{
  "vertical": "pet",
  "insurer": {
    "slug": "fmg",
    "name": "FMG",
    "brand_family": "fmg"
  },
  "product": {
    "slug": "horse-plus",
    "name": "FMG Horse Plus",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2024-07-01",
    "ingested_at": "2026-05-20T08:13:36.076697+00:00",
    "pdf_hash": "c65f3da6c8d83913a91b71e74aad05fd7efffac805b5507bc2a132e320912937",
    "source_url": "https://www.fmg.co.nz/what-we-cover/fmg-policy-wordings/animals/horses/horse-plus",
    "page_count": null
  },
  "confidence_tier": "low",
  "facts": {
    "cover_types": [
      "Horse Plus"
    ],
    "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. If you've taken out this policy with FMG for 12 months or longer, you're automatically insured for a one-year cover extension. So, if your horse dies within a year of your period of insurance ending, and you had notified FMG of the accident, injury, illness or disease prior to your period of insurance ending, you're covered.",
    "species_covered": [
      "horse"
    ],
    "annual_benefit_nzd": "Up to $10,000, or 50% of sum insured during the period of insurance for vet costs",
    "excess_options_nzd": [
      500
    ],
    "breeding_stock_cover": "Optional benefit: Stallion – permanent disability. Cover for your stallion if he becomes permanently impotent, infertile, or incapable of serving mares because of an accident, illness or disease.",
    "vet_fees_sublimit_nzd": "Up to $10,000, or 50% of sum insured during the period of insurance for treating a defined injury or disease. $500 excess applies.",
    "saddlery_tack_sublimit_nzd": "Removal and disposal costs: up to $500 to remove and dispose/bury your horse if a death claim is accepted."
  },
  "endpoints": {
    "summary": "/api/product/fmg/horse-plus/summary.md",
    "wording": "/api/product/fmg/horse-plus/wording.md",
    "history": "/api/product/fmg/horse-plus/history.json"
  },
  "canonical_url": "https://petinsurancecomparison.co.nz/api/product/fmg/horse-plus/facts.json",
  "generated_at": "2026-05-20T08:15:40.664Z",
  "license": "CC BY 4.0 — attribute https://petinsurancecomparison.co.nz"
}