There are two primary types of coverage related to a mare’s inability to produce a foal.
- Prospective Foal Policy – reimburses you if a mare, after 42 days gestation, fails to produce a live foal (for any reason not excluded) or if the foal dies in the first 24 hours after birth.
Prospective Foal coverage begins once a mare has been verified (by a veterinarian) to be in-foal for at least 42 days from when she was last bred. The amount of coverage usually reflects the value of the stud fee, but it might also include reasonable anticipated profits from the sale of the prospective foal. The premium rate is based on several factors including the mare’s age, breeding history and stage of pregnancy.
- Conception and Prospective Foal Policy – reimburses you if a mare fails to either conceive, produce a live foal (for any reason not excluded) or if the foal dies in the first 24 hours after birth.