{
  "vertical": "pet",
  "insurer": {
    "slug": "fmg",
    "name": "FMG",
    "brand_family": "fmg"
  },
  "product": {
    "slug": "horse-primary",
    "name": "FMG Horse Primary",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2024-07-01",
    "ingested_at": "2026-05-20T08:13:22.390237+00:00",
    "pdf_hash": "027bca3187ba70f6897b65d31998e94e76300ab0508bd4187375fbfb9734ea61",
    "source_url": "https://www.fmg.co.nz/what-we-cover/fmg-policy-wordings/animals/horses/horse-primary",
    "page_count": null
  },
  "confidence_tier": "low",
  "facts": {
    "cover_types": [
      "Horse Primary",
      "Horse Primary Plus"
    ],
    "mortality_cover": "Your horse is covered if it dies or needs to be euthanised due to accidental, external and visible injury or colic. Cover for death during, or as a result of a surgical operation conducted by a vet under local or general anaesthetic. We also cover you in case of theft, as well as death or humane destruction following the theft of your horse. This applies if your horse is taken and castrated or spayed maliciously. We'll pay up to the agreed value or fair market value shown on your certificate plus GST, for any one event.",
    "species_covered": [
      "horse"
    ],
    "annual_benefit_nzd": "Up to the agreed value or fair market value shown on your certificate plus GST, for any one event.",
    "entry_age_max_years": 16,
    "age_eligibility_text": "FMG's Horse Primary policy covers a range of horses, including leisure, on farm, and equestrian horses, from the age of 1 to 16 years old.",
    "entry_age_min_months": 12,
    "vet_fees_sublimit_nzd": "Cover for vet treatments as a result of an accidental, external and visible injury, or colic."
  },
  "endpoints": {
    "summary": "/api/product/fmg/horse-primary/summary.md",
    "wording": "/api/product/fmg/horse-primary/wording.md",
    "history": "/api/product/fmg/horse-primary/history.json"
  },
  "canonical_url": "https://petinsurancecomparison.co.nz/api/product/fmg/horse-primary/facts.json",
  "generated_at": "2026-05-20T08:15:40.678Z",
  "license": "CC BY 4.0 — attribute https://petinsurancecomparison.co.nz"
}