Please note cover is subject to the usual Foal Veterinary Certificate of Health at 24 hours, noting IgG Blood Results > 800mg/dl. A haematology report is also required on all foals insured at 24 hours of age where sums insured are $200,000 and over.

    Pinhooking? Did you know you can extend your policy to include Unsoundness of Wind (Failure to Pass Scoping). See below for full PDF Wording.

    For full policy wordings please see the PDF documents below. At a glance our policies include the following:

    Optional Extended foal policy continuous through to yearling sales in 2024

    Responding to popular demand, HQ Insurance is delighted to announce that it can offer extended insurance cover beyond the traditional 12 months, from birth right through until sale as a yearling in 2024. If this option interests you, we would love to hear from you.

    Guaranteed Renewal Clause (Pioneered by HQ Insurance)

    In the event that your horse insured under this policy has incurred a life-threatening injury, illness or disease, coverage will automatically RENEW at the existing sum insured until the first policy anniversary date after the horse reaches the age of 14 or until such time as the injury, illness or disease is no longer life-threatening, whichever is sooner. Further, NO Veterinary Certificate will be required for any renewal until the horse reaches 14 years of age.

    Agreed Value

    In the event of a covered loss, Underwriters will pay the full amount for which your horse is insured under the policy schedule at the time of the loss occurring.

    Options for Life Saving Surgery

    This extension covers Veterinary expenses including up to 14 days of after-care costs and transport to and from the hospital / clinic in instances where surgery under general anaesthetic or sedation (a clause pioneered by HQ Insurance) is performed in an attempt to save the life of your horse. Limits of up to $10,000 and $15,000 available.

    Unsoundness of Wind (Failure to Pass Scoping)

    This extension is perfect for Pinhooker’s looking to sell their foals or weanlings at the Yearling Sales.

    Prompt Claim Settlements

    Our dedicated Claims Manager will handle your claim with the care and urgency that our clients deserve.

    No Excess on Mortality Claims

    No excess payable on mortality claims which respond in the event of death either through natural causes or an accident, injury or illness so severe that a Veterinarian performs euthanasia on humane grounds to curtail excessive and ongoing pain and suffering. Standard Coverage also includes Theft and the freedom to transport your horse anywhere within and between Australia and New Zealand. Cover can also be arranged for almost anywhere in the world including transits.


    Contact us today for a competitive and comprehensive quote.

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    Policy Features

    HQ Insurance offers you the most comprehensive Bloodstock Insurance for your Thoroughbreds.

    • Fall of Hammer Insurance
    • Premium Funding Available
    • Prompt Claims Settlement
    • Life Saving Surgery Cover – Now available up to a $15,000 limit.


    Find our related policy wordings below.

    Can’t find the document you’re looking for? Check out resources page for more available downloads.

    SRI Policy Wording (v11)

    July 2021

    Guaranteed Renewal Clause

    January 2018

    Life Saving Surgery Extension

    March 2021

    Financial Services Guide (v11)

    October 2021

    What is Premium Funding?

    January 2018

    Unsoundness of Wind Extension

    June 2015

    Fall of Hammer

    When buying a horse at auction sales, once the gavel has fallen and you are the successful bidder, the purchase is contractually yours and you are responsible for it.

    At fall of hammer risks to and in the horse immediately transfer from the seller to the buyer. Our Fall of Hammer insurance cover will be the safety net upon which you can rely for incidents that trigger a claim under the policy.