> _Markdown transcription of FMG FMG Horse Plus policy wording, effective 2024-07-01. Source: https://www.fmg.co.nz/what-we-cover/fmg-policy-wordings/animals/horses/horse-plus_ --- Horse Plus Insurance Policy Wording | FMG Insurance - - - - - - - - - - - - Skip to navigation - Skip to main content - Skip to footer Close 0800 366 466 Contact us Search logo/connect/20 Log in Register - What we cover - Home, car & contents - Lifestyle blocks - Businesses - Horticulture & viticulture - Dairy farmers - Arable farmers - Sheep & beef farmers - Horses - Life & Health Insurance - Travel - Our policy wordings - Understanding your policy changes - Quotes and claims - Request a quote - Make a claim - Manage your insurance - FMG Connect - Understanding premiums - Understanding renewals and statements - The claim process - Ways to pay - Advice - Dairy - Sheep and beef - On farm - At home - Lifestyle blocks - Business - FMG advice guides - Regional advice - Learning modules - Disaster information - About FMG - Why FMG? - Supporting rural New Zealand - Corporate information - FMG in your region - B Corp Certified - Careers - News - Events - Contact us Get in touch 0800 366 466 Contact us - What we cover - Home, car & contents - Lifestyle blocks - Businesses - Horticulture & viticulture - Dairy farmers - Arable farmers - Sheep & beef farmers - Horses - Life & Health Insurance - Travel - Our policy wordings - Understanding your policy changes - Quotes and claims - Request a quote - Make a claim - Manage your insurance - FMG Connect - Understanding premiums - Understanding renewals and statements - The claim process - Ways to pay - Advice - Dairy - Sheep and beef - On farm - At home - Lifestyle blocks - Business - FMG advice guides - Regional advice - Learning modules - Disaster information - About FMG - Why FMG? - Supporting rural New Zealand - Corporate information - FMG in your region - B Corp Certified - Careers - News - Events - Contact us Horses # Horse plus ## Benefits Vet costs ($500 excess applies) Up to $10,000, or 50% of sum insured during the period of insurance for treating a defined injury or disease. Death Cover for if your horse dies or needs to be euthanised because of an accident, injury, illness, or disease. Removal and disposal costs If we have accepted a claim for death of your horse, we will also pay up to $500 to remove and dispose/bury your horse. Theft Cover for the theft of your horse, or the humane destruction because of theft. ##### FMG’s Horse Plus policy covers a range of horses, including leisure, on farm, sport, and equestrian horses. 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. Age restrictions apply to different aspects of cover. Please see policy wording for details. #### What we pay We'll pay up to the agreed value or fair market value shown on your certificate plus GST, for any one event. Agreed value You can choose to discuss an agreed value of your horse with FMG, which 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 This 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. #### Optional benefits You can purchase optional benefits for even more comprehensive cover 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. To understand which policy wording applies to you, please check your Certificate of Cover, or head online to FMG Connect to view all your policy details, including the dates of your policy period. If you're unsure, give us a call. For more information on our recent policy changes click here . This is a summary view of our policy and is subject to our specific product documentation and underwriting criteria. For full details please download the policy wording or get a free copy by calling us on 0800 366 466. Horse Primary Plus Wording Effective for new policies, items or renewals from: 1 July 2024 horse-primary-plus-policy-wording-July-24.pdf [PDF File 290.0 KB] 1 November 2023 to 30 June 2024 horse-primary-plus-policy-wording-Nov-2023-Jun-2024.pdf [PDF File 290.9 KB] 1 November 2022 to 31 October 2023 horse-primary-plus-policy-wording-2022-23.pdf [PDF File 2.1 MB] Horse Policy Summary Horse_Policy-Summary.pdf [PDF File 1.4 MB] Need horse insurance? We have a handy online form to get your horse insurance application process started. Once you've filled in this form, our equine team will get back to you to arrange cover. Apply for horse insurance Are you covered getting from A to B? Our Private Vehicles policy covers your car, trailers, horse floats and other personal vehicles you use in your daily life, like getting to and from work or the supermarket. 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