# FMG Horse Primary — FMG

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

**Wording effective:** 2024-07-01
**Source PDF:** https://www.fmg.co.nz/what-we-cover/fmg-policy-wordings/animals/horses/horse-primary
**PDF hash (sha-256, first 16):** `027bca3187ba70f6…`

## Cover Types

["Horse Primary","Horse Primary Plus"]

## Mortality Cover

Your horse is covered if it dies or needs to be euthanised due to accidental, external and visible injury or colic. Cover for death during, or as a result of a surgical operation conducted by a vet under local or general anaesthetic. We also cover you in case of theft, as well as death or humane destruction following the theft of your horse. This applies if your horse is taken and castrated or spayed maliciously. We'll pay up to the agreed value or fair market value shown on your certificate plus GST, for any one event.

## Species Covered

["horse"]

## Annual Benefit Nzd

Up to the agreed value or fair market value shown on your certificate plus GST, for any one event.

## Entry Age Max Years

16

## Age Eligibility Text

FMG's Horse Primary policy covers a range of horses, including leisure, on farm, and equestrian horses, from the age of 1 to 16 years old.

## Entry Age Min Months

12

## Vet Fees Sublimit Nzd

Cover for vet treatments as a result of an accidental, external and visible injury, or colic.

## Machine-readable endpoints

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

## Citation

Cite as: FMG FMG Horse Primary policy facts (wording effective 2024-07-01), InsureNZ, accessed 2026-10-01.
Canonical URL: https://insurenz.co.nz/api/pet/product/fmg/horse-primary/summary.md
Primary source: https://www.fmg.co.nz/what-we-cover/fmg-policy-wordings/animals/horses/horse-primary
License: CC BY 4.0 — attribute https://insurenz.co.nz