Horse insurance gives you peace of mind if the unexpected happens. Available for horses aged 14 days to 18 years.
If you have any questions, please call us at 21 49 24 00 – we're happy to help!
If your horse has a year without injury or illness, you get NOK 10,000 extra in veterinary coverage the next year with our Super plan.
All plans cover lameness caused by accidents. Our Standard and Super plans also cover several lameness-related injuries and illnesses.
Need advice about your horse? Our vets are here for you 24/7—by phone, chat, or video. It’s free and included in your horse insurance.
Coverage overview
What horse insurance covers
Basis
Standard
Super
Included
Included
Included
The insurance covers accidents and illness within the Nordic countries. You can choose a coverage amount of NOK 25,000, 50,000, 75,000, or 100,000. The coverage is valid as long as the horse is alive. Illnesses that existed or arise within 20 days after purchase are not covered.
Included
Included
Included
Costs for CT, MRI, or scintigraphy are covered up to the chosen veterinary sum if related to a covered injury or illness.
Not included
Not included
Not included
Free, unlimited vet access via chat, video or phone—anytime, anywhere. Included in your insurance. Download If Dyrehjelp.
Included
Included
Included
Dental treatment due to an accident is covered up to the chosen veterinary sum per year.
Included
Included
Included
Basic, Standard, and Super: Lameness caused directly by an accident is covered. Standard and Super: Coverage also includes bacterial joint infections, laminitis, tying-up syndrome, hoof diseases, edema, abscesses, acute myositis, anaplasma, and bacterial infections in tendon sheaths/bursae. Super: Also covers radiographic changes in bones (6-month waiting period) and in the neck/spine (12-month waiting period).
Not included
Included
Included
Medication prescribed or provided by a veterinarian is covered up to the selected annual veterinary sum.
Not included
Included
Included
Standard: Allergy diagnostics and treatment are covered up to NOK 15,000 during the horse’s lifetime. Super: Allergy diagnostics and treatment are covered up to the chosen veterinary sum annually.
Not included
Not included
Included
Veterinary travel expenses are covered up to NOK 1,500 per treatment.
Not included
Not included
Included
Physiotherapy and rehabilitation prescribed or performed by a veterinarian are covered if treatment starts within one year of the injury.
Not included
Not included
Included
Radiographic changes in bones are covered with a 6-month waiting period. Changes in the neck and spine are covered with a 12-month waiting period.
Not included
Not included
Included
If no claims are made during a policy year, NOK 10,000 will automatically roll over to the next year. You can save up to double your chosen coverage amount.
What is not covered by the horse insurance?
Illness, defects, or conditions present when the insurance starts
Illness, defects, or symptoms that occur within 20 days of purchase (unless transferred directly from another insurer in Norway)
Hereditary and congenital conditions
Alternative treatments
Behavioral disorders
Mistreatment or neglect by the owner/responsible party
Castration
This table is a simplified version of the policy terms. Please refer to the full policy conditions for complete details.
Do you have questions about our horse insurance?
We’re always here to help – no matter how big or small your question is. We know how much you value your horse, and we’re here to make sure it’s well protected. Don’t hesitate to reach out – we’re happy to assist!