Horse InsuranceCover for horses and ponies
Ensure good and quick treatment
Horse insurance covers veterinary expenses and also ensures the best possible treatment.
Horse insurance for your needs
Modify your horse insurance to your needs by choosing the coverage and deductible of your choice.
As an owner-customer, you will get a discount on your policies and also receive OP bonuses.
Cover against unpleasant surprises and help with veterinary expenses
A horse can be a trusted friend whose well-being is close to the heart. Pohjola Horse Insurance always includes Animal Insurance and Animal Liability Insurance. Animal Insurance provides cover if your horse dies or is euthanised due to illness, accident, foaling or stillbirth. Animal Liability Insurance, in turn, covers losses suffered by third parties for which the horse’s owner, carer or keeper is liable for compensation by law.
Your Horse Insurance can also include medical treatment expenses insurance for veterinary expenses in order to ensure that your horse receives fast access to good treatment in the event of illness or injury. Medical treatment expenses insurance is available in two options, and the more comprehensive policy covers, for example:
- veterinarian bills,
- bandaging and medication prescribed by a vet,
- X-ray and laboratory examinations, and
- daily hospital charges if the horse must be treated at a veterinary clinic.
Insurance for foals, mounts and trotting horses
Horse Insurance provides coverage for ponies, competitive horses and non-competitive horses. The policy can be taken out for foals from the age of just 10 days. Horse Insurance is granted to a horse or pony that is less than 16 years old.
A less comprehensive Horse Insurance, covering only accidental death, disappearance or theft, and general liability insurance can also be granted to an older horse that is nevertheless under 22 years old. Horse Insurance expires at the end of the insurance period during which the horse reaches 22 years of age.
Horse insurance provides comprehensive cover for both illnesses and accidents. The price of horse insurance depends on what kind of coverage you choose.
A health declaration for Horse Insurance can be submitted online
Horse Insurance and other Animal Insurance are granted on the basis of the animal’s state of health. A horse’s health declaration is easy to fill in online when you take out the policy.
Horse Insurance can often be granted even if the horse is not fully fit. The decision is always made on the basis of the health declaration.
Horse Insurance compensates the treatment of illnesses that started after the policy was taken out, and also accidents. You get the most comprehensive coverage if you take out Horse Insurance when the horse or pony is still young and healthy.
If you are our owner-customer and have policies from three product lines, you are entitled to an almost 10% discount on most policies and a discount of nearly 18% on comprehensive motor vehicle insurance with no-claims bonus. If you are aged between 18 and 27, you can get a 21% discount on almost all home and family insurance policies.
- A 40% increase in the sum insured under life insurance
- 200-euro benefit of the deductible under MyHome Insurance
- one-year, free-of-charge life insurance for parents with a child under one year of age
Owner-members not only get OP bonuses for home, family and vehicle insurance premiums, but also for
- savings and investments
- funds in accounts
- purchases you have paid with OP-Visa credit.
OP bonuses are used for the bank’s service charges and insurance premiums.
The insurance is issued by Pohjola Insurance Ltd. OP cooperative banks are acting as Pohjola Insurance Ltd’s representatives.