Why Insure a Mare and Foal? Breeding horses is a rewarding but risky endeavor. From conception through to foaling, and throughout a foal’s early life, a range of complications can arise—many of which are unpredictable and costly. Mare and foal insurance provides peace of mind by covering losses in the event of death, illness, injury, or complications during foaling. Given the value of both mares and their offspring, especially those with strong pedigrees or racing records, insuring your horses is a sound financial decision.
Cost of Coverage: Premiums vary depending on several factors, including the horse’s age, value, medical history, and the level of coverage chosen. For example, basic mare and foal insurance coverage can start at around $515, though this figure increases with the sum insured and the horses’ individual risk profile. Generally, insurance companies will require a veterinary certificate or health declaration to begin coverage, especially for high-value animals.
When to Buy: Timing is critical. For foals, coverage can begin just one day after birth, but for in-utero coverage, policies should be taken out shortly after the mare’s pregnancy is confirmed (typically around 42 days). Because foaling season can bring unexpected complications, breeders are encouraged to secure coverage well in advance to avoid gaps in protection.
A Smart Step for Breeders: Whether you’re a small breeder with one mare or managing a larger operation, horse insurance is a wise step toward safeguarding your investment. It ensures you’re financially protected against the unpredictable nature of equine health and breeding, allowing you to focus on raising the next champion with confidence.
Over 70 Years Experience: Fitton HorseInsurse’s leading team, Ron and Christina, collectively have over 70 years of experience in the horse industry. From breeding, racing and competing horses to insuring them, they well understand the complexities of owning horses. Using a broker who understands horses and the many ins and outs of horse ownership will benefit you in having correct coverage in place and in assisting with the claim process. For tailored quotes or to explore coverage options, speak to Christina, Ron or one of our specialist equine insurance brokers today.
Types of Coverage Available: Policies are typically customizable to suit different breeding operations and individual risk tolerances, but most mare and foal insurance packages can include the following:
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A Lot Established |
Acrobat Established |
Al Maher Established |
Alabama Express Established |
All American Established |
All Too Hard Established |
Alpine Eagle Established |
Alpine Edge 2nd Season |
Anders Established |
Artie Schiller Established |
Awesome Rock Established |
Barbados Established |
Barbaric 1st crop 2YOs |
Best Of Bordeaux Established |
Better Than Ready Established |
Bivouac Established |
Brave Smash Established |
Brazen Beau Established |
Bruckner 3rd Season |
Bull Point Established |
Bullbars Established |
Cape Of Good Hope 3rd Season |
Capitalist Established |
Captivant 1st crop 2YOs |
Castelvecchio Established |
City Of Troy Established |
Cliff's Edge Established |
Cogburn 1st Season |
Cool Aza Beel Established |
D'argento Established |
Danerich Established |
Dash For Cash Established |
De Gaulle Established |
Delaware 1st crop 2YOs |
Denman Established |
Dirty Work Established |
Dissident Established |
Don Corleone 2nd Season |
Doubtland Established |
Dubious Established |
Dundeel Established |
Ellsberg 3rd Season |
Encryption Established |
Exceedance Established |
Exosphere Established |
Extreme Choice Established |
Farnan Established |
Flying Artie Established |
Foxwedge Established |
Frankel My Dear Established |
Gingerbread Man Established |
Gold Standard Established |
Graff Established |
Grunt Established |
Hallowed Crown Established |
Harry Angel Established |
Hawaii Five Oh 2nd Season |
Headwater Established |
Hellbent Established |
Hitotsu 3rd Season |
Home Affairs Established |
I Am Immortal Established |
I Am Invincible Established |
Ilovethiscity Established |
Invader Established |
Jacquinot 3rd Season |
Ka Ying Master 3rd Season |
Kermadec Established |
King Colorado 2nd Season |
King's Legacy Established |
Lofty Strike 2nd Season |
Lord Of The Sky Established |
Love Conquers All Established |
Manhattan Rain Established |
Maschino Established |
Master Of Design Established |
Maurice Established |
Merchant Navy Established |
Mo'unga 2nd Season |
Murtajill Established |
My Admiration Established |
Needs Further Established |
Nicconi Established |
Nostradamus Established |
Officiating 2nd Season |
Ole Kirk Established |
Pariah Established |
Pierata Established |
Pierro Established |
Pinatubo 1st crop 2YOs |
Playing God Established |
Portland Sky 1st crop 2YOs |
Power Established |
Prague Established |
Pride Of Dubai Established |
Private Life Established |
Puissance De Lune Established |
Rebel Dane Established |
Rich Enuff Established |
Rommel Established |
Rubick Established |
Russian Camelot Established |
Russian Revolution Established |
Safeguard Established |
Sandbar Established |
Sessions Established |
Shaft Established |
Shalaa Established |
Shamoline Warrior Established |
Shamus Award Established |
Shinzo Established |
Shooting To Win Established |
Sidestep Established |
Sizzling Established |
Skilled Established |
Smart Missile Established |
Snitzel Established |
So Secret Established |
So You Think Established |
Soul Patch Established |
Southport Tycoon 1st Season |
Spirit Of Boom Established |
Squamosa Established |
St Mark's Basilica Established |
Star Turn Established |
Star Witness Established |
Street Boss Established |
Super One Established |
Supido Established |
Swear Established |
Sweet Ride 2nd Season |
Switzerland Established |
The Autumn Sun Established |
The Brothers War Established |
Time To Reign Established |
Too Darn Hot Established |
Toorak Toff Established |
Top Echelon Established |
Toronado Established |
Trapeze Artist Established |
Turffontein Established |
Unite And Conquer Established |
Universal Ruler Established |
Vancouver Established |
Vandeek Established |
Victor Ludorum 1st crop 2YOs |
Von Costa De Hero Established |
Wandjina Established |
Winning Rupert Established |
Wooded 1st crop 2YOs |
Wootton Bassett Established |
Worthy Cause Established |
Written By Established |
Written Tycoon Established |
Xtravagant Established |
Your Song Established |
Zousain Established |
Zoustar Established |