Cover That Stays With Your
Horse for Life
You want to know your horse will have access to the care they need, whatever the future brings. Lifetime horse insurance gives you ongoing protection for eligible conditions, with cover that can continue year after year when you renew your policy.
What Is Lifetime Horse Insurance?
Not all horse insurance policies work in the same way. The difference becomes particularly important if your horse develops a condition that needs treatment over a longer period.
Maximum-Benefit Cover: Your policy pays towards an eligible condition up to a set financial limit. Once that limit is reached, there is no further cover for that condition.
Time-Limited Cover: An eligible condition is covered for a set period, commonly 12 months from the first claim. After that period, cover for the condition ends.
Lifetime Cover: Eligible conditions can continue to be covered in each policy year, subject to the policy terms, annual limits and continued renewal of your policy.
In simple terms, lifetime cover is designed to give you protection beyond a single claim or policy year.
Some conditions don’t disappear after one treatment. If your horse develops an ongoing or recurring condition, veterinary costs can continue long after the initial diagnosis.
Lifetime horse insurance can help provide longer-term protection, allowing eligible conditions to remain covered in future policy years, subject to your policy terms and annual limits.
- Ongoing protection for eligible chronic and recurring conditions
- Up to £10,000 towards vet fees each year, subject to the policy terms
- Annual cover renews when you renew your policy
- Support from a specialist equine insurance team
- Long-term protection designed to stay with your horse as they get older
How Does Lifetime Cover Work?
Imagine your horse develops arthritis and needs veterinary treatment over several years.
With lifetime cover, eligible veterinary costs for that condition can continue to be covered in future policy years, subject to your policy terms and annual limits.
When you renew your policy, your annual vet fee allowance can renew too. This gives you continued protection if your horse needs further eligible treatment in the future.
What's Covered?
JCL arranges lifetime horse insurance with Agria, providing cover designed to protect your horse against eligible veterinary costs.
Depending on the policy and its terms, cover can include:
- Up to £10,000 towards eligible vet fees each policy year
- Eligible treatment for chronic and recurring conditions
- Continued cover for eligible conditions when you renew
- Protection that can continue as your horse gets older
- The option to transfer cover to a new owner, subject to the policy terms
Please note: Cover, exclusions, limits and conditions apply. We’ll explain these clearly before you take out a policy.
Lifetime Horse Insurance vs Other Types of Cover
| Lifetime Cover | Maximum-Benefit Cover | Time-Limited Cover | |
|---|---|---|---|
|
Cover can continue into future policy years |
|
|
|
|
Eligible ongoing conditions can be covered again after renewal
|
|
|
|
|
Condition covered up to a fixed financial limit |
Depends on annual policy limit |
|
Depends on policy |
|
Designed for long-term protection
|
|
Limited |
Limited |
The right policy depends on your horse, circumstances and the level of protection you want. Our team can help you understand the differences before you decide.
Is Lifetime Cover Right for Your Horse?
Lifetime cover can be a good choice if you want greater reassurance about potential veterinary costs over the years.
It may suit you if:
- You want long-term protection for your horse
- You want eligible conditions to remain covered when you renew
- You're concerned about the potential cost of ongoing veterinary treatment
- You want to avoid relying on a single condition limit
- You want protection that can continue as your horse gets older
The important thing is to arrange appropriate cover before a condition becomes pre-existing. Conditions your horse showed signs of or received treatment for before the policy started may not be covered.
What's Not Covered?
Lifetime insurance does not mean every condition or veterinary expense will automatically be covered.
Pre-existing conditions are generally excluded, including conditions your horse was already showing signs of or receiving treatment for before the policy began. Other exclusions, limits, excesses and policy conditions may also apply.
That’s why it’s important to give accurate information about your horse’s health history when arranging cover.
We’ll help you understand what your policy does and doesn’t cover, so you know where you stand before you need to make a claim.
Why Choose JCL for Your Horse Insurance?
- Experience You Can Rely On
- Specialist Equine Support
- A Policy Designed for the Long Term
With more than 40 years in the insurance industry, JCL understands that choosing horse insurance is about more than comparing prices. We're an insurance broker, not the insurer. We arrange lifetime horse insurance with Agria and provide support to help you understand your options.
Horse insurance can come with terminology and conditions that aren't always easy to understand. Our specialist team is here to explain the important details in straightforward language. We'll help you understand the cover, answer your questions and support you if you need to make a claim.
We work with Agria to arrange lifetime equine insurance that is designed around long-term protection, helping you plan for your horse's future with greater confidence.
Our Lifetime Horse Insurance Provider: Agria
JCL has partnered with Agria as our dedicated equine insurance provider.
Agria specialises in animal insurance and offers lifetime equine cover with policy terms designed to provide ongoing protection for eligible conditions.
"We are proud to have Agria on board as our dedicated horse insurance provider. Agria has a bespoke equine lifetime insurance product on the market with very unique policy wording."
Your Horse's Future Matters
You can’t predict what the future holds. But you can make sure you’re better prepared for it.
Lifetime horse insurance can give you reassurance that, if your horse develops an eligible condition requiring ongoing treatment, their cover can continue into future policy years when you maintain your policy.
FAQs
Lifetime horse insurance provides cover for eligible conditions that can continue into future policy years, provided you renew your policy and meet its terms and conditions.
The main difference is how ongoing conditions are treated. With lifetime cover, eligible conditions can continue to receive cover in future policy years, subject to the policy terms and annual limits.
JCL’s lifetime horse insurance through Agria can provide up to £10,000 towards eligible veterinary fees each policy year, subject to the policy terms and conditions.
Generally, no. Conditions your horse showed signs of or received treatment for before the policy began may be considered pre-existing and excluded from cover.
Lifetime cover is designed to continue as your horse gets older, provided you continue to renew your policy and meet its terms and conditions.
A policy may be transferable to a new owner, subject to the insurer’s terms and conditions. Speak to JCL if you’re selling your horse and want to understand your options.
JCL has more than 40 years of insurance experience and works with Agria to arrange lifetime equine insurance. Our specialist team can explain your options and provide support throughout your policy.
Give Your Horse Cover for the Years Ahead
Protect the horse you love with lifetime insurance designed for long-term peace of mind.
Prefer to talk first? Call our specialist equine team on 01948 820000. We’re happy to answer your questions and explain your options without any pressure.
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