KEEPING a copy of your horse’s insurance certificate to hand can help you to make informed decisions in the event of your horse needing veterinary treatment, and your vet can quickly check the extent of your veterinary cover, even in the middle of the night, advises the British Equine Veterinary Association (BEVA).

A serious accident or a severe bout of colic may require expensive emergency surgery and it is important to be able to make swift decisions on how best to proceed and to notify your insurance company accordingly.