More About Horse Health Insurance
- Period of purchase: You can purchase this insurance until the horse is 15 years old.
- Insurance amount: The insurance amount of Horse Health Insurance is a fixed amount which is stated on the quote, the insurance policy and the renewal receipt. The insurance amount will remain unchanged until the horse reaches the age of 19 years, after which it will decrease by 20% annually.
- Duration: Once the horse reaches the age of 23, the insurance is cancelled and will not be renewed.
- Own risk: You must pay a deductible in respect of each loss for which you are compensated under the Horse Health Insurance. Your deductible is a fixed amount plus 10% of the medical cost. You do not need to pay the fixed amount again in respect of medical costs, regardless of the number of visits to the veterinarian, until 100 days have passed since the first visit. Details of your deductible can be found on the quote, the insurance policy and the renewal receipt.
You can get a quote online. If the horse is 5 years old or older it is necessary to include a certificate from a veterinarian about the general health of the horse. The certificate must be less than 30 days old and the veterinarian must prepare the certificate on a form provided by VIS. You can attach the certificate to the quote request or send it to vis@vis.is.
The insurance covers
- Costs of a veterinarian for examining and treating the horse due to illness or accident.
- The cost of orthopedic procedures due to birth defects of foals up to 1 and 1/2 years of age stemming from certain diseases.
- Costs incurred in respect of foals, from birth up to 30 days, if the mare is life insured.
- Cost of treatment of periodontitis and treatment of broken teeth due to accident.
The insurance does not cover
- Costs due to physiotherapy and rehabilitation.
- Costs due to fodder, supplements and health- and hygiene products.
- Costs due to pre-existing diseases or accidents that occurred before the insurance took effect.
- Costs due to diseases that a horse gets within 20 days of the insurance taking effect.
- The cost of MRI and CT scans.
- The cost of preventive procedures and regular examinations.
- The cost of castration or cryptorchidism surgery.
- The cost of treatment to impregnate a mare.
- Costs due to inspection or treatment of teeth and cost of operation in order to remove ‚wolf teeth‘
- Costs due to temperament problems.
- Costs due to a surcharge on medical expenses if the assistance of a veterinarian is requested outside daytime working hours unless there is an urgent need.
- Costs due to prescriptions, invoicing, medical certificates or medical reports.
Please note that the above list is not exhaustive. Further information can be found in the insurance terms.
In case of discrepancy between this list and the insurance terms, the insurance terms applies.
Insurance Terms
The insurance terms is your contract with VIS. It is important to thoroughly read the terms and understand what is covered and what is not, before purchasing the insurance.