Benefits
Vet costs
Up to $1,000 to cover treatment to extend the useful working life of the dog or prevent death, whether or not death occurs.
Death and theft
Cover for farm dogs for death caused by an accident, illness, disease, or theft.
Loss of use
Cover if an accident, illness or disease results in the dog being permanently incapable of fulfilling its on farm duties.
Unspecified farm dogs
We’ll pay fair market value of up to $3,000 for dogs which aren’t specified on your policy.
FMG’s Farm Dogs policy covers your and your employees’ dogs used as part of your farming operations.
In the event you need to replace a specified farm dog during the period of insurance, we’ll cover the new dog on the same terms and for the same amount as your previous animal until your next renewal date—then we’ll update the details as part of the renewal process.
If you or your employees are getting additional dogs, these will be automatically covered for up to $5,000 each, as long as you notify FMG within 30 days of the purchase and agree to pay any additional premium required.
What we pay
Specified farm dogs
For dogs you’ve individually noted on your policy, we’ll pay the fair market value up to the amount shown on the certificate.
Unspecified farm dogs
For dogs which aren’t individually noted, we’ll pay fair market value up to $3,000. For one event that may affect more than one unspecified dog payment is limited to the amount shown on the certificate.
Fair Market Value is the price of the dog immediately before the loss. We work this out as similar to the price it would be if the dog was being sold to a new owner at the time of the loss.
To understand which policy wording applies to you, please check your Certificate of Cover, or head online to FMG Connect to view all your policy details, including the dates of your policy period. If you're unsure, give us a call.
For more information on our recent policy changes click here.
This is a summary view of our policy and is subject to our specific product documentation and underwriting criteria. For full details please download the policy wording or get a free copy by calling us on 0800 366 466.
Farm Dog Policy Wording Effective for new policies, items or renewals from:
