We looked at all types of insurance, asked vets, friends and my yard owner about who is best to go with and who not. We were already with PetPlan for the dog and they have paid out fully for everything, really reliable. So we took the insurance out for our horse as well. We have tailored it to suit our needs and covers everything we wanted and more. This includes; disposal, loss of use, 3rd party liability, rider, illness, injury etc. Some of the cheaper insurances our vets refuse to cover as they dont pay out. But I would really recommend PetPlan through our own experience with them. X