Farm dogs owned by you or your employees are covered for death caused by an accident, illness or disease, and theft. 

Any additional farm dogs are covered for up to $5,000 each, as long as we are notified of the details within 30 days of the purchase and pay any extra premium if we require it. 

If a farm dog is replaced, the new dog is insured on the same terms and for the same amount as the dog it replaced. You need to let us know the details before the next renewal date.  

If the Dog sustains an accident, or contracts an illness or disease which means it is no longer able to fill its duties required for your farming operations we will pay 75% of the sum insured or Fair market value of the dog.

We'll pay up to $1,000 to cover the veterinary costs of treating your farm dog to extend the useful working life of the dog and prevent the death of the dog.

For dogs you’ve individually noted on your policy, we’ll pay the fair market value up to the amount shown on the certificate.

For dogs which aren’t individually noted, we’ll pay the fair market value up to a maximum of $3,000. For one event that may affect more than one unspecified dog payment is limited to the amount shown on the certificate. 

Farm dogs are covered for fair market value, which is the price, immediately before the loss, at which ownership of your dog would change hands between a willing buyer and seller, neither being under compulsion and both having reasonable knowledge of the relevant facts.