Blood Line Insurance for Horses & High-Value Bloodstock
We have cover for the following Risks:
Training and Flatracing
Our policies can include cover whilst training and flat racing as we understand that sometimes, during training, there may be injuries which can be excluded on a standard flat racing policy.
We understand that Racehorses can rise and fall in value after any given race and therefore our policies allow you to amend the sum insured at any time.
Life threatening diseases
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.
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.
Mortality Cover
Protects against financial loss resulting from the untimely death of a horse. It covers death due to accident, illness, disease, theft and while in transit, or if a veterinary surgeon must put the horse down on humane grounds because of an accident, sickness or disease.
Loss of Use Cover
Financial loss may occur if a horse becomes totally and permanently incapable of being ridden, but its condition does not necessitate destruction for humane reasons.
Fetus Cover
Cover for the loss of the fetus resulting from permanent disability, rejection of the fetus, stillbirth, or the death of the mare which leads to the death of the unborn foal.
Stallion Permanent Disability Cover
Indemnifies the insured in the event of the Stallion becoming totally and permanently impotent or infertile or incapable of servicing Mares as a result of an accident, injury, illness or disease.
Veterinary Insurance Policy
This policy is designed to cover the unexpected veterinary fees that horses may incur due to illness or injury.
Public Liability Cover
Covers damages that a horse owner or lessee is legally liable to pay, happening or occurring away from the premises where the horse is kept, following injury or damage directly caused by ownership of the horse.
Dedicated Claims Management
A dedicated claims manager that will handle your claim from start to finish.
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.
A dedicated claims manager that will handle your claim from start to finish.
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.
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Why Choose Blood Line Insurance?
High-value horses and bloodstock face risks that standard cover may not address. Blood Line Insurance helps protect your investment when injury, illness, or unexpected loss threatens racing, training, or breeding plans. Thrive Broking works with specialist insurers to structure cover that aligns with how your horses are used and how their value can change over time.
- Safeguard investment with mortality cover that protects against sudden, unforeseen loss.
- Support breeding plans by addressing impacts to performance and breeding potential.
- Manage rising costs through veterinary expense options for eligible treatment and recovery.
- Adapt with flexibility by adjusting sums insured as value shifts between seasons.
- Reduce policy gaps with guidance on exclusions, conditions, and claims support.
Choosing Blood Line Insurance means protecting more than a single horse — it helps secure your program, bloodlines, and long-term outcomes.
Speak with Thrive Broking today to arrange a complimentary review and tailor your Blood Line Insurance.
Discover a Diverse Selection of Blood Line Insurance Options
Arranging Blood Line Insurance often requires reviewing ownership structures, usage, and potential risks with care and foresight. Every horse carries financial and breeding value, making a thoughtful approach essential to securing the right protection.
We focus on identifying practical cover designed to protect your investment and future earnings. With a short conversation, you’ll gain clarity on the policy options and protection strategies available to support your bloodstock.
Unleash Confidence with Favourable Blood Line Insurance Terms
Securing favourable Blood Line Insurance terms can help minimise complications down the track while providing greater flexibility as your horse’s value evolves. Well-structured cover helps you stay prepared for the unexpected.
We assess specialist insurers and outline the terms offered by each, keeping your ownership goals and preferred level of protection in mind so you can make informed decisions with confidence.
HAVE QUESTIONS? WE HAVE ANSWERS
Find answers to our most frequently asked questions. If you can’t find the information you’re looking for, don’t hesitate to get in touch. We’re here to assist you and provide the support you need.
Blood Line Insurance is specialised cover designed to protect the financial value of horses, including thoroughbreds, breeding stock, and performance horses. It helps safeguard owners against losses caused by illness, injury, theft, or unexpected death.
Horse owners, breeders, trainers, and racing syndicates should consider this cover if their horses represent a significant financial or breeding investment. It provides reassurance that your assets are protected.
Coverage options often include mortality cover, loss of use, veterinary expenses, and transit protection. Policies can be structured to reflect how the horse is used, whether for racing, breeding, or competition.
Yes — values can be adjusted as a horse’s performance, breeding success, or market demand changes, helping ensure your protection keeps pace with its true worth.
Standard livestock policies may not address the unique risks associated with high-value horses. Tailored Blood Line Insurance provides stronger protection and greater confidence for your long-term investment.
General Advice Warning!
Any advice provided on this website is of a general nature only and has not considered your needs and objectives. This information does not take into account the objectives, financial situation or needs of any person. We have not taken your individual circumstances into consideration as this can affect the insurance, premium, cover, and exclusions. For a tailored insurance policy to suit your needs, please contact us
Thrive Broking Pty Ltd in strategic partnership with A-Cubed Risk Solutions Pty Ltd, a Corporate Authorised Representative No 001304275 ABN 40665999959 of Metrix Connect Pty Ltd ABN 55742327931 AFSL 525491