Is this even possible? I have a mare that is ridden by a family member that I would like to breed this year. We would like to keep her as a riding horse while she is preggers (obviously within reason) and she is a 1996 model (coming 14). She has had three previous foals with no problems.
My question is if companies even offer the option to insure broodmares, if so, what companies and what is (generally) the premium? I know that is going to depend on the amount of coverage, but ballpark if anyone has it.
Yes, medical/mortality insurance on broodmares is available.
I have it on my mare, at a rate for mortality of 3% of insured value, plus an additional amount for major medical. That rate compares to 3.3% on my 7 year old gelding who is doing the hunters, and 3.6% on my yearling and two-year old youngsters who are doing not much of anything but running around the pasture.
I use the Ark Agency in Minnesota, and they find the appropriate insurers to provide the coverage needed at the best rates/terms. There are also other good agencies and insurers out there.
"I don't want to sound like a broken record here, but why is it that a woman will forgive homicidal behavior in a horse, yet be highly critical of a man for leaving the toilet seat up?" Dave Barry
I use and recommend Equine Insurance Specialists. Really nice folks, and they have a wonderful online insurance quote form right on their web site, so you can find out the rate immediately, and don't have to wait for someone to get back to you: http://www.equispec.com/
I always insist that the people who are buying horses from me on payment plans have the horse insured for AT LEAST mortality, because few people want to pay for a dead horse .
I use to use Starnes, but I just discovered Equine Insurance Center who offer very competitive rates through Great American. They offer mortality, major medical, foal insurance, etc. and you can pay quarterly if you need to.
Very nice people -- ask for Ryan -- they also own horses & run a boarding stable, so they are "real" horse people.