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ABOUT KUDA BLOODSTOCK
We take care of the risk so that you can focus on what matters the most to you. Kuda Bloodstock Insurance is expertly designed with the modern, professional racehorse owner in mind. We offer the full range of unique cover, from in-utero all the way to international transit and stallion fertility cover.
Kuda insures your racehorse through every significant phase of life – a foal, a yearling, through its pre-training and into its racing career. The peace of mind you’d expect from South Africa’s leader in Bloodstock insurance.
Mortality Cover including Life-Saving Surgery & Critical Care (Comprehensive cover)
- All risks of mortality
- Theft and unlawful removal
- All local transits
- Lifesaving surgery extension of R100,000 per event (proportioned to share percentage owned)
- Critical care extension – ie, above veterinary cover not limited to surgery only, but also in-hospital emergency lifesaving treatment
In addition to the sum insured in the schedule, we will pay up to the maximum benefit specified per event for surgery and/or in-hospital treatment including care following such surgery or treatment if this is necessary to save the life of the horse specified in your schedule.
Note: in order for a critical care claim to be valid it must meet the following criteria
- Treatment or surgery needs to be emergency life-saving
- Treatment or surgery needs to take place in a hospital
All our Critical Care cases are assessed on an individual basis.
Should the claim be valid, cover available will be up to a maximum of R100,000 or 7 days in hospital, which-ever comes first (Note: this will be proportioned to the share owned).
Medical Care
- This includes life-saving surgery and critical care up to R100 000 per event
- We will cover any injury/illness/disease as per the specified list of conditions/illnesses (excess applicable)
In addition to the sum insured in the schedule, we will pay up to the limits in the Table of Benefits against the relevant grouping of illnesses or conditions for veterinary fees for each of the conditions or illnesses defined under Specific Definitions. We will not pay more than the amount specified in the schedule per horse in any one 12-month period of insurance for this extension.
Added Medical Care – What is covered?
- Standalone life-saving surgery and critical care (no mortality cover)
- Standalone Medical Care that includes lifesaving surgery and critical care (no mortality cover)
- Our Comprehensive cover that has lifesaving surgery and critical care added is valid for horses out of SA (Note: territorial limits will be in place)
Mortality Cover(death)
- Includes all risks of mortality/theft and unlawful removal/local transit
International Transit by Air
- Policy will be extended to provide cover while the horse is in transit during a journey abroad until it reaches the final destination as per the schedule. Cover is charged per leg/flight.
Foetus cover from 45 or 120 days post LSD (Last Service Date)
- If this extension is stated in the schedule to apply and you have paid the additional premium, your policy is extended to indemnify you up to the sum insured provided:
- The mare named in the schedule, who has not given birth to a live foal during the period of this insurance, is not in foal, or, if the foal in utero named in the schedule is not alive at the expiry of the insurance period to which this extension applies.
Stallion Infertility (ASD) – result of accident/illness/disease
- If this extension is stated in the schedule to apply and you have paid the additional premium then your policy is extended to indemnify you up to the sum insured in the schedule provided:
- The stallion named in the schedule becomes permanently impotent (fails to achieve intromission), infertile (sterile) or incapable of serving mares (fails to achieve intromission) as a result of an accident, illness or disease sustained or contracted during the period of insurance. This is subject to us being notified immediately in the event of there being an indication of the stallion being incapable of either serving mares or achieving pregnancies.
Stallion Loss of Income (breeding season 1 September to 31 December-Southern Hemisphere)
YOUR PERSONAL KUDA BLOODSTOCK TEAM
UNDERWRITTEN BY LLOYD’S OF LONDON
From its beginnings in a coffee house in 1688, Lloyd’s has been a pioneer in insurance and has grown over 330 years to become the world’s leading market for specialist insurance.
