Does anyone here insure their foals?

arwenplusone

arwenplusone

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Just wondered what people do and how old they insure their foals at - I appreciate those with loads probably don't insure them at all but what about smaller - home breeders?

I had my broodmare insured but foaly became ill about 4 days after she was born. Luckily she pulled through but after IV, antibiotics, electrolytes and umpteen vets visits it wasn't cheap. Tried to see if I could claim on mare's insurance (she's insured for breeding) but I couldn't.

Thing is - if I'd insured foaly on day of birth I still wouldn't have been able to claim because of the 14 day policy! She isn't insured now (at 4 months) and I'm not sure whether to bother?

What do other people do - Insure at birth or when the foal is weaned?
 
I only insure mine because it is a condition of the livery yard. Even so, they managed to wriggle out of paying the only claim I've ever made.
 
well you cant normally insure foals till htey are 30 days old - i went to insure mine the other day and they asked for a 2 stage vet report ???? I told them to poke it she is only 2 months old !!
 
nfu as my mare was already covered said that i could when she became pregnant for £10 extra approx insure the foal incase anything happens(i think it was in the last month but i can't remember) you were covered for the worst to happen(foal stillborn) and then you would get back stud fees, vets etc. it also covered the foal up to 30 days old then you can take out your own insurance
 
I did the same with NFU, they were really helpful. I insured my foal because of my general bad luck!! My foal had to have a plasma transfusion at 48 hours old due to low immunoglobulins, and they would not pay out for that - it was deemed to be preventative treatment in the same way that vaccinations would be. They did pay out for the uterine infection my mare had post foaling though, so I can't really complain!
 
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I always insure the foal as soon as I can. NFU don't ask for a vetting for anything unless over £6000

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you cant insure with NFU unless you already have something insured with them
 
Memo/Captain, that sounds like a great plan - I didn't even know you could insure like that. Sort of like ensuring the birth. Am with NFU for my lorry and another horse so will have a chat with them as mare is in foal again!

Half the time I can't help thinking it isn't worth it but then, you never know what might happen!
 
I insure mine for £1000 for death, illness, disease and theft, as soon as possible (30 days) with KBIS. They do not need a vet certificate. With having so many, I don't have vet fees, it's far too expensive but then I am a lot older and possibly more practical in the 'what will be, will be', I don't go into hysterics if something does go wrong and am more inclined to cut my losses than perhaps someone with only the one mare and foal. That's not to say I just get rid if it does go pear shaped, I'll fight tooth and nail for something if it will come right but won't throw good money after bad if the chances are it won't - if that makes any sense. If I only had the one and only then it would be insured upto the hilt for everything except perhaps LOU.
 
Yes from one month but as soon as they are sold and paid in full the insurance passes to the buyer, that way if anything does happen everyone is covered, as accidents with those little ones no matter how careful you are do happen!
 
Mine was insured technically before she was born as I took out a foaling extension on the mare's policy (the "foal" was insured in utero from when the mare was 5 months pregnant up until it was 30 days old) and then I insured the foal in her own right. NFU recommended insuring her for her market value.
 
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