{
  "vertical": "pet",
  "insurer": {
    "slug": "petnsur",
    "name": "PetNSur",
    "brand_family": "petnsur"
  },
  "product": {
    "slug": "equine",
    "name": "PetNSur Equine",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2025-11-03",
    "ingested_at": "2026-05-20T08:12:46.249081+00:00",
    "pdf_hash": "1daab4f03a81a1c1ed8dc11edb14ef7fb0872c3075443bb1b3cde85d1867ebc7",
    "source_url": "https://www.beneficial.co.nz/wp-content/uploads/Equine-Policy-Wording_20251103.pdf",
    "page_count": null
  },
  "confidence_tier": "verified",
  "facts": {
    "exclusions": [
      "A claim arises for illness or Accident within the stand-down period specified in your Policy Schedule",
      "A claim is received more than 30 days after the treatment has finished or the claimable event has occurred",
      "The Horse has or is known to have any pre-existing conditions, that were in existence before the Policy commenced including any chronic, recurring or ongoing medical conditions/diseases that have been in existence or treated before the Policy commenced",
      "A claim is for the treatment of skin and/or allergic conditions that have been caused by the chemicals or substances used in products to maintain the cleanliness of the Horse or for the treatment of ectoparasites on the Horse",
      "The Horse suffers contact skin conditions and/or allergies from contact with but not limited to plants",
      "For any pandemic disease that causes widespread illness, death or destruction affecting horses",
      "The Horse has caused damage to any property or people or any other animal",
      "The maximum benefit as specified in the Plan table, has been met or exceeded during the Period of Cover",
      "Treatment for the Horse is as a result of a deliberate act or omission or the negligent behaviour or care caused by you or anyone at your premises",
      "A claim is received for a Horse that is under the age of 12 months and over the maximum age specified in the Policy Schedule at the Commencement Date of the Policy unless prior approval has been provided",
      "A claim is received in relation to a post mortem of the Horse",
      "A claim for treatment of a psychiatric disorder, behaviour problems or costs associated with retraining a Horse due to them suffering such disorders or problems",
      "A claim is received in relation to the travel expenses of the Horse's Veterinary Surgeon for any medical or Accident callouts",
      "The cost of surgical equipment that can be used more than once",
      "A claim relates to the Horse / Treatments where the Horse is ordered to be destroyed by the courts / relevant legislation or any government agency, public or local authority or any person or body having or claiming jurisdiction in the matter in New Zealand",
      "The Treatment of the Horse is directly or indirectly required by the Horse directly or indirectly being used for hunting, security work, racing or in a polo event",
      "The Treatment is for any breeding, breeding-related procedures and/or Treatments, including but not limited to contraceptives, contraceptive procedures or pregnancies",
      "The Treatment is required due to or is related to the Horse being overweight or obese",
      "A claim is received for reimbursement of diet food, medication for diet and vitamin deficiencies or medication for a Horse's coat, even if it has been prescribed and recommended by the Horse's Veterinary Surgeon",
      "The Treatment is for any cosmetic surgery or any form of tattooing or piercing of a Horse",
      "Any loss or damage if the Horse is not vaccinated against tetanus, strangles and equine influenza, equine herpes or any other disease that there is a known vaccine which a Veterinary Surgeon would in the ordinary course of veterinary practice recommend",
      "The claim is for any transplant, replacement or implant of any organs or body parts including pacemakers",
      "Any amount for any experimental medication, treatments or therapies, prosthesis, orthopedic supports or braces, cancer vaccines, a therapeutic antibody for equine cancer, stem cell therapy, gene therapies, platelet rich plasma the therapy (PRP), Shockwave Therapy, pre/probiotics, cold laser treatments, Low-level Laser therapy (LLLT), Photobiomodulation (PBM Therapy), Interleukin-1 Receptor Antagonist Protein (IRAP), Bisphosphonates (Equidronate / Osphos), short wave infra-red therapy, equine dry salt therapy, vibration therapy, 3D printing, and any drugs not used in accordance with the manufacturers recommendation",
      "The claim is as a result of a declared or undeclared war or any act thereof, invasion or civil war or any claim that is a result of a natural disaster including but not limited to flooding, earthquake, volcanic eruption",
      "The claim is a result of a biological or chemical attack",
      "The claim is as a result of loss, damage, cost or expense of whatever nature directly or indirectly caused by, resulting from or in connection with any act of Terrorism",
      "The claim is a result of loss caused by the pressure waves of an aircraft, spacecraft or anything else travelling at sonic or supersonic speeds",
      "Any amount if the incident or Accident causing an injury or illness takes place as a result of any business, profession, occupation or while you are working for someone",
      "The claim is as a result of loss or damage caused by radiation, nuclear explosion, nuclear fallout or contamination by radioactivity",
      "The claim relates to any experimental medication or treatment or clinical trial, or any complications arising out of any experimental medication or treatment or clinical trial",
      "For any journey you take Your Horse on against Vet's advice",
      "If the death or humane destruction occurred before the Period of Cover commenced",
      "If the injury can be treated and it is humane to keep the Horse alive",
      "The cost of a post-mortem examination, elective or economic destruction",
      "Any amount which results from you acting or behaving unlawfully, including any fines or penalties",
      "Any amount if your Horse is confiscated or destroyed under the order of any authority (government, local, public or any other)",
      "More than $4,000 towards the Treatment of a colic episode",
      "Any additional claim for a colic-related episode for the duration of the Horse's life",
      "More than 50% of the cost of any veterinary Treatment (or any medication prescribed by a Veterinary Surgeon) your Horse receives (or is prescribed for its use) more than 12 months after the date of the original diagnosis of any injury or illness",
      "More than 50% of the cost of any veterinary treatment (or any medication prescribed by a Veterinary Surgeon) your Horse receives (or is prescribed for its use), for any injury or illness that was originally diagnosed in any prior Period of Cover",
      "The cost of veterinary treatment that you choose to carry out that does not relate to the injury or illness",
      "The cost of veterinary treatment or alternative treatment that results from a vice or from the Horses behaviour",
      "The cost of a post-mortem, burial or cremation",
      "The cost of any treatment, which is not a veterinary treatment that you could carry out yourself",
      "The cost of travelling to a place of treatment either for your Horse or a Veterinary Surgeon",
      "The cost of castration or pregnancy",
      "A claim is received for dental treatment including but not limited to, inflammation of the gums, cleaning and de-scaling of the Horse's teeth or the removal of any teeth, except in the instance where the treatment is required due to teeth damaged in an Accident"
    ],
    "cover_types": [
      "Veterinarian (Vet fees)",
      "Mortality (including Theft and Death in Transit)",
      "Removal and Disposal",
      "Saddlery and Tack",
      "Floats, Trailers, Horse Drawn Vehicles / Buggys",
      "Loss of Irrecoverable Entry Fees"
    ],
    "dental_cover": "A claim is received for dental treatment including but not limited to, inflammation of the gums, cleaning and de-scaling of the Horse's teeth or the removal of any teeth, except in the instance where the treatment is required due to teeth damaged in an Accident.",
    "co_pay_percent": "A minimum excess will apply per approved claim or the amount of co-pay that you have selected, whichever is greater. Co-pay does not apply to vaccination reimbursement claims (a flat $50.00 per annum applies for vaccinations). Example in policy uses 20% co-pay with $500 minimum excess.",
    "mortality_cover": "Mortality Cover (includes Theft and Death in Transit) — If selected as an add-on, the Company will indemnify you up to the Sum Insured or fair market value of the horse at that time following death or humane destruction by a Veterinary Surgeon during the Period of Cover as a result of: an injury or illness that occurs during the period of cover; surgery carried out by a Veterinary Surgeon to treat an injury or illness that occurs during the Period of Cover; medication prescribed by a Veterinary Surgeon used to prevent or treat an injury or illness that occurs during the Period of Cover. Death (Accidental Injury/Death): provides cover up to the sum insured or fair market value during the period of cover following the death or humane destruction of your horse by a registered veterinary surgeon, as a result of sudden, violent and external injury or event that happens by chance, at an identifiable time and place and is unforeseen. In Transit: provides cover up to the sum insured or fair market value if your Horse is fatally injured whilst in transit within New Zealand. Theft: provides cover up to the sum insured or fair market value if the Horse is stolen during the period of cover. There is an 18-month stand-down period for humane destruction from the commencement date except for traumatic accident resulting in broken leg, catastrophic fracture, or non-disease/non-medical related catastrophic issues. The Company will not indemnify if death/humane destruction happens 12 months after the date of injury or illness first occurred; if related to an injury or event prior to the commencement of the policy; if the result of a surgical operation not performed by a registered Veterinary Surgeon; if the illness or injury can be treated and it is humane to keep the Horse alive; if the result of a deliberate act by the Owner, Owner's immediate family or any person looking after the Horse; the cost of a post-mortem examination.",
    "species_covered": [
      "horse"
    ],
    "public_liability": "Not explicitly offered as a cover item in this policy wording.",
    "behavioural_cover": "A claim for treatment of a psychiatric disorder, behaviour problems or costs associated with retraining a Horse due to them suffering such disorders or problems is excluded.",
    "annual_benefit_nzd": "The Maximum Cover payable under this Policy is the amount selected by you and specified in the Policy Schedule.",
    "excess_options_nzd": "A minimum excess will apply per approved claim or the amount of co-pay that you have selected, whichever is greater. The amount of this minimum excess is written in your Policy Schedule.",
    "pre_existing_rules": "Pre-Existing Condition means any Treatment, Symptom or Chronic condition relating to the Horse, that occurs prior to the Commencement Date, regardless of whether or not it is specifically diagnosed, which you are aware of or a reasonable person in your circumstances ought to have been aware of including any Treatment, Symptom or Chronic condition that is related to or is a result of any Pre-Existing Condition(s). If an illness occurs within the first 21 days of the commencement of the policy, this illness and any related or resulting symptoms or treatments will become a pre-existing condition and will not be covered for the life of the policy. Suppose an accident occurs within the first 7 days of the commencement of the policy. In that case, this accident and any related or resulting symptoms or treatments will become a pre-existing condition and will not be covered for the life of the policy.",
    "age_eligibility_text": "A claim is received for a Horse that is under the age of 12 months and over the maximum age specified in the Policy Schedule at the Commencement Date of the Policy unless prior approval has been provided to insure the horse under 12 months of age.",
    "breeding_stock_cover": "The Treatment is for any breeding, breeding-related procedures and/or Treatments, including but not limited to contraceptives, contraceptive procedures or pregnancies — excluded. The cost of castration or pregnancy — excluded.",
    "entry_age_min_months": "A claim is received for a Horse that is under the age of 12 months … unless prior approval has been provided to insure the horse under 12 months of age.",
    "waiting_periods_days": {
      "illness": 21,
      "accident": 7,
      "humane_destruction_euthanasia_months": "18 months stand-down for humane destruction from commencement date, except for traumatic accident resulting in broken leg or catastrophic fracture or non-disease/non-medical related catastrophic issues"
    },
    "discipline_exclusions": [
      "hunting",
      "security work",
      "racing",
      "polo"
    ],
    "renewal_age_cap_years": "A claim is received for a Horse … over the maximum age specified in the Policy Schedule at the Commencement Date of the Policy unless prior approval has been provided.",
    "vet_fees_sublimit_nzd": "The Maximum Cover payable is the amount selected by you and specified in the Policy Schedule. Sub-limits apply: no more than $4,000 for colic episode treatment; no more than 50% of cost of treatment more than 12 months after original diagnosis; no more than 50% of cost for conditions originally diagnosed in a prior Period of Cover. Vaccination reimbursement is $50.00 per annum (flat, outside co-pay).",
    "per_condition_limit_nzd": "More than 50% of the cost of any veterinary Treatment (or any medication prescribed by a Veterinary Surgeon) your Horse receives (or is prescribed for its use) more than 12 months after the date of the original diagnosis of any injury or illness; more than 50% of the cost for any injury or illness originally diagnosed in a prior Period of Cover; more than $4,000 towards the Treatment of a colic episode; no additional claim for a colic-related episode for the duration of the Horse's life.",
    "death_by_illness_benefit": "Mortality Cover — The Company will indemnify you up to the Sum Insured following the death or humane destruction by a Veterinary Surgeon during the Period of Cover as a result of an injury or illness that occurs during the period of cover, surgery carried out by a Veterinary Surgeon to treat an injury or illness, or medication prescribed by a Veterinary Surgeon to prevent or treat an injury or illness. The Company will not indemnify if the death or humane destruction happens 12 (twelve) months after the date of the injury or illness first occurred. There is an 18-month stand-down period for humane destruction from the commencement date of your policy except where the horse has suffered a traumatic accident resulting in a broken leg or catastrophic fracture or non-disease/non-medical related catastrophic issues. Cover basis is up to Sum Insured or fair market value of the horse at that time (whichever is applicable per Policy Schedule).",
    "alternative_therapy_cover": "Any amount for any experimental medication, treatments or therapies, prosthesis, orthopedic supports or braces, cancer vaccines, a therapeutic antibody for equine cancer, stem cell therapy, gene therapies, platelet rich plasma the therapy (PRP), Shockwave Therapy, pre/probiotics, cold laser treatments, Low-level Laser therapy (LLLT), Photobiomodulation (PBM Therapy), Interleukin-1 Receptor Antagonist Protein (IRAP), Bisphosphonates (Equidronate / Osphos), short wave infra-red therapy, equine dry salt therapy, vibration therapy, 3D printing, and any drugs not used in accordance with the manufacturers recommendation are excluded.",
    "bilateral_conditions_rule": "Not explicitly stated in the policy wording.",
    "float_trailer_sublimit_nzd": "The Company will pay the cost of repair or the Sum Insured/Fair Market Value (whichever is lesser) for Horse Float, Trailer, Horse Drawn Vehicle or Buggy if damaged, stolen or destroyed during Period of Cover, subject to Maximum Cover selected in the Policy Schedule. Excludes wear and tear, mechanical/electrical breakdown, moths/insects/vermin/mildew/gradual causes; cleaning/repair/restoration damage; unavailable replacement parts/accessories; tyre damage by punctures/cuts/bursts/braking; Horse Drawn Vehicle/Buggy used for training or trails/cross-country events; theft without wheel clamp/tow hitch lock or secure locked building; uninsured to full Fair Market Value (pro-rata applies); expired registration or warrant of fitness; Horse Drawn Vehicle/Buggy on public roadway.",
    "saddlery_tack_sublimit_nzd": "The Company will pay up to the Sum Insured selected for Saddlery and Tack (the cost of repair or sum insured/fair market value whichever is lesser). Maximum $800.00 for any saddle or item of tack without formal proof of purchase showing make, model, value and date of purchase. Excludes rugs, clothing or personal effects; items not owned by the insured; damage from wear and tear, moths, insects, vermin, pests or gradual causes; damage while being cleaned, dyed, repaired or restored."
  },
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    "wording": "/api/product/petnsur/equine/wording.md",
    "history": "/api/product/petnsur/equine/history.json"
  },
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}