Livestock insurance
Cover for the animals a farm or business depends on, from cattle and buffalo to goats, sheep and poultry, against death from disease or accident.
What it covers
Cover varies between insurers and plans. The policy wording is what decides whether a claim is payable, so read it before you buy.
- Death of the insured animal from disease
- Death from accident, including snake bite and wild animal attack, as the policy provides
- Death from fire, flood, storm, lightning and other natural calamities
- Permanent total disability, where the plan includes it and the animal can no longer be used for its purpose
- Surgical operations and treatment, where the policy provides for them
Key features
- Sum insured based on the animal's market value, certified by a veterinarian at inception
- A health certificate and an identification, usually an ear tag or a microchip, are conditions of cover
- A claim needs the identification returned along with the veterinary post-mortem certificate
- Government and state schemes subsidise premium for some categories of farmer and animal
- Exclusions for diseases the animal was not vaccinated against, and for intentional slaughter
- Policy terms available: [POLICY TERM OPTIONS]
How to buy it
Four steps, with an advisor you can reach at any of them.
Tell us what to cover
Tell us the animals to be insured, their breed, age and yield, and where they are kept.
Compare plans
See premium, cover, exclusions and key terms from our partner insurers side by side.
Share details & KYC
Add the details the insurer needs and complete KYC with your PAN.
Get your policy
Pay online, the policy reaches your email, and your advisor stays with you at claim time.
Livestock insurance: FAQs
Why is the ear tag so important?
It identifies the insured animal. Most insurers require the tag, or its equivalent, to be returned with the claim as proof that the animal that died is the one insured.
How is the sum insured decided?
By a veterinary valuation when the animal is insured, based on breed, age, yield and market value. Insuring above the valuation does not increase what is paid.
Are epidemic diseases covered?
Cover for notified epidemic diseases depends on the policy and on vaccination. Animals must normally be vaccinated as the wording requires, or a claim can be declined.
Is poultry insured the same way?
Poultry is usually insured flock-wise rather than animal-wise, with mortality above a stated normal level forming the claim. The structure is different from cattle cover.