Horse Insurance

Cover 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.


Owner-customer benefits

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.
Hevosvakuutus auttaa yllättävissä eläinlääkärikuluissa.

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.

Hannu Partanen Insurance Manager, Pohjola Insurance

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.

Mies, auto ja autovakuutus
Car insurance for passenger cars
Nainen nauraa terveysvakuutuksen turvin
Health insurance for an adult
Horse insurance is valid in the Nordic countries and temporarily, continuously up to a year also in other EU countries and Switzerland.

Benefits from Pohjola Insurance

You receive the following insurance benefits for prime customers when you have policies from at least three different product categories:

  • 7% off home and other property insurance, personal insurance, continuous travel insurance and comprehensive motor vehicle insurance policies
  • as our prime customer aged 18–27, a discount of 21% on nearly all insurance for home and family policies.
  • free 40% increase in the sum insured under life insurance.

If you are also an OP cooperative bank owner-customer, you are entitled to an extra discount of 3% on most insurance products. The extra 3% discount for owner-customers cannot be combined with the 21% discount for young insurance customers.

Regardless of your number of policies or type of customer relationship, we always offer the following benefits:

  • a 2.5% discount when paying your insurance bill in one instalment.
  • a permanent 5% discount on life insurance purchased online.
  • free life insurance for one year for parents of children under 12 month

Benefits for OP cooperative bank owner-customer

As an owner-customer, you get the following benefits regardless of your number of policies:

  • OP bonuses you accrue will be used to pay insurance premiums*
  • free 40% increase in the sum insured under life insurance.
  • deductible benefit of 250 euros for MyHome Insurance.
  • free Product Protection Insurance for purchases made using OP credit cards

*As our owner-customer, you earn OP bonuses, which are used to pay insurance premiums and banking service charges. OP bonuses are earned from insurance policies, loans, savings and investments, funds in your accounts, and purchases paid with OP-Visa using the credit function.

The insurance is issued by Pohjola Insurance Ltd. OP cooperative banks are acting as Pohjola Insurance Ltd’s representatives.