Foal insurance helps protect your investment

The costs involved in producing a foal which include the stallion fee, the cost of upkeep for the mare for a year, veterinary and blacksmith bills, and the lost income if a mare misses producing a foal for a year can be significant.  A commonly used method to offset these potential costs is to purchase “foal” insurance.

There are three distinct phases or age ranges in a foal’s life that can be insured by a mortality policy.

The first is “Prospective Foal” insurance. Once a mare is pronounced in foal 45 days after she’s been bred, prospective foal insurance covers the foal, in utero, until it is born and is 24 hours old.

At 24 hours of age, if the foal is healthy, standing and nursing normally, and has received the proper passive transfer of antibodies from the mare’s colostrum (IgG), then the foal can be protected by “Foal Mortality” insurance.

At about 3 months of age, the coverage becomes a standard equine mortality policy.

These three stages in a “foal’s life have inherently different risks which can cause the premature death of a foal.  Therefore each policy type is rated differently and has a different premium basis.”

If you want to know more, let’s talk.