The business of horse breeding carries the risk that something may happen to the foal before it is born. The insurance coverage limit is determined by the costs associated with the mare, such as breeding fees by live cover or artificial insemination.  Live foal insurance protects the owner up to the covered limit of insurance if the mare does not have a live foal, or if the foal dies during the policy term. The mare must also be covered under a mortality policy. Call us for rates.