After a freak accident that resulted in losing my heart horse, I am 110% getting insurance on my next horse.
I would be looking at an in-utero purchase, and was looking for some insight on how insuring the foal would work.
I would not try to insure while still in utero, but after 48hrs when I would be responsible for whatever happens to the foal before it comes home.
What are the best companies to work with for this? Thank you in advance.
Prospective foal insurance will cover in-utero, starting around 45 days. Regular foal insurance starts when the foal stands/nurses and passes a well-foal exam (24-72 hours depending on company). That will be a mortality policy. Last time I checked, you could add major medical insurance once the foal hit 30 days.
All of my horses are with Cunningham and Cunningham.
We just got an in-utero policy for a 2021 foal that is out of a mare no longer in our control. Rates were 14.0% for coverage through 30 days, 14.5% through 45 days, and 17.0% for coverage through 1yr old. So way more expensive than normal mortality, but we felt worth it in this specific instance. For our foals, normally we can get mortality at 24hrs and major medical at 30 days. Our coverage is with Great American
Contact Jennifer Oliver, Equine Insurance Specialist. She is licensed in every state and is fabulous to work with and will absolutely give you a better quote than anyone else in the business. Look for her FB page.
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