# FMG Horse Deluxe — FMG

**Insurer:** FMG (`fmg`)
**Product slug:** `horse-deluxe`
**Status:** active
**Vertical:** pet
**Extraction confidence:** inferred

**Wording effective:** 2024-07-01
**Source PDF:** https://www.fmg.co.nz/what-we-cover/fmg-policy-wordings/animals/horses/horse-deluxe
**PDF hash (sha-256, first 16):** `78d4c5f0420979be…`

## Exclusions

["pre-existing conditions (implied by defined injury or disease coverage)"]

## Cover Types

["Horse Deluxe"]

## Loss Of Use

If due to accident, illness or disease your horse is permanently incapacitated and can't be used for the purpose set out on your certificate, you're covered regardless of if you want to keep the horse or have it euthanised.

## Mortality Cover

Cover for if your horse dies or needs to be euthanised because of an accident, injury, illness, or disease. We'll pay up to the agreed value or fair market value shown on your certificate plus GST, for any one event. Agreed value may be based on an independent written valuation, the purchase price, the performance of the horse, and/or a number of other factors. Fair market value is what a reasonable buyer would have been willing to pay for your horse immediately before the loss and considers factors including competition history and the breed of the horse. If due to accident, illness or disease your horse is permanently incapacitated and can't be used for the purpose set out on your certificate, you're covered regardless of if you want to keep the horse or have it euthanised.

## Species Covered

["equine"]

## Annual Benefit Nzd

Up to $10,000, or 50% of sum insured during the period of insurance for vet costs; death/mortality cover up to agreed value or fair market value

## Entry Age Max Years

10

## Age Eligibility Text

FMG's Horse Deluxe policy covers your equestrian and sport horses between the ages of three and 10 years old. A higher age limit may apply if your horse is already insured with us.

## Entry Age Min Months

36

## Renewal Age Cap Years

A higher age limit may apply if your horse is already insured with us

## Vet Fees Sublimit Nzd

Up to $10,000, or 50% of sum insured during the period of insurance for the cost of treatment for defined injury or disease

## Machine-readable endpoints

- Structured facts: `/api/pet/product/fmg/horse-deluxe/facts.json`
- Full markdown wording: `/api/pet/product/fmg/horse-deluxe/wording.md`
- Version history: `/api/pet/product/fmg/horse-deluxe/history.json`
- Insurer profile: `/api/pet/insurer/fmg/summary.md`

## Citation

Cite as: FMG FMG Horse Deluxe policy facts (wording effective 2024-07-01), InsureNZ, accessed 2026-09-06.
Canonical URL: https://insurenz.co.nz/api/pet/product/fmg/horse-deluxe/summary.md
Primary source: https://www.fmg.co.nz/what-we-cover/fmg-policy-wordings/animals/horses/horse-deluxe
License: CC BY 4.0 — attribute https://insurenz.co.nz