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You are required by the ride operators to take out travel insurance (also known as trip insurance) which provides cover for medical expenses abroad and the cost of getting you home in the event of an accident or illness during your holiday. Protection of at least £50,000 emergency medical evacuation plus £500,000 medical expenses is recommended. Please note that the ride operator may not permit you to ride if you do not have travel insurance.
Always check the list of included/excluded activities to ensure that horse riding is covered. If in any doubt we recommend you obtain clarification in writing from the insurer
You are also strongly recommended to have insurance in place to provide cover if you need to cancel your holiday since deposits are non refundable and if you cancel within 10 weeks of your start date the ride operator may apply additional cancellation charges. The insurance should cover the total value of your holiday.
We advise you read any travel insurance policy carefully to determine that it meets your specific needs regarding the level of cover you require and declare any pre-existing medical conditions.
In The Saddle may request details of your travel insurance to forward to the ride operator.
For holidays in the EU/EEA while the UK remains a member of the EU, UK passport holders should obtain an EHIC (European Health Insurance Card) prior to departure from www.ehic.org.uk. An EHIC is not a substitute for travel insurance but will often make it quicker for you to get treatment in a hospital within the EU/EEA.
Horse riders know that riding and being around horses involves an element of risk. We probably all know of people who have had quite serious riding accidents when hacking out at home or bringing their horses in from the field.
If you don't already have it in place you may wish to consider taking out Personal Accident Insurance (also known as personal injury insurance) which is designed to pay out if you suffer a serious injury as a result of an accident. This could protect you and your family against loss of income and help you with bills and other expenses.