Livestock Insurance
BACKGROUNDLivestock forms a valuable asset to the rural economy and contribute immensely to the country growth. The government has moved to create an enabling environment for the growth of the livestock sub sector. Some of the livestock products like milk and beef are now classified as part of food reserve for food security in Kenya.
Livestock insurance is required to create resilience to rural farmers and also assist in creating confidence in financial institutions to lend to farmers. The net effect is stability of the rural economy and introduction of the majority into the cash economy.
What is covered ?
The insurance will pay the owner of the animal should the animal die in any of the following circumstances:
- Accidental death caused by lightening, internal and external injuries, windstorm, snake bite ,electrocution or flooding etc
- Illness or disease
- Widespread outbreak of an infectious disease affecting many animals at the same time in a region.
- Emergency slaughter on advice of qualified veterinary surgeon following an accident, illness or disease.
Theft of animals
Where the animal is reported stolen
Transit risks
Where the animal dies during movement from place to another
Calving / furrowing risks.
Where the animal dies as a result of delivery complications
Which of my animals can I buy insurance for ?
| Animal | Age bracket |
| Dairy Cattle | 6 months to 10 years |
| Beef Cattle | 6 months to 10 years |
| Sheep | 2 months to 7 years |
| Goats | 2 months to 7 years |
| Pigs | 2 months to 7 years |
| Horses | 6 months to 15 years |
| Any domesticated animal of economic value |
What is unique about the APA cover ?
Animal Identification
Each animal will be fitted with a traceable device which transmits a radio signal (RFID) which will be inserted into the body of the animal.
The device may be a bolus which is inserted into an animal’s stomach or a microchip which is inserted on the body of the animal. Each device will have a unique number which will be used to identify the animal at the time of a claim.The traceable device can only be retrieved by a qualified and approved vet once an animal has died.
