Next-generation insurance
We combine microchip data with insurance programs to create solutions that genuinely support breeders and animal owners.
Animal insurance programs
We are developing four main product lines—for horses, cattle, dogs, and cats. Each program has its own risk logic, but all share a common foundation: data from Farm Innovations microchips.
Horses
Insurance
Health and accident coverage for sport, breeding, and leisure horses, with the option to incorporate training load data.
Coverage tailored to the horse’s activity profile
Better documentation of treatment and rehabilitation
Support in emergencies and injury-related events
Cattle
Insurance
A dairy cattle protection program for breeders affiliated with cooperatives belonging to the Polish Chamber of Milk. It covers named risks as well as deaths caused by disease, negotiated with PZUW TUW through PIB BROKER S.A.
Coverage tailored to dairy cattle farming
Temperature monitoring via microchips
Improved herd health control through the Stado.pl application
Support in the event of disease and sudden incidents
Dogs
Insurance
Programs for breeders and individual owners—ranging from treatment cost coverage to protection in the event of sudden incidents.
Integration of health data with medical records
Ability to account for breed, age, and the dog’s lifestyle
Transparent rules for reimbursing treatment costs
Cats
Insurance
Comprehensive health protection for domestic and breeding cats, with a strong focus on early detection of changes in behavior and health condition.
Monitoring the history of chronic conditions
Secure storage of medical examination records
Financial support for costly therapies
Why our insurance is different
Data-driven
Microchips provide real health and environmental parameters of the animal, enabling a more accurate risk assessment.
Faster claims settlement
Reduced paperwork thanks to electronic data verification and complete animal history.
Credibility and certification
Solutions are based on ICAR-compliant microchips and ARiMR requirements, developed in cooperation with financial and industry institutions.
How does data-driven insurance work?
A process that cannot be replicated with traditional insurance policies—built on real-time data collection.
Cattle insurance
Why did we create a dedicated protection program for dairy cattle?
Milk production is highly sensitive to herd health and condition. That’s why, together with cooperatives affiliated with the Polish Chamber of Milk and a specialized insurance broker, we developed a protection model that combines preventive technology with comprehensive insurance coverage for dairy cows.
- Prevention based on real data
Continuous temperature monitoring via Thermochip allows early detection of infection or heat stress—earlier than visual observation. Faster response reduces the risk of complications, increases survival rates, and lowers culling numbers.
- Technology that supports breeder decisions
The Stado.pl application provides a complete health history for each cow, breeding event reminders, and full documentation compliant with ARiMR and IRZ. This makes it easier to make decisions, control cycles, and respond to deviations.
- A policy designed for real dairy farming conditions
The program covers risks most commonly encountered on dairy farms—both diseases leading to death and random events. It offers broad coverage, no deductible, and simple claim settlements.
- Strength through collective organization
The program is available exclusively to breeders affiliated with cooperatives of the Polish Chamber of Milk. Thanks to scale, more favorable rates were achieved than would be possible individually.
The full presentation includes: scope of coverage, cost model, cow valuation tables, and a description of the Thermochip + Stado.pl technology.
“Combining temperature monitoring with insurance has truly changed the quality of my work. We detect problems earlier, and serious incidents occur less often. This is the first program that genuinely supports breeders instead of only reacting after the fact.”
Real benefits for the farm
Milk production can drop significantly during heat stress. Thermochips signal this problem earlier, helping to limit losses.
On average, infections are detected this much earlier thanks to continuous temperature monitoring. One day makes a difference—shorter treatment, lower risk of complications, and fewer culls.
In many farms, preventing a single loss is enough to offset the cost of annual protection, significantly reducing losses and stabilizing production results.
Who we build insurance with
We deliver our projects in cooperation with leaders of the financial and agricultural sectors. Together, we are building an insurance system that responds to the real needs of animal owners.
Want to learn more details?
Contact us—we will recommend a solution tailored to your farm.