Intercity Insurance

Insurance Coverage for OE Members

Automatic Insurance Coverage for OE Members

$5,000,000 Personal Liability Insurance ($1000 Property Damage Deductible)

Protects you, the member, if you are sued by a third party because a horse that you own or lease, ride or handle non-commercially, causes property damage or bodily injury to a third party.

*Liability coverage is for non-commercial equine related activities. Some limitations and exclusions apply. Coverage is in force 24 hours a day, seven days a week, and covers the member (Canadian resident) anywhere in the world. (Exclusions apply for members who are non-Canadian residents).


$30,000 Accidental Death & Dismemberment Coverage

Covering you, the member, should you suffer a catastrophic injury, dismemberment or death arising from equine related activities. (Under the age of 90 and only available to Canadian Residents)


Learn more about your Automatic Insurance Coverage:



2018 Optional Insurance Coverages for Members

$50,000 Accidental Death & Dismemberment (AD&D) – $32.00

INCLUDES Fracture and Dental Benefits

$50,000 – Enhanced* Accident, Death and Dismemberment for injuries sustained by you, the member related to horses, including coverage when you are enroute to and from an equine activity in a vehicle. This policy will pay regardless of any other insurance that may be in force at the time of the incident.   *Enhanced AD&D is restricted to members who have not reached the age of 75 years.

Information and Frequently Asked Questions about the Optional ADD Coverage


Members Named Perils Horse Mortality – $17.00

$10,000 – Horse Mortality (Named Perils). Horse(s) you own are covered for death arising from Fire, lightning, transportation, earthquake or flood, attack by dogs or wild animals. Limit of $10,000 any one loss and any one term. New for 2018: Includes compensation for government ordered destruction of horse.  This policy must be purchased by the owner of the horse(s).


$2,500 Emergency Life Saving Surgery – $250 Deductible – $46.00

Emergency Life Saving Surgery – This policy covers Emergency Life Saving Surgery necessitated by accident or sickness, including colic surgery and fracture surgery, to a maximum limit of $2,500.00 for expenses incurred ($250 deductible).

PLEASE NOTE: This is NOT a life insurance policy; NO DEATH BENEFIT is payable under this policy.  This policy is restricted to one claim per year and must be purchased by the member who is the owner of horse(s).  Members must have purchased Members Named Perils in order to be eligible to purchase the Emergency Life Saving Surgery product.

Information and Frequently Asked Questions about the Members Named Perils and Emergency Life Saving Surgery Coverage


$10,000 Tack & Horse Equipment – $45.00

Insures tack and equipment from loss or damage anywhere in Continental US/Canada. Tack and horse equipment you own, excluding rider clothing and protective equipment is insured against loss or damage from “all risks”. Limit of coverage is $10,000 for any one loss, total limit per term. Losses subject to deductible of $500.00


$2Million Out-of-Province Travel Health Insurance – $125.00

*Please contact the OE Office if you plan on travelling within 30 days of purchase*

$2,000,000 – Travel/Medical Coverage – Emergency Out of Province/Country travel insurance. Maximum length of any one trip is 90 days, any number of trips per policy term (from province of residence). Includes coverage for injuries sustained while participating in equine activities (including competition). Coverage available to individuals under the age of 75. All members must have a current OE membership and BE UNDER 75 YEARS OF AGE. *******PLEASE NOTE: 2018 Travel Coverage is only VALID if purchased prior to departure from your province of residence AND the date of departure from your province of residence is on or after January 1, 2018.

Travel Frequently Asked Questions (FAQ)


Weekly Accident Indemnity (Short Term Disability) – $160.00

Provides income replacement in the event you are unable to work due to an accident.   Coverage is in force 24 hours a day/ 7-days a week and includes (but is not limited to), injuries arising from an equine related incident.  There is a 7-day waiting period.  The policy will provide up to $500.00/week in income replacement for up to 26 weeks (some restrictions apply).


The combined benefit from this policy and all other benefits available to you (WCB/WSIB/CPP/ Employer Group Programs, etc.) cannot exceed 75% of reported gross income to Canadian Revenue Agency in the most recent taxation year.

To qualify for this special program and be eligible for benefits, you must meet the following minimum requirements:

  • Be a resident of Canada.
  • Be a member in good standing of your provincial equine association;
  • Be employed full time (minimum of 25 hours a week with a single employer);
  • Be under the age of 70 years old; and
  • Filed an income tax return to Canada Revenue Agency in the most recent year.


NCCP Certified Coaching Insurance

Certified coaches can take advantage of excellent commercial insurance coverage at discounts exclusive to NCCP professionals. If you are interested, please email Intercity Insurance at:


Interested in other Insurance Options?

Discounts on your equine insurance needs, including:

  • Mortality and medical insurance for horses
  • Liability insurance for Equine Associations and Clubs
  • Farriers
  • Grooms
  • Veterinarians
  • Horse Shows
  • Coaching
  • Boarding and other Commercial Coverage

Please contact Intercity Insurance for these options at 1-888-394-3330



The Descriptions of coverage have been prepared for information purposes only. The insuring agreements, general terms, conditions and exclusions of the actual policy will govern specific application of the various coverages referred to herein. In all cases the actual policy documents will supersede these descriptions. Please be advised a nominal administrative fee is collected by OE for all optional insurance purchased.

The insurance coverage included and / or available as an option with your Ontario Equestrian (OE) Membership is provided to you by Intercity Insurance Services Inc. OE is not licensed to sell or provide counsel on the insurance coverage.   Please contact Intercity Insurance directly for any questions regarding coverage, limitations or exclusions at 1-888-394-3330 (Equine Department).