Any amount if the permanent loss of use for Your Horse results from a vice or it’s behaviour.
  • Any amount for permanent loss of use if Your Horse is not allowed to take part in any show because of the show regulations about horses that have had a hobday operation or any other operation for a respiratory system disorder.
  • Any amount for permanent loss of use unless the Illness or Injury prevents Your Horse from physically taking part in an activity.
  • Any amount for permanent loss of use that results from a blemish or a scar.
  • If a claim has not been submitted within 12 months of Your Horse receiving Treatment, We may reduce the amount of a benefit, or may refuse to pay the claim to the extent that We are prejudiced by the late notification of the claim.

Special Conditions that apply to this section

  • You must immediately arrange, at Your expense, for a Vet to examine and treat Your Horse if it shows Clinical Signs of an Injury or an Illness.
  • If it is Your Vet’s opinion that Your Horse will never take part in any one of the activities set out on the Certificate of Insurance Horse Details You must send Us a report from Your Vet giving Details of Your Horse’s Illness or Injury and the reasons for the opinion.
  • We may decide that We need Our Vet to agree with Your Vet that Your Horse will never be able to take part in any one of the activities set out on the Certificate of Insurance Horse Details.
  • If Your Vet and Our Vet do not agree that Your Horse will never take part in any one of the activities set out on the Certificate of Insurance Horse Details, We may employ another specialist Vet, who You agree We can employ. The specialist Vet will examine Your Horse and all parties will accept this Vet’s opinion.
  • The period of 12 months will always start from the date in the Period of Insurance
    • the Injury first happened; or
    • the Illness or Clinical Signs were first noticed; or
    • an Illness with the same diagnosis or Clinical Signs as the Illness or Clinical Signs that caused the permanent loss of use were first noticed,
      no matter how many times the same Illness or the same Clinical Signs are noticed in or on any part of Your Horse’s body.
  • If a number of Injuries, Illnesses, or Clinical Signs are diagnosed as one Injury or Illness, or it is found that they are caused by, or relate to another Injury or Illness, the period of 12 months will start from the date in the Period of Insurance that the first Injury happened or the first Clinical Signs of any of the Illnesses were noticed.
  • Once We have agreed the settlement of Your claim, You must agree to have the loss of use freeze mark placed on Your Horse. We will not make any claim payment until We have received confirmation the freeze mark has been done. If You have decided to euthanase Your Horse We will not make any claim payment until We have Veterinary confirmation that the Horse has been euthanased.
  • If Your Horse is covered for 100% of the Sum Insured or the Market Value of Your Horse whichever is the lessor, and We pay a claim for it, Your Horse will continue to belong to You. We will reduce the amount We pay You by what Your Horse is worth at the date of payment.
  • You must tell Us as soon as possible if Your Horse shows Clinical Signs of an Injury or an Illness, that may lead to a loss of use claim.
  • If We pay a claim under this section Your Policy will be cancelled from the date of settlement of the claim, and there will be no refund of money You have paid for the Period of Insurance after the cancellation date. If Your premium is being paid by instalments, We will deduct from Your claim monies any premium due for the balance of the Period of Insurance.
  • We will not make any claims payment until We have received the following;
    • Vet Certificate verifying that the horse has an Injury or Illness that has rendered it permanently incapable of ever being able to take part in any one of the activities set out on the Certificate of Insurance Horse Details.
    • Evidence of Your legal ownership of the Horse (proof of purchase)
    • If Your Horse was on Loan or Leased, a copy of the Loan/Lease agreement

Section 7 - Horse floats, trailers and Horse drawn vehicles

What We will pay

If Your Horse Float, Trailer or Horse Drawn Vehicle is stolen, damaged or destroyed during the Period of Insurance, We will pay;

  • the cost of repairing Your Horse Float, Trailer or Horse Drawn Vehicle if it is damaged to bring it back to the same condition it was in before it was damaged; or,
  • the Sum Insured of Your Horse Float, Trailer or Horse Drawn Vehicle or the Market Value whichever is the lessor if the cost of repair is more than it was worth or it is stolen or destroyed.

This section does not cover legal liability in respect to the use of a Horse Float, Trailer, or Horse Drawn Vehicle.

What You pay

The first $200 for each incident where Your Horse Float, Trailer or Horse Drawn Vehicle is stolen, damaged or destroyed.

What We will not pay

  • More than the Sum Insured or the Market Value whichever is the lesser, for each incident.
  • More than Your Horse Float, Trailer or Horse Drawn Vehicle was worth at the time it was stolen, damaged or destroyed.
  • Any amount if Your Horse Float, Trailer or Horse Drawn Vehicle is damaged or destroyed by wear and tear or the actions of moths, insects, vermin, pest, mildew, mechanical or electrical breakdown, or any other cause that happens slowly.
  • Any amount if Your Horse Float, Trailer or Horse Drawn Vehicle is damaged or destroyed when it is being cleaned, repaired or restored.
  • Any extra costs if replacement parts or accessories are not available.
  • Any amount for tyres that are damaged by punctures, cuts, bursts or braking.
  • Any amount if Your Horse Drawn Vehicle is damaged while it is being used for training, or taking part in, competitions or trials or cross country events.
  • Any amount if Your Horse Float, Trailer or Horse Drawn Vehicle is stolen or damaged or destroyed while the thief is trying to steal it, if You have not fitted a wheel clamp, tow hitch lock or put it in a building that is properly locked.
  • Any other financial loss, legal compensation, costs or expenses.
  • Your legal liability for payment of compensation in respect of:
    • Death, bodily injury or illness, and/or
    • Physical loss of or damage to property.

Special conditions that apply to this section

  • If You have not insured Your Horse Float, Trailer or Horse Drawn Vehicle for its full Market Value We will only pay a percentage of Your claim. The percentage We will pay will be based upon how much of the full Market Value the amount You have insured Your Horse Float, Trailer or Horse Drawn Vehicle for represents.
  • If Your Horse Float, Trailer or Horse Drawn Vehicle is found, You must repay the full amount We have paid You.
  • We will not make any claims payment until We have received the following;
    • Copy of Police Crime Report
    • Evidence of Your legal ownership (proof of purchase, registration certificate)

General Exclusions

This Policy does not cover the following:

  • Any Horse less than 30 days old and over 30 years of age.
  • Any amount if the incident or Accident causing an Injury takes place as a result of any business, profession, occupation or while You are working for someone.
  • Any amount if the Injury, Illness or incident is shown as excluded in Your Policy including Your Certificate of Insurance.
  • Any amount caused by radiation, nuclear explosion, nuclear fall out or contamination by radioactivity.
  • Any amount caused by an act of terrorism, the use or threatened use of violence to scare or intimidate malicious persons, civil disobedience, strikes, people taking part in labour disturbances or the involvement directly or indirectly of any unlawful organisation.
  • Any loss caused by or results from an act of force, or violence for political, religious or ideological reasons, war, acts of terrorism, riot, revolution or any similar event including any chemical or biological terrorism.
  • Any amount caused by the pressure waves of an aircraft, spacecraft or anything else travelling at sonic or supersonic speeds.
  • Any legal expenses resulting from criminal proceedings because of a deliberate act by You.
  • The cost of treating any Injury or Illness caused by a malicious act, deliberate Injury or gross negligence caused by You or a member of Your Immediate Family or anyone living with You.
  • Your failure to take all reasonable precautions to protect Your Horse from aggravating or pro-longing an Injury or Illness.
  • Any other financial loss, legal compensation, costs or expenses as a result of the death or humane destruction of Your Horse.
  • Any amount which results from You acting or behaving unlawfully, and any fines or penalties.
  • Any amount if You break the Australian laws or regulations including those relating to animal health and importation.
  • Any amount resulting from a disease transmitted from animals to humans.
  • Any pandemic disease that causes widespread Illness, death or destruction affecting horses.
  • Any amount resulting from an Illness that Your Horse contracted while outside Australia, or New Zealand that it would not normally have contracted in Australia or New Zealand.
  • Any costs caused because any Government or Public or Local Authority or any person or Body having the jurisdiction to do so, have put restrictions on Your Horse.
  • Legal expenses, fines and penalties connected with or resulting from a breach of the criminal law by You or an Act of Parliament.
  • Any amount if Your Horse is confiscated or destroyed under the order of any Government, Public or Local Authority or any other authority.
  • Any Horse not vaccinated against tetanus, strangles and Equine Influenza or any other disease that there is a known vaccine and Vets recommend vaccination.
  • Any Horse not wormed as regularly as normally recommended by a Vet.
  • Your legal liability for payment of compensation in respect of:
    • Death, bodily injury or illness, and/or
    • Physical loss of or damage to property.

The following exclusions only apply when Your Horse is on a journey in Australia or New Zealand.

  • Any amount if You or Your Horse lives permanently outside of Australia.
  • Any journey You take Your Horse on against a Vet’s advice.

Other exclusions may apply to Your Policy, including the exclusions to all cover sections under the heading “What We will not pay”. Other exclusions may also be shown on Your Certificate of Insurance and/or on any other document We give You that We tell You forms part of Your Policy.

How to claim

You must tell Us as soon as possible if anything happens which could lead to a claim. Please write to: Petplan Customer Centre, Petplan, 1-3 Smolic Crt, Tullamarine, Victoria, 3043 alternatively, You may phone Customer Services on 1300 791 311.