“The bespoke information has been invaluable for my career and employment; I don’t feel alone anymore. I have the peace of mind knowing my income is protected with my BGA insurance.”

Jenny Hooch

BGA Member


FROM ONLY £22.50



Groom 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. 

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.  

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 exercising and non competition riding horses
    Purchase before travel
    Annual or single trip 
    Specialist product for high risk
    Trusted by grooms insurance cover

Travelling against FCDO advice? 

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  


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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