Please call our office on Toll free 1800 331 215 or select “Get a Quote” on the home page. In some instances you can receive a quote and apply for cover instantly”.

Your Insurance policy is placed with Liberty Mutual Insurance Company.

A Veterinary Certificate is required at the inception of each policy year for any of the following;

  • horses aged 15 years and over
  • foals under 6 months of age
  • Stallions with a Permanent Infertility option attached to their policy
  • horses with a Permanent Disability option attached to their policy
  • horses where there has been notification of an accident, illness or disease in the past 12 months.

A Veterinary Certificate is also required for any New Business with a Sum Insured value of over $25,000AUD and any Renewed Business with a Sum Insured value of over $50,000AUD.

A Veterinary Certificate should be completed by a Registered Equine Veterinarian, it should clearly describe the horse giving note of brands and/or markings and be completed no more than 30 days prior the inception date of the Policy.  We recommend asking your Vet use an Equine Veterinarians Australia standard Certificate of Examination for Mortality Insurance purposes form.

No, we only insure all breeds of Horses and Donkeys, we do not insure other livestock.

A foal can be insured at 24hrs after birth if a satisfactory Veterinary Certificate is received confirming it is in good health.

Visit our foals page for more information.

We accept coverage for horses up until the age of 17.

At the time of placing the policy we would consider many variables in order to establish a ‘Current Market Value’, eg: purchase price, breeding, race records, competition results etc.

Yes.  Syndication is now a very regular form of ownership and each individual shareholder can insured each share separately.

No.  We do not offer third party liability coverage.

No.  We do not offer any coverage for tack, equipment or horse floats.

IRT Insurance does not offer pay by the month premiums. However, we do offer Premium Funding through iQumulate where you can apply to have the premium funded, and pay this off in monthly instalments. Contact iQumulate once you have a received a quote or Cover Note from us. 1300 555 068 or

Yes, we can offer Air Transit and Annual insurance coverage in many countries.

Renewals are sent to each policy holder approximately 21 days prior to the expiry of each policy.  It is up to the individual policy holder to return the completed documentation prior to the expiry date.

Supply your completed Renewal Notice and Payment to IRT Insurance prior to the policy due date, and advise us of the date your Veterinarian will be out to complete the Veterinary Certificate.

We are contactable 24hrs a day, 7 days a week.  By calling 1800 331 215 or +61 411 703 703 you will be able to speak to one of our friendly consultants.

If your horse becomes ill or has any lameness, an accident, injury or physical disability whatsoever you should contact your Vet to have immediate treatment.  You then need to give notice to IRT Insurance as soon as possible.

If you have the unfortunate circumstance that your horse is found dead, you are required to give notice to us immediately.  You will need to have a Vet examine the horse and if a positive explanation for the death can not be found then, at your own expense, a post-mortem examination must be made by a Vet.  This report should then be forwarded to us as soon as available and no later than 21 days after the death of the animal.

If you have the Emergency Surgery or Colic Surgery extension added to your policy and your horse requires Lifesaving surgery, you should contact us immediately, and where possible PRIOR to any surgery so that we can guide you through the process.  After the surgery has been completed, provide us with a copy of the discharge veterinary reports and invoices specific to the hospitalisation and we can present those to the Underwriter for their consideration.

No.  The Australian Tax Office (ATO) has made provision for the GST component of claims on the basis that the purpose of insurance is to put you in the same position after the claim as before.

IRT Insurance is proud of its service standards and supports the General Insurance Code of Practice.  If you have a concern about the insurance policy, a claim decision, the service of IRT Insurance or an investigator, in the first instance we have an Internal Dispute Resolution (IDR) process in place to deal with any complaint you may have.

If this does not resolve the matter or you are not satisfied with the way the complaint has been dealt with, IRT Insurance is a member of the Australian Financial Complaints Authority (AFCA); a company specifically set up to handle any dispute or conflict resolution between consumers and insurance companies.

For further information on both our Internal Dispute Resolution and External Dispute Resolution processes please click here.