Hi Kim - Katrina from WorldNomads.com here.
I'm going to assume you're wondering if you're covered to do equestrian activities and/or horse riding from a travel insurance perspective? Generally, the difference relates to whether you are riding a horse as a recreational activity while travelling (horse riding) or training / competing professionally (equestrian).
Each of our travel insurance plans are different, depending on your country of residence (not where you are going). All of our travel insurance policies available through WorldNomads.com will exclude any participation in professional competition or training for professional sports, no matter if you're riding a horse or in a tuk tuk race!
Some policies include recreational equestrian riding and horse riding as standard activities covered, as long as you're not putting yourself at risk or danger. You can check out the adventure sports and activities covered by each plan by selecting your country of residence here - http://www.worldnomads.com/travel-insurance/adventure-travel-insurance.aspx
You should read the travel insurance policy wording and full description of coverage carefully (yep - all the fine print) to make sure you know what's covered and not. This will help you choose a plan to suite your personal requirements.
Please do contact our customer service team directly if you have other specific questions about what we cover and what we don't cover - http://worldnomads.com/contactus.aspx. We can then answer your questions specifically as it relates to your trip.
Safe travels over 6 years ago