{
  "vertical": "pet",
  "insurer": {
    "slug": "fmg",
    "name": "FMG",
    "brand_family": "fmg"
  },
  "product": {
    "slug": "horse-deluxe",
    "name": "FMG Horse Deluxe",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2024-07-01",
    "ingested_at": "2026-05-20T08:13:52.188974+00:00",
    "pdf_hash": "78d4c5f0420979beed0d40b2cdccf2beed18a5d9dd0f998f01490c6250ba370c",
    "source_url": "https://www.fmg.co.nz/what-we-cover/fmg-policy-wordings/animals/horses/horse-deluxe",
    "page_count": null
  },
  "confidence_tier": "inferred",
  "facts": {
    "exclusions": [
      "pre-existing conditions (implied by defined injury or disease coverage)"
    ],
    "cover_types": [
      "Horse Deluxe"
    ],
    "loss_of_use": "If due to accident, illness or disease your horse is permanently incapacitated and can't be used for the purpose set out on your certificate, you're covered regardless of if you want to keep the horse or have it euthanised.",
    "mortality_cover": "Cover for if your horse dies or needs to be euthanised because of an accident, injury, illness, or disease. We'll pay up to the agreed value or fair market value shown on your certificate plus GST, for any one event. Agreed value may be based on an independent written valuation, the purchase price, the performance of the horse, and/or a number of other factors. Fair market value is what a reasonable buyer would have been willing to pay for your horse immediately before the loss and considers factors including competition history and the breed of the horse. If due to accident, illness or disease your horse is permanently incapacitated and can't be used for the purpose set out on your certificate, you're covered regardless of if you want to keep the horse or have it euthanised.",
    "species_covered": [
      "equine"
    ],
    "annual_benefit_nzd": "Up to $10,000, or 50% of sum insured during the period of insurance for vet costs; death/mortality cover up to agreed value or fair market value",
    "entry_age_max_years": 10,
    "age_eligibility_text": "FMG's Horse Deluxe policy covers your equestrian and sport horses between the ages of three and 10 years old. A higher age limit may apply if your horse is already insured with us.",
    "entry_age_min_months": 36,
    "renewal_age_cap_years": "A higher age limit may apply if your horse is already insured with us",
    "vet_fees_sublimit_nzd": "Up to $10,000, or 50% of sum insured during the period of insurance for the cost of treatment for defined injury or disease"
  },
  "endpoints": {
    "summary": "/api/product/fmg/horse-deluxe/summary.md",
    "wording": "/api/product/fmg/horse-deluxe/wording.md",
    "history": "/api/product/fmg/horse-deluxe/history.json"
  },
  "canonical_url": "https://petinsurancecomparison.co.nz/api/product/fmg/horse-deluxe/facts.json",
  "generated_at": "2026-05-20T08:15:40.632Z",
  "license": "CC BY 4.0 — attribute https://petinsurancecomparison.co.nz"
}