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 exercising and non competition riding horses
Purchase before travel
Annual or single trip
Specialist product for high risk
Trusted by grooms insurance cover
The BGA has tried to source a bespoke price insurance policy specifically designed for grooms who are travelling for work to a country where the FCDO has placed travel restrictions. Unfortunately there is no such policy that exists currently and so currently any groom travelling to Sunshine Tour currently will not be able to purchase a valid travel insurance policy.
Got a question?
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 CARD?
You may already have the European Health Insurance card (EHIC) and think that this covers you when you are working as a groom in Europe. Things, however, are not as straightforward as many of us think.
The EHIC 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.
It is highly recommended that if you are working in Europe you should still have an EHIC Card - apply for one here. (Please note if you reside in the Isle of Man or the Channel Islands you are not eligible for an EHIC).
Will The insurance cover me for riding?
Yes the recommended BGA travel insurance policies cover for all non-competition riding - including schooling, hacking, exercising.
If you are a rider, you will need to visit the Equestrian Employers Association
for a policy suitable for you.
How does covid & Brexit affect travel insurance?
Read this article about how Brexit and Covid is affecting grooms wishing to travel abroad.
When the FCDO advises against non essential travel, that means that the BGA Adventures Travel Insurance, is invalid.
The BGA strongly advises taking out travel insurance pre travel, regardless of what happens with Covid and Brexit.
How much will travel Insurance cost?
Each trip abroad is different and so you will be quoted for your personal requirements.
The BGA Adventures Travel Insurance policy is priced slightly less than than the Travel Against FCDO Advice policy.
Get more information here
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 withouth it.
Get your insurance here