Question 1

What is Bloodstock Insurance?

Accepted Answer

Bloodstock Insurance provides indemnity to the owner in the event of the horse's death due to illness, accident or, in certain circumstances, humane euthanasia on veterinary grounds.

Question 2

What does Equine Health Insurance cover?

Accepted Answer

Equine Health Insurance generally covers veterinary expenses following life-saving surgery, and hospitalisation.

Question 3

What is the difference between Bloodstock Insurance and Equine Health Insurance?

Accepted Answer

Bloodstock Insurance provides financial indemnity in the event of the horse's death. Equine Health Insurance covers veterinary expenses while the horse is alive.

Question 4

Can all horses be insured?

Accepted Answer

Acceptance age is generally between 6 months and 14 years. Beyond 14 years, each case is assessed individually. A veterinary examination may be required before the policy is accepted. Horses with pre-existing medical conditions or injuries may be subject to exclusions.

Question 5

How is my horse's insured value determined?

Accepted Answer

The sum insured is agreed between the Policyholder and the Insurer at the beginning of the policy and remains unchanged throughout the policy year.

Question 6

Is there a waiting period?

Accepted Answer

No. Once the veterinary questionnaire has been completed, accepted by the Insurer and the premium has been paid, there is no waiting period.

Question 7

Is my horse covered outside Portugal?

Accepted Answer

The policy covers transport and temporary stays throughout Europe. Cover outside Europe is assessed on a case-by-case basis.

Question 8

Does the insurance cover competitions?

Accepted Answer

Yes. Competition use is covered, provided it has been declared and accepted by the Insurer.

Question 9

Is euthanasia covered?

Accepted Answer

Yes. Humane euthanasia is covered when performed on veterinary grounds and in accordance with the terms of the policy.

Question 10

What should I do if my horse shows signs of illness?

Accepted Answer

Notify Frontside Seguros and the Insurer immediately and submit a claim notification.

Question 11

Do I have to pay the veterinary expenses in advance?

Accepted Answer

Yes. In the event of surgery, the policy operates on a reimbursement basis.

Question 12

Can I choose any veterinarian?

Accepted Answer

Yes.

Question 13

What happens if my horse dies?

Accepted Answer

The Policyholder must: notify the Insurer immediately; submit the veterinary post-mortem report and any other required documentation; where requested, allow a veterinary inspection or post-mortem examination. Once the claim has been validated, the indemnity will be paid in accordance with the policy.

Question 14

What documents are required to issue the policy?

Accepted Answer

A completed insurance proposal form, the veterinary questionnaire and any additional documentation requested by the Insurer.

Question 15

Is a veterinary examination mandatory?

Accepted Answer

Yes. A veterinary questionnaire must be completed. Depending on the horse's age, value or characteristics, a veterinary examination may also be required.

Question 16

How much does Bloodstock Insurance cost?

Accepted Answer

The premium depends on the horse's age, the horse's intended use, the insured value and the cover selected. Please contact us for a personalised quotation.

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