All animals must be identified with a microchip, or tattooed numbers on their back. Besides, there must be submitted a disease-free certificate issued by a veterinarian. At the beginning of the coverage animals must be healthy and without any kind of physical disability.
Death of the animal to all risk, except exclusions- Fattening animals: for a maximum period of 6 more months, after the first annual period. For breeding males and females, for annual periods, with previous agreement and acceptance of insurer and for five years maximum.
- Deductible: 4% annually applicable over the insured sum.
- Waiting Period: In the first annuity the policy has for this coverage a waiting period of 3 months due to death of animals by epidemic exclusively. Totality of animals must be insured, with a minimum of 100 animals.
- Surgical practices without the insurer knowledge, except in case of force majeure (for example: caesareans).
There shall be no compensation when death is due to:- Epizootic disease or diseases for which the Claimant has the right of being compensated with public resources, even when such right might be lost due to rules violation of sanitary inspection (Art. 100 section A ? Insurance Act);
- Sadness disease (bovine anaplasmosis), or having being under tests or trials for immunization against such disease; tests or trials for immunization against any other disease, carried out with vaccines not approved by the relevant authority, or which have being supplied in doses or ways not prescribed by the participant veterinarian.
- Mastitis.
- Covered diseases but which have being acquired by contagion of other non-covered animals;
- Animal not receiving care or attention from the Claimant or their dependent staff;
- Revenge of the dependent staff of Claimant;
- Lack of water;
- Poisoning due to drinking unfit water and/or eating non-fodder species;
- Unfulfillment of agreed action in Health Plan;
- Lack of availability of vaccines in the market as well as the inability of carrying out vaccine tasks;
- Acidosis and other non-covered eating disorders;
- Floods and their consequences;
- High and low temperatures that affect animals with nutritional deficiencies.
- Surgical practices.
- Robbery, its attempt and/or theft.
Also are excluded claims for:- Profit or potential benefit;
- Lost profit;
- Commercial risks, price risks or sale inability;
- Civil Liability over animals to be covered;
- Economic losses due to pregnancy, abortions or miscarriage and their consequences.
- Excluded from this coverage are calves born during the effect thereof, as well as unborn; for example: giving birth death animals. Lack of attention on part of the proprietary or veterinarian.