Foal Insurance
KBIS Foal insurance policies are able to provide cover from just 24 hours old. Veterinary Fee insurance is also available from 90 days old.
Both the death, theft, and straying cover and veterinary fee cover sections of our Foal insurance policies provides 15 months of cover from the onset date of a condition, allowing you longer to claim when you need it most. Additional cover can be added to each policy in the form of Public Liability, Personal Accident, Tack and/or Trailer.
The lowest class of use includes cover for youngstock and those at grass, therefore offering a cheaper rate for foals that as they are not in any form of training or ridden work.
Catastrophe Breeding cover which, with a current policy for the mare will cover accidental, external injuries only for the foal from birth to 89 days old when they can move over to their own policy.
Cover available
The following cover can be purchased under both a KBIS Leisure Policy and KBIS Competition Policy.
Please note the information below outlines the cover available, if you have a policy with KBIS your exact cover will be specified on your certificate of insurance.
Death, Theft and Straying
Death,Theft and Straying is the starting point of your insurance. It is the benefit paid following the death or euthanasia of the horse or if the horse is lost or stolen and not found. This benefit will be the sum insured/market value of the insured horse.
Vet Fee Cover
Vet fee cover provides the insured horse with cover for non routine veterinary procedures. Vet fee cover can be extremely beneficial and will help you to make sure your horse receives the veterinary attention required in the event of an injury without you, the horse owner, having to worry about the cost.
KBIS offer a range of different vet fee cover options for you to choose from, depending on your horses age and the activities you are participating in.
Competition cover provides more comprehensive cover with incident limits up to £6,000, and cover for complementary treatment and hospitalisation. You can view the vet fee cover available under each policy below:
Vetting requirements
The table below outlines our vetting requirements depending on the type of cover you wish to take out and the market value of your horse (not the value that you are choosing to insure the horse for).
For all levels of cover you will be required to complete a proposal form.
| Age | Market value | Documents required |
| 24 hours to 30 days | Up to and including £1,499 |
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| £1,500 and above |
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| 31 - 89 days | Up to and including £1,499 |
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| £1,500 and above |
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| 90 days + | Please refer to Horse Insurance Venterinary Requirments | |
Eligibility
The maximum value of horse we are able to quote for online is £15,000. If your foal is worth more than this KBIS can still cater for your needs but we will need to speak to you over the phone on 0345 230 2323 to provide a quotation and arrange cover.
For those valued over £20,000 you may want to consider cover through our specialist Sport Horse insurance policy.
All horses (and owners!) must be domiciled in the United Kingdom.
To find out more about Foal Insruance polcies visit KBIS using the button below.
