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Groom Travel Insurance

BGA Grooms' TRAVEL INSURANCE


If you are planning on riding or working abroad with horses you will need a specific travel insurance.


Holiday travel insurance will not cover you whilst working abroad with horses.

Credit card accident cover, home insurance, EHIC or private health cover is not sufficient for the cover you may need, therefore it is important to check this carefully before travelling. Read the FAQs 

It is not a personal accident insurance, that is a separate type of cover that protects you and
your income if you were to have an accident at work.  

 
SUITABLE TRAVEL INSURANCE FOR ALL GROOMS, EU AND WORLDWIDE.
Bespoke price

When things go wrong. You need insurance that goes right. 

  •  
    Essential medical cover included
  •  
    Emergency medical repatriation covered 
  •  
    Covers all grooming activities including clipping
  •  
    Covers riding
  •  
    Purchase before travel
  •  
    Annual or single trip 
  •  
    Specialist product for high risk
  •  
    Trusted by grooms insurance cover

Travelling against FCDO advice? 

The BGA has found a suitable policy with True Traveller Insurance UK. (Must read FAQs below)

However, where the UK Foreign Office has a Covid warning in place, then no claim will be met specifically for Covid on this policy. 

The good news is that all other medical claims for sudden unexpected illness or accidents will be met as normal, and so we urge any groom travelling to purchase this affordable travel insurance policy before you leave. Discover more


Important FAQs

important details to read pre purchase

Firstly please note you will need to select 'Adventure Pack' to cover you for your work as a groom abroad. Be aware that this policy does NOT cover for jumping, driving or any competing. 

If you, in the line of your role, exercise jump the horses, then you should select ' Extreme Pack'. 

 

Why do I need travel insurance?

Unfortunately unforeseen emergencies and accidents can and do happen, so it is important to think carefully about your specific travel insurance needs.

As you will be working abroad, any recreational (holiday) policy will not cover you. 

You need a specific policy that covers for work purposes (and includes horse riding) and which will provide cover for medical expenses and repatriation to the UK. 

The BGA strongly advises all grooms who work abroad to have appropriate travel insurance in place before leaving the UK. 


What about the EHIC/GHIC CARD?

It is important to note that the policies do not cover anything that is covid related and it is critical that you have a Global Health Insurance Card (GHIC formally the EHIC) too before travelling. 

If you have an EHIC Card and it is not out of date, then that is ok. 

When it expires you will renew it with the Global Health Insurance Card (GHIC formally the EHIC).  

You may think that the EHIC/GHIC covers you when you are working as a groom in Europe. Things, however, are not as straightforward as many of us think.

The EHIC/GHIC does entitle holders to medical treatment in all EU countries plus Iceland, Liechtenstein and Norway, on the same basis as an “insured” resident of these countries.

However, it may not cover all that you would expect to get here under the NHS and you may also have to pay for part of the treatment.


Here you will find at-a-glance details
 of what you can expect to be charged and what you can reclaim in each of the countries covered by the EHIC.

The EHIC will cover you for medical treatment in state hospitals but there are certain things that are not covered such as emergency medical treatment and repatriation to the UK after an accident.

 

Will The insurance cover me for riding?

Firstly please note you will need to select 'Adventure Pack' to cover you for your work as a groom abroad. Be aware that this policy does NOT cover for jumping or any competing. 

If you, in the line of your role, exercise jump the horses, then you should select ' Extreme Pack'. 

The Extreme Pack option allows Horse Riding (Dressage, Show jumping and Eventing) HOWEVER CRITICALLY, this does not cover 'competing at international events as a national representative'. 

However we have sought claritificion and if you are not competing as part of a team, then the policy can cover you. 

So in the case of Sunshine Tours, yes it will cover you. 

Will The insurance cover riders who compete?

Yes, in the case of competing as an individual, and not as part of a British Team, the policy is available to you as an international rider. 

You need to select ' Extreme Pack'. 

The Extreme Pack option allows Horse Riding (Dressage, Show jumping and Eventing) HOWEVER CRITICALLY, this does not cover 'competing at international events as a national representative'. 

However we have sought claritificion and if you are not competing as part of a team, then the policy can cover you. 

So in the case of Sunshine Tours, yes it will cover you. 

What happens if I don't have it?

You are taking a big risk. Who will pay your medical and repatriation expenses if you fell ill or an accident happened?

The BGA has worked hard on behalf of our members to source suitable insurance, it is affordable, so please do not travel without it.

 

 

Temporary Total Disablement


What is Temporary Total Disablement?

Temporary Total Disablement (TTD), available under both the Silver and Platinum insure membership options, pays a weekly benefit should you sustain an injury at work and that injury temporarily prevents you from working.

TTD is the most claimed benefit on a personal accident policy and is important cover to consider, especially if you do not receive any statutory sick pay.


The Key Features of TTD

The maximum weekly benefit paid under TTD depends on the level of cover you have chosen to take out and your gross weekly wage.

Under our Silver insure membership the maximum weekly benefit paid is £250, whilst under our Platinum insure membership, the maximum weekly benefit paid is £350.  Following a successful claim you will receive this weekly benefit amount or 65% of your gross weekly wage, whichever is the lower figure/amount.

When choosing the level of TTD it is important to select the one which is the most comparable to your current earnings, as a higher limit does not guarantee a greater pay-out. In order to receive TTD you must be receiving an income as oppose to benefits etc.


The Key Limitations/Exclusions of TTD

A claim will only be successful if your injury entirely prevents you from attending your normal duties at work. You will need to be signed off by a doctor and the injury must prevent you from working for more than 21 days.

Once your claim is agreed by underwriters you will start to receive a weekly benefit after the first 21 days immediately following the injury or illness. The weekly benefit is payable for a maximum of 104 weeks.
If order for a  to claim to be successful you will need to prove your gross weekly earnings and the insurer will determine from this, and the level of cover you have taken out, the weekly benefit which shall be payable. If you are self-employed and therefore do not have any pay slips to use as proof of earnings you will need to provide some other form of documentation, such as a tax return.

TTD cover is only payable to those aged 16 years and over and with the appropriate cover in place.

It is always important to read the terms and conditions of your insurance cover carefully.

What the personal accident policy covers you for:

  • Whilst at work
  • All stable duties – mucking out, grooming, washing off, turning out
  • Clipping
  • Riding – including hacking and jumping
  • Hunting
  • Lunging
  • Breaking in
  • Holding horse for a vet and other procedures
  • Travelling horses both in the UK and abroad
  • Competing in line with your job including: jumping, dressage, eventing
  • Injuries that may happen to you whilst you are teaching - but you must also be grooming as part of your duties and not be a sole instructor

What the personal accident policy doesn’t cover you for:

  • Riding in a race, point to point or team chase
  • Stunt Riding
  • Accidents occurring whilst travelling to and from work
  • Riding and competing your own horse (but you can upgrade when applying for membership to include this)
  • Public Liability – this is a separate insurance policy - the Freelance Groom Liability Insurance
  • Care Custody and Control – this is a separate policy - the Freelance Groom Liability Insurance

If you require additional cover then please contact KBIS directly.

 
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