Frequently Asked Questions

If you can't find the answer to your question here feel free to send us a message.  We will respond as soon as possible.

Why is CRHRA membership so “cheap” compared to other options?

The CRHRA is ran strictly by volunteers with the same passion for horses as the membership. CRHRA is a not for profit association. We do not have any overhead charges or sponsor expensive sport specific shows.

How long is my membership active?

CRHRA Membership term is from Jan. 1 to Dec. 31 of the current calendar year.  To keep your insurance coverage active we strongly suggest you renew your membership on or before Jan. 1st. Memberships renewals can be purchased starting November of the previous year.

What provinces is CRHRA active in? 

All Provinces and Territories except Quebec. World Wide Coverage!

How do I purchase a CRHRA membership?

The best way to apply for membership is through the website Memberships are active immediately.  If you know someone that does not have access to a computer you can print a copy of the printable application and have them mail it to the membership address. 

You can email or Call (519) 941-6157 to request assistance.

Note: Mailing memberships take much longer to process, please note if you have a deadline you must submit your application at least 3 weeks prior to receive confirmation.

I have questions about my membership or the membership process, what can I do?

If you have questions about your membership or the membership process please email  or call (519) 941-6157 (voicemail only) and someone will get back to you within 2 business days. 

I'm confused, how do I process my membership purchase?  

A self help tutorial has been added to the sidebar menu.  Open the side bar and scroll down to the bottom.  Processing and Navigating CRHRA Membership should walk you through the process.

Is CRHRA an insurance company?

No, CRHRA is a "not for profit" association promoting recreational horse enthusiasts across Canada. 

What activities does CRHRA insurance cover?
CRHRA Insurance is widely accepted at most shows, clinics, stables, campgrounds and activities that do not require a sport license. Our coverage is the same as other available associations.  Feel free to contact CRHRA if you are concerned about coverage on your activities (ie: pony pulls, events with live ammunition are not covered).

Will not cover Heavy Horse Pulling Competitions or horses for commercial use or events that require a Sport Licence. Covering all other horse events and uses such as Reining, Trail Riding, Games, Pony Club Hunt Club, Barrel Racing, Vaulting, etc.
If I change horses do I have to transfer my membership?
Your horse is automatically covered if you’re a member. We insure you the member for any horse you ride anywhere in the world.

I can't get through on the phone number provided for membership.  What now?

Please email  

Will I be receiving a confirmation after I complete my application?

CRHRA membership is run by volunteer members.  Sometimes it takes a bit of time to process each membership as they are received.  You will receive confirmation in the mail with your membership number.  You can be confident that your insurance is active as soon as your payment has been processed.  Call the membership phone (or secretary) if you need your membership number for event organizers, moving to a new stable, campgrounds, etc.

How many people does a membership cover?

CRHRA does not offer family/group packages.  Every rider needs to have their own membership even if they share a pony/horse. Members under age 18 will need a parent or guardian to process the membership.
When does my BFL Policy lapse? 
The Policy benefit of membership lapses 11:59.59 Dec 31 of each year. It also lapses at age 90 for any member.

Does CRHRA supply insurance for other horse clubs?

CRHRA is not an insurance company.  Our insurance is part of the CRHRA membership package.  If your members require insurance they can apply for a  CRHRA membership as long as the activities they participate in does not require a sport license.
Please contact Bonnie at if you club iis unable to get its own director and board insurance. We ay be able to assist with alternative ideas.

Do you offer refunds?

No we unfortunately we cannot offer refunds on any products purchased. 

How do I navigate this website?

There’s so many different styles of web pages on the internet. This sure doesn’t help when  trying to get information. Do you see those three horizontal lines in the top left hand corner? Click on them. This is the icon to open the sidebar menu.

How do I receive the Newsletters?

An email address must be provided in order to receive the newsletter. We do not sell or share email addresses or personal information. Our Newsletter is an internal operation.

What kind of coverage do I get with a membership?

Basic Membership to CRHRA includes:

  • $5,000,000 Personal Liability for non-commercial use of a horse owned, rented, leased or borrowed by the member.
  • $30,000 Accident, Death and Dismemberment Insurance

Providing a lump sum benefit and some reimbursement of expenses if a member 75 years of age or younger suffers accidental death or dismemberment during equine related activities. Members over 75 are not covered for Death and Dismemberment. Coverage is World Wide.