insuring mare in foal

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mlm

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i have always had my mare insured with nfu no problems. i had a foaling extension put on last week (due on 5th april) and they are charging £165.00 until the foal is 30 days old. i thought this was taking the P.SS!!!. i phoned them and they said that my mare will not be covered for anything that might happen to her that relates to her being pregnant. i understand that but thought it was a lot of money.. also as i do not have her insured for her real value just for vet bills the foal is only insured for 10% of my mares value up to a maximum of £1k. do you think i should bother!!!!
 
Do you have the cash in the bank if something goes horribly wrong??

I was going to do it for Amy just for piece of mind.......
 
That seems to be well taking the piddle doesn't it?

I must admit, I don't 'do' vet fees but my broodies are insured with KBIS for death by accident, injury and disease and also foaling and transit. It's a bog standard basic cover, nothing special but it gives me peace of mind that they are covered if anything should go wrong. I don't insure foals before they are 30 days because the cost is so astronomical.
It probably helps me that I've been working with horses for over 40 years but if I didn't have that experience and only one mare then I would probably shell out for full vet cover just for peace of mind unless I had experienced veterinary back up (which I am lucky enough to have - I just don't want to have to use it but it's there if I need him!)
 
Try SEIB, they have been very helpful over the years with insuring our mares and foals in France, there's no harm in researching the market. A lot of these companies rely on inertia marketing.
 
as i only have her i want cover as i need piece of mind as it is my firat ever foal but it just seemed quite expensive and so many stipulations. when the foal is born after 30 days they said i can still only insure for£1k until i can prove that it is worth more. fingers crossed i never need to claim
 
That's an awful lot. Mine's insured with NFU and last year when she was in foal I put a foaling extension onto her insurance. She's insured for £3k and the insurance covered any problems with the pregnancy and foaling provided the treatment was deemed necessary by a vet. The foal was then covered until midday of the 30th day and it cost me £75.
 
google Catherine de Buyl, she is a horse insurance broker, and is well reputed in Europe. She speaks perfect english, and is a breeder and top class SJ owner, so she completely understands the market and what breeders need. Give it a go, perhaps these UK based insurers need a kick in the ass!
 
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as i only have her i want cover as i need piece of mind as it is my firat ever foal but it just seemed quite expensive and so many stipulations. when the foal is born after 30 days they said i can still only insure for£1k until i can prove that it is worth more. fingers crossed i never need to claim

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It does seem expensive and I would shop around. I don't insure my mares and foals - the cost for all of them would be exhorbitant and over the past 5 years, I'd be about £20,000 DOWN per year when looking at what I could claim against the cost of premiums/ But I have 15 broodies.

If you only have one, and you are unlucky, the costs can add up.

For example: one mare who had a badly retained placenta cost about £500 in vet's fees JUST for that.

Another mare had a foal with Neonatal Maladjustment Syndrome - cost over £600 to keep him alive for the first week (if they don't die by then they get better!)

And they are relatively 'trivial' incidents. If something serious happens, it could end up costing several thousands!
 
NFU are more expensive for having them covered for foaling. SEIB as Ken has stated is a good policy and we are thinking of changing all our broodmares over to SEIB when the NFU policy finishes.

We had thought about KBIS for the broodmares, but on speaking with them if your mare dies then she has to be post-mortemed, which means your vet has to be willing to do it on your premises, or you have to pay to get her uplifted to somewhere that will do this (unless you have them already insured for all vet fees).
 
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