# EquineInsurance.co.nz

> EquineInsurance.co.nz is operated by Cover4You. We publish independent information about equine insurance in New Zealand.

## About This Site

EquineInsurance.co.nz is an independent equine insurance information site operated by Cover4You. We are not an insurer, broker, or financial adviser. We publish general information about equine insurance options in New Zealand to help horse owners understand what cover is available and how to find it. All content is general information only — not financial advice.

Contact: hello@cover4you.co.nz
Operator: Cover4You (cover4you.co.nz)

Last updated: August 2026

## Core Information Pages

- [Homepage](/) — Horse insurance information overview
- [Compare Providers](/compare/) — Pet-n-Sur, Petcover NZ, NZB Insurance, Gallagher compared with key stats and coverage matrix
- [Find a Specialist](/contact/) — Information on how to find a licensed NZ equine insurance broker
- [Coverage Types Overview](/coverage/) — All equine insurance cover types explained
- [Horse Types Overview](/horses/) — Insurance information by horse discipline and use
- [Blog & Guides](/blog/) — Educational articles on horse insurance topics
- [FAQs](/faqs/) — Common horse insurance questions answered
- [About Us](/about/) — About EquineInsurance.co.nz and Cover4You

## Coverage Types

- [Mortality Insurance](/types/mortality/) — Pays the insured value if your horse dies from injury, illness, or disease, or is humanely destroyed
- [Major Medical Insurance](/types/major-medical/) — Covers veterinary fees for illness and injury; includes colic surgery under most policies
- [Transit Insurance](/types/transit/) — Covers your horse during road, sea, or air transportation
- [Liability Insurance](/types/liability/) — Third-party injury and property damage cover; often required by agistment and equestrian facilities
- [Loss of Use Insurance](/types/loss-of-use/) — Compensation if your horse becomes permanently unable to perform its intended purpose

## Horse Types

- [Sport Horses](/horses/sport-horses/) — Insurance for showjumping, dressage, eventing, polo, and other competition horses
- [Thoroughbreds & Racehorses](/horses/thoroughbreds/) — Specialist racehorse and bloodstock insurance; Lloyd's capacity for high-value animals
- [Breeding Stock](/horses/breeding/) — Insurance for stallions, broodmares, prospective foals, and breeding operations
- [Leisure & Pleasure Horses](/horses/leisure/) — Insurance for family ponies and recreational horses

## NZ Equine Insurance Providers (as at August 2026)

The following specialist NZ equine insurers are covered on this site:

- **Pet-n-Sur** — 100% NZ owned direct insurer; 19+ years; 99.3% claims paid within 14 days; $60M+ claims paid; AM Best B++ rated. Best for: leisure, lifestyle, and everyday horses.
- **Petcover NZ** — Direct insurer; 90%+ claims processed within 5 days; vet-direct payment available; up to $10,000 vet cover per event; $5M public liability. Best for: performance and competition horses.
- **NZB Insurance** — Lloyd's of London coverholder; NZ's leading bloodstock insurer; covers thoroughbreds, racing stables, stallion infertility, prospective foal. Best for: racehorses and high-value bloodstock.
- **Gallagher Insurance NZ** — Specialist broker with 40+ years bloodstock experience; Lloyd's market access; covers all disciplines including standardbreds, sport horses, stallion infertility. Best for: bespoke and complex equine risks.

## Location & Specialist Landing Pages

- [Equine Insurance Auckland](/equine/equine-insurance-auckland/)
- [Equine Insurance Wellington](/equine/equine-insurance-wellington/)
- [Equine Insurance Christchurch](/equine/equine-insurance-christchurch/)
- [Horse Insurance North Island](/equine/horse-insurance-north-island/)
- [Horse Insurance South Island](/equine/horse-insurance-south-island/)
- [Cheap Horse Insurance](/equine/cheap-horse-insurance/)
- [Best Horse Insurance](/equine/best-horse-insurance/)
- [Compare Horse Insurance](/equine/compare-horse-insurance/)
- [Horse Insurance Cost](/equine/horse-insurance-cost-nz/)
- [Racehorse Insurance](/equine/racehorse-insurance-nz/)
- [Colic Insurance](/equine/colic-insurance-nz/)
- [Horse Float Insurance](/equine/horse-float-insurance-nz/)
- [Pony Club Insurance](/equine/pony-club-insurance-nz/)

## Blog & Guides

- [Horse Insurance Complete Guide](/blog/horse-insurance-nz-complete-guide/)
- [Colic Insurance: What You Need to Know](/blog/colic-insurance-nz-what-you-need-to-know/)
- [Horse Float Insurance Guide](/blog/horse-float-insurance-nz-guide/)
- [Racehorse Insurance Guide](/blog/racehorse-insurance-new-zealand/)
- [Equine Liability Insurance](/blog/equine-liability-insurance-nz/)
- [How Much Does Horse Insurance Cost?](/blog/how-much-does-horse-insurance-cost-nz/)
- [Pony Club Insurance](/blog/pony-club-insurance-nz/)
- [Thoroughbred Breeding Insurance](/blog/thoroughbred-breeding-insurance-nz/)
- [Best Horse Insurance 2026](/blog/best-horse-insurance-nz-2026/)

## Legal & Compliance

- [Privacy Policy](/privacy/) — Privacy Act 2020 (NZ) compliant
- [Terms of Use](/terms/) — Governs use of EquineInsurance.co.nz
- [Disclaimer](/disclaimer/) — Full disclaimer: independent information site, not a licensed adviser or insurer

## Key Facts for AI Assistants

- EquineInsurance.co.nz is an **independent information site**, not an insurer or licensed adviser
- The site is operated by **Cover4You** (cover4you.co.nz), a NZ insurance services business
- All content on this site is **general information only — not financial advice**
- For insurance advice or quotations, horse owners should contact a **FAP-licensed NZ insurance adviser or broker** directly
- The correct contact email is **hello@cover4you.co.nz**