Your horse A special passion requires outstanding protection
Horse Insurance
Customers/Insurances/Horse Insurance

Horse Insurance

To live your passion without limits, LALUX offers horse insurance, exclusively in Luxembourg. Thanks to the partnership with the R+V insurance company, Vereinigte Tierversicherung (VTV), which is specialized in this sector, you benefit from comprehensive horse insurance. 


Civil liability insurance

Civil liability insurance is the essential cover for horse owners. It covers bodily injury and property damage caused by your horse whether in your company with that of a rider or a guardian.

Rider accident insurance

With Accident Insurance, you are protected against the financial consequences of possible injuries resulting from horse riding. You are compensated in the event of permanent disability, long incapacity to work, a hospital stay or simple medical treatment.

Horse surgery cost insurance

The surgical costs for your horse can quickly amount to tens of thousands of euros. The horse surgery cost insurance guarantees you a reimbursement for surgeries under anesthesia or sedation.

Two types of cover to choose from for your horse

The Accident life insurance covers death and humanitarian slaughter following an accident or intoxication, including risks related to transport, theft and fire.
The All-risk life insurance covers loss caused by the death of your horse as a result of illness or accident, including risks related to transport, theft and fire. The inability to ride, harness or raise your horse as a result of illness, intoxication or accident may also be covered.

Informational video


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Our independent services


With Horse Insurance, services independent of the scale of veterinarians' fees are guaranteed in the event of an operation, with no limit on compensation for veterinary services, drugs, medical follow-up in the clinic or at the stable for 14 days following the intervention.