Covering a Mare’s pregnancy can be arranged from her 42-45 day scan confirming she is in foal until either 30 days after birth, 12 months after birth or until the Yearling Sales. Prospective foal insurance indemnifies the insured against a loss arising from the Mare losing the foal during pregnancy or during birth and continues to cover the foal until the expiry date chosen.

    Cover is subject to a current Pregnancy Certificate noting 2 early scan dates, confirmation of no twins and last service date. A Veterinary Certificate will also be required on the Mare if she is not currently insured.

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

    Renewal Extension

    In the event that your horse insured under this policy has incurred a life-threatening injury, illness or disease, but did not result in death or humane destruction, coverage will renew up to the applicable limit of liability 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.

    Dedicated Claims Management

    HQ Insurance offer clients the luxury of a dedicated claims manager that will handle your claim from start to finish. Access to a registered equine surgical specialist on the team, who is available for emergency veterinary consultation, is included free of charge. Also included is HQ Insurance’s claims settlement authority, enabling us to settle claims on behalf of underwriters, where the sum insured is under $150,000 within 24 hours of all claims paperwork being received. Conditions apply.

    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.


    Find our related policy wordings below.

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

    Financial Services Guide (v11)

    October 2021

    What is Premium Funding?

    January 2018

    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.