Equine Insurance

Saddle up with confidence

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Trusted by over 2.8 million customers

Whether you ride for pleasure or for show, we have insurance coverage to suit your needs.  

Choose the right coverage

Enjoy standard features and choose from optional types of coverage

Standard coverage

Aviva’s Henry Equestrian Plan is for horse owners who ride for :

  • Pleasure
  • Competition, such as :
    • Hunter
    • Dressage
    • Jumper
    • Western Show
    • Western Games
    • Line Driving
    • Endurance


Included in every Henry Equestrian Plan policy* :

  • Your choice of coverage:
    • Regular Plan (Full Mortality)
    • Specified Perils
    • Thrifty
  • No deductible on Full Mortality - We require no up-front deductible on the horse’s life insurance when paying claims
  • Death Claim 
  • Vet Reimbursement
  • Competition Withdrawal
  • Extra Boarding Expense
  • Waiver of Depreciation (for first 24 months)

Optional coverages

Need enhanced coverage? Customize your policy with these add-ons.

To learn more about these options contact your insurance representative. 

Lease Fee Protection Plan

Coverage for the unused portion of your lease fee if your horse dies.

Surgical or Medical Plus Surgical coverage

Emergency Veterinary Expenses coverage

Agreed Value / Guaranteed Renewal coverage

Disability / Stallion Infertility coverage

Air Trip Transit / Berserk / Worldwide Extension coverage

Additional coverage for tack and equipment / horse trailer

The equine insurance you need

With Aviva's insurance for horses, you'll get:

Deal with experts

You’ll deal directly with horse experts who know your insurance needs and your need to protect your investment.

Equine liability insurance

Coverage in the event your horse injures someone or causes property damage.

No up-front deductible

No up-front deductible is required on the horse’s life insurance when claims are paid.

Frequently asked questions

We answer your questions on equine insurance

If my horse dies before the lease is up, does your policy have coverage for the balance of my lease fees?

If you have the full medical and surgical plan and your horse dies, the plan will pay for the balance of your lease fee.

Do I have to pay a deductible?

If you have the full life insurance plan and your horse dies, you will not have to pay a deductible for the first 24 months. 

If my horse causes injury to others or damage to property, is that covered?

You can add liability protection to protect you if your horse injures someone or causes property damage.

Besides life insurance, what other coverage can I get to protect me while travelling with my horse between equestrian events?

You can purchase specific coverage that meets your needs, such as:

  • Emergency Veterinary Expenses
  • Disability / Stallion Infertility
  • Air Trip Transit / Berserk / Worldwide Extension

*Availability varies by province. Please contact your insurance broker for more information.

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