Equine Insurance

Saddle up with confidence

Insuring Canadian fun for over 60 years

Coverage whether you ride for pleasure or for show…

Protection if your horse dies, with no deductible.

…with a range of optional coverages...

Get additional protection for tack and equipment, trailer, and more.

…plus expert claims service that you can count on.

We’ll take care of you when you have a claim and work to resolve it as quickly as possible.

Equine insurance

Owning a horse is a big decision – you’ve invested time and money caring for a beloved pet and companion.

Aviva’s  Henry Equestrian Plan (HEP) helps make sure that you have the right coverage to protect you and your horse against the unexpected.


Our policy includes…

  • Mortality for your horse with no deductible
  • Vet reimbursement for costs related to the death of your horse
  • Competition withdrawal and extra boarding expense
  • Waiver of depreciation for the first 24 months

For a wide range of uses…

  • Pleasure riding
  • Competition, including English, Western, driving and eventing
  • Endurance, line, dressage
  • And more

Need help deciding?

Here are some recommendations. Make sure you talk to your insurance representative to help you find the coverage that’s right for you.

Availability, eligibility and pricing vary by province. 

If you want the essentials

Specified Perils

  • Coverage for mortality from specified perils available to horses of any age.
  • Comprehensive personal liability included for $1,000,000

Plus add this optional coverage

  • Increase Personal Liability to $2,000,000
  • Tack and equipment coverage
  • Trailer coverage

If you want a little more

No Extras HEP Plan

  • Coverage for mortality from accident, sickness or natural causes for horses from 48 hours old to 16 years of age

Plus add these optional coverages

  • Medical Plus Surgical
  • Tack and equipment
  • Trailer coverage

If you want the works

Regular HEP Plan

  • Coverage for mortality from accident, sickness or natural causes for horses from 48 hours old to 16 years of age
  • Comprehensive personal liability included for $1,000,000

Plus add these optional coverages

  • Increase Personal Liability to $2,000,000
  • Medical Plus Surgical coverage
  • Tack and equipment coverage
  • Trailer coverage 

Want to know more about optional coverages?

Medical Plus Surgery coverage

Get coverage for medical treatments or surgery for a covered claim.

Tack and equipment coverage

Get coverage for theft, and loss or damage if you’re in an accident.

Trailer coverage

Covers most causes of loss or damage, except for those specifically excluded from the policy. 

Personal Liability

Coverage that helps you pay for your legal costs if your horse injures someone or damages their property.

Agreed value guaranteed renewal coverage

Protects the purchase price of your horse if it dies within the first 24 months.

Air Trip Transit Berserk Worldwide Extension coverage

Get the insured value of your horse if it goes berserk while travelling by air.


Get a lump sum amount if your horse is totally and permanently disabled after a covered claim.

Stallion infertility

Get a lump sum amount if your horse becomes impotent or infertile.

Get expert advice for your horse insurance needs

Province Brokerage Phone number
Alberta Agpro Insurance Brokers 1-855-416-3609
British Columbia Westland Insurance Brokers 1-800-899-3093
Manitoba Oldfield Kirby Esau Insurance Brokers 1-877-653-4357
Atlantic Huestis Insurance Group 1-800-735-4614
Newfoundland Henry Equestrian Insurance Brokers 1-800-565-4321

Henry Equestrian Insurance Brokers

McDougall Insurance & Financial



Quebec Leclerc Assurances Et Services Financiers 1-800-567-0927
Saskatchewan Henry Equestrian Insurance Brokers 1-800-565-4321 

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The content on this page is for information purposes only. The insurance products described herein are subject to terms, conditions, restrictions and exclusions, which are outlined in our final policy wording. Please speak with your Aviva insurance broker to learn more. Insurance products are underwritten by Elite Insurance Company, a subsidiary of Aviva Canada Inc. Product availability varies by province. Aviva and the Aviva logo are trademarks used under license by the licensor. HEP, Henry Equestrian Plans, are registered trademarks of Henry Equestrian Insurance Brokers Ltd. An NFP Company. All rights reserved. Please contact your insurance broker for more information.