Exclusions We will not cover You for any claim that You make which directly or indirectly arises out of or is as a consequence of or is contributed to by: 1. Veterinary treatment unless performed by a Veterinary Surgeon. 2. Veterinarian costs incurred in connection with routine preventative treatment such as inoculations or vaccinations.
Dentistry, spaying, castration, hereditary or congenital complaints or foaling risks are not covered unless complications arise. 3. Any cost incurred as a result of euthanasia and post mortem, carcass disposal or cremation unless extended on the Schedule of Insurance. 4. Husbandry costs, livery expenses or transportation costs, cost of horse walker or specialist exercise regime including spa treatment. 5. Veterinarian costs arising out of injury, illness or disease contracted within the first 14 days after inception of this Policy or 14 days from the date of the Horse being added to this Policy. 6. Veterinarian costs for conditions not notified to Us during the Period of Insurance. 7. Veterinarian costs incurred more than 12 months after the onset of the injury, illness or disease. 8. Alternative Treatment costs unless agreed by Us. 9. Costs incurred for alternative medicine and treatment, including but not limited to osteotherapy, physiotherapy, acupuncture, hydrotherapy and the like, unless authorised by Us and Our advising Veterinarian in writing prior to the commencement of treatment. 10.
The proportion of costs incurred for hospitalisation following surgery which relates to livery. 11.
Costs incurred in preparing Veterinarian reports or claim forms. 12.
Referrals carried out as a second opinion, or referrals to a specialist veterinary centre or hospital, unless it has been recommended by the attending Veterinarian and a veterinary report to this effect is submitted prior to the referral, or in the case of any urgent referral, verbal advice must be given to Affinity Insurance Brokers. 13.
Behavioural problems unless established and certified by Your Veterinarian to have resulted from injury, illness or disease consequent upon an Accident during the Period of Insurance. 14.
Routine costs for pregnancy and/or foaling. 16.
Wolf teeth. Conditions You are responsible for the first $500 of Veterinarian fees for any individual Accident, injury, illness or disease.
The most We will pay, is the sum insured shown in the Schedule of Insurance or $ 7,500.00 in total any Policy year whichever is the lesser.
Requirement for Veterinary treatment must be advised to Us during the Period of Insurance in accordance with Condition 8(c) of section 1 of the Policy.
Veterinary treatment will only be paid for costs incurred within 12 months of the Accident or the onset of the injury, illness or disease.
We will not pay for alternative treatment or stabling at a Veterinary hospital.
We will only pay 25% of costs incurred for MRI and Scinugraphy.
A detailed account from the attending Veterinarian showing consultation details, drugs and mileage must be supplied to support all claims for Veterinary Fee Cover. 12 Section 7 Harness, Tack and Saddlery The cover We agree that, subject to the following terms, conditions and exclusions of the Policy, We will indemnify You in respect of the market value at the time of loss, not exceeding the amount specified in the Schedule of Insurance, for Accidental physical loss or damage, including theft, occurring during the Period of Insurance to harness saddlery and tack belonging to You.
We will pay the market value up to the sum insured specified in the schedule.
Proof of purchase (receipts and invoices) will be required.
Tack and saddlery for the purposes of this section is defined, as saddles, leathers, irons, bridles, harnesses and other riding tack, and restricted specifically to those items normally attached to the Horse whilst being used for the activities as stated in the Schedule of Insurance. Section 8 General Conditions The following specific conditions must be complied with.
If they are not, We may have no liability or may reduce Our liability to make any payment to You under this insurance. 1. Reasonable precautions You must, at all times, take reasonable precautions to prevent any Accident, loss, destruction or damage which may result in a claim under this Policy.
If not this may affect any claim that You make. 2. Insured’s agreement You agree to adhere to all of the terms and conditions of this Policy and agree that failure to satisfy any terms and conditions of this Policy or make any claim knowing the same to be false or fraudulent, as regards amount or otherwise may, subject to the provisions of the Insurance Contracts Act 1984 or amendment thereto permit Us to: a) Refuse to pay, or otherwise reduce Our liability, in respect of a claim b) Cancel this Policy. Exclusions We will not cover You for any claim under this section for loss related to: 1. The amount of the excess specified in the Schedule of Insurance section of the Policy. 2. Any clothing or personal effects. 3. Rugs. 4. Damage caused by moth, vermin, wear and tear, gradual deterioration or atmospheric conditions. 5. Damage to or deterioration of any article caused by the actual process of dyeing, cleaning, repair or renovation. 6. Damage resulting from riding school use except by You as a pupil. 7. Theft other than from a totally enclosed and secure building, the doors of which are locked by a deadlock and the windows are securely locked.
Large immovable metal containers suitably attached to the ground by heavy duty bolt/rivet or shipping containers are also covered, providing the locking requirements are met.
Such theft must be occasioned by violent and forcible entry to the building or where there has been a threat of immediate violence or violent intimidation.
Any loss by theft must be reported to, and recorded by the police and a written report obtained. 8. Theft from any riding school or commercial premises with more than ten (10) Horses, unless privately owned and stored in an alarmed tack room. 9. Theft from a motor vehicle, trailer or float except when such theft is occasioned by violent and forcible entry to the vehicle trailer or float, or where there has been a threat of immediate violence or intimidation. 3. Cancelling this policy a) Once the Cooling Off Period has ended, You can cancel this Policy or any section at any time by telling Us in writing that You want to cancel it.
Cancellation by You will be effective when We receive Your request.
We will subtract from any premium You have paid Us an amount to cover the Period of Insurance that We have already insured You for.
We will then return the rest of the premium to You.
If the amount of the refund is $20 or less, We may not return the premium to You.
B) We may cancel this insurance by giving You notice and in accordance with the law, including where You have: –– made a misrepresentation to Us before this Policy was entered to –– failed to comply with Your Duty of Disclosure; –– failed to comply with a term or condition of this Policy, including failure to pay the premium –– made a fraudulent claim under this Policy or any other insurance during the time this Policy has been in effect –– failed to notify Us of a specific act or omission as required by this Policy –– altered the circumstances of the risk during the Period of Insurance.
If We cancel Your Policy, We will advise You in writing and cancellation will take effect at whatever is the earliest of the following times: i. when another contract of insurance is taken out by You to replace this Policy; or ii. at 4.00pm of the third business day after the day notice was given to You.
Read more about Riding Tack : Tack and saddlery for the purposes of this section is….: