Sport Horse mortality insurance is the most common type of insurance purchased by horse owners.

Mortality coverage is similar to human life insurance and is for the value of the horse, should it die. The policy will insure the horse for 100% of its insured value.

Premiums range dependent on the discipline in which the horse participates and are based on a percentage of the horse’s value, which is determined by its original purchase price, training, and performance records.

Sport Horse mortality insurance policies also cover humane destruction of the animal in cases of mortal injury or disease.


Lifesaving surgery insurance is another type of insurance to consider. Any emergency surgery, required to save the life of the horse and performed in hospital is covered to the maximum of R100,000 or 7 days stay in hospital (including the day of surgery) whichever comes first.

It is very important to note that the amount of cover provided differs significantly between different providers. “Per event” means that this could happen more than once during a 12 month period and your horse would be covered each and every time.

As a horse lover, one never wants the decision of whether surgery should be performed to be a financial one i.e. Can I afford the operation? The life saving surgery option allows you to make your decision based on whether or not your horse actually needs the surgery or not.


If your horse kicks or bites someone and you want to avoid paying high litigation costs, you may consider obtaining Public liability insurance. This type of insurance protects you should your horse cause damage or injury to a member of the public.

This option provides R1,000,000.00 cover per event. “Per event” means that this could happen more than once during a 12 month period and your horse would be covered each and every time. 


Why is it that, whenever we are not insured or just about to obtain insurance, disaster strikes and we end up paying a fortune in hospital bills and/or legal bills or even having to replace your horse! Being insured means we can hopefully be spared some of those overnight financial crises.

Insurance was originally intended to help us to recover from a financial loss and to pay our litigation costs. Today, your horse, too, may be insured against a variety of misfortunes including mortality (death by accident or illness), specified perils (fire, lightning or transportation damages), infertility and reproductive hazards, theft, and public liability.You can insure your horse if you want to protect yourself against the possibility of losing him to various causes, which could also leave you in financial distress. Too often, unexpected incidents or medical emergencies take place that, without insurance, you may be unable to accommodate, leaving your horse to suffer or die unnecessarily.

A horse can be a sizeable financial and emotional investment. Therefore, it could be a good idea to protect your investment by purchasing bloodstock insurance. Bloodstock insurance will also have you better prepared if your horse requires costly life saving procedures. Generally, the cost of insurance is minimal when compared to the overall costs of maintaining your horse, paying for colic surgery, or paying a lawsuit. In fact, the cost of entering your horse in a show is often higher than the cost of his insurance.

So, how can you make sure you are covered, does it make sense to be covered, and what options are the best to go for?

There are questions you need to ask yourself before you insure:

  • How much is my horse worth?
  • How much will my horse be worth if I am training and competing it successfully?
  • How much can I afford in vets bills if something serious happens?
  • Can I afford what it takes to ensure my horse’s wellbeing and survival?
  • Would I want the vet to operate in the case of serious colic or any such lifesaving surgery? And would I want this decision to be an emotional or financial one?
  • Would I want to have money to replace the horse should it die?
  • Do I ride/work with my horse in the company of others and do I want to be insured in case my horse causes injury or death to someone or their horse or causes damage to someone’s property?
  • Do I want to insure my horse for when he travels either locally or internationally?

If you answered yes to these, then you should consider insuring yourself and your horse.





Dawn is the Managing Director of Kuda Sport Horse insurance. As such she is very involved in all aspects of the business from marketing to the administration of the various sport horse products. Dawn has been a part of the Kuda team since the inception of the company and her financial background together with a keen interest in equestrian sport has made this an ideal fit. She has been involved in riding from a very young age, and has been working in Financial Management and Accounts for much of her professional life. She is currently a National Riding Showing Judge as well as a Provincial C Panel Dressage judge and has officiated at various South African National Showing events. She currently competes in dressage on her two Hanoverian geldings, Callaho Fidelio and Callaho Rinaldo and has represented WP on both the dressage and showing teams many times over the past decade.



Lara grew up riding horses in the Cape from a young age. She represented Western Proving for Show-jumping as a Child, Junior and adult multiple times. She has won the WP adult Showjumping Championships, the 1m35 mini prix series, the Pretoria 1m50 Grand Prix and the Midrand World Cup Qualifier to name a few achievements. In 2009 she made the move to Johannesburg, where she now lives with her Husband, Gareth and her son, Matthew and daughter, Emily. Lara is also the proud owner of Equestrian Affair boutique equestrian shop in Cape Town and has recently opened a new Johannesburg store in Kyalami. She currently competes 3 horses in the Showjumping arenas around the country, Delmon Mining & Civils Opium du Sauge, Delmon Mining & Civils Grafitti and Alzu Opportunity.



Kerry works and lives in Glenferness, riding and teaching from her private livery yard where dressage is her passion. Currently competing on her home bred 6 year old Kuda’s Habanera at Elementary level and has produced and ridden her now retired Shillelagh Cool Customer to Prix St George. With IMM and IISA qualifications, she has over 20 years experience in the insurance industry, having spent many years in the corporate world, is now concentrating on her equestrian passions.



Jodi resides in Drummond, Kwa – Zulu Natal. She grew up on horseback owning her own pony at 4 years old. She went on to represent her province on numerous occasions in children, juniors and adults. Some of her major wins include the Adult Show Jumping Championships of South Africa, two individual world cup titles as well as being victor of the overall RSA World Cup Series in 2012. She currently competes on the national circuit with her five open horses as well as coaching full time. In addition, Jodi has a BCOMM degree majoring in economics and finance as well as an honours degree in business finance. When Jodi is not in the arena she is taking part in road running events, triathlons and recently got back from summiting Mount Kilimanjaro. She is very excited to be part of the Kuda team!!



Joanna and her family moved to the Garden Route in 2011, after running her thoroughbred and spelling business Millennium Stud, near Paarl. The highlights were breeding SA Champion Horse of the Year “Irish Flame” by Dynasty, and raising another champion “Via Africa” by Var. Since relocating to Knysna, Joanna started and runs her equine feed company “Top Nosh”. Here she has learned about the link between health and nutrition. Joanna started riding at the age of 7 and has always been involved in the racing or the riding industry. She still rides and competes on her warmblood, and her daughter Bianca rides and competes on the last of their thoroughbred foals “Are We There Yet”, also by champion stallion Dynasty.



Lisa recently moved to her fiance’s family farm in Paarl, which is also the home of the Elkasun Arabian Stud. She has been involved with horses, mainly Arabs, for most of her life and is currently actively involved with the day to day activity on the stud. Endurance riding was her first love but she has recently become involved in the glamorous Arab showing discipline. Lisa is passionate about the breed and strives to promote the Arabian horse wherever and whenever she can. Lisa is very proud to be a part of the dynamic Kuda team where she will specifically focus on the Arab horse market.


Hi Glynis

Thank you so much, so much appreciated.

You guys are the best, efficient and easy to deal with.

Thanks for always going the extra mile 😊

Colleen Addison

Dear Glynis

Thank you for this information and no need to apologise, we are thankful for your efficient service.
This unfortunate tragic incident was so unexpected, and we are thankful that we had the foresight to take cover, albeit at the minimal mortality cover.
We were previously insured with another major equine insurer and when one of our horses had colic, we discovered that we had no cover at all, after paying handsome premiums. With Jodi’s advertising at shows and on the spot guidance, as to the benefits offered by Kuda, we switched to Kuda and have not regretted this transition.
Kuda have been fantastic and we are most satisfied with the service provided.

Have a lovely day and a great weekend.

Thank you and kind regards

Lindi Martin

Good day Lilian

I would like to thank KUDA, Lilian and all the people involved in the traumatic period with Austin. That include the Vet, Hospital, and Stable Yard. Etc.
Thanks for the way that KUDA help Tanita and Austin.

It was a pleasure to do business with you. May KUDA be able to help many Horses and Horse Lovers.

Kind Regards

Sonja Jansen Van Vuuren