It’s simple. No veterinary bills, no long-term treatments. You won't get paid if your cow gets sick, but recovers. You won’t get paid for milk production lost after a vet visit or a chronic illness, even if the bill runs high. We focus money on the worst-case scenario so you’re not left stuck with the costs of a dead cow.

Caring for Cattle During Transport

Still, prevention matters. We expect you to take proper care of your animals. Overcrowded trailers, poor breathing conditions, and no water breaks, all these can lead to stress or death. We look out for proper animal care during transport. If transport conditions directly contribute to a death, and there’s neglect, your coverage could be affected.

To stay ahead, make sure trailers are clean, well-ventilated, and in good repair. Plan routes to include stops for hydration and rest.; check weather updates. Are thunderstorms expected? Move early or late to avoid severe conditions. These practices reduce stress and help ensure healthy arrivals.

Environmental Changes and Weather Volatility

Sandia sees it all: scorching summers, icy winters, fast-moving storms. These elements can quickly harm dairy cattle: heat stress, cold shock, lightning strikes, and even flash floods in low spots. Our mortality insurance covers a cow that dies under conditions like these.

That’s why we emphasize environmental awareness. Know the forecast. Have shade structures, windbreaks, and drainage around barns. Train workers for lightning safety, fire response, and cattle evacuation. These proactive steps show we’re all in to protect your cattle.

Why Mortality Insurance Matters

It’s easy to shrug off death coverage, but imagine losing a cow that cost you $1,500 to buy, plus feed, vet care, and time, only to be told you’ll get nothing else. Your investment walks right out the door.

Mortality insurance closes that gap. It helps you recover part of the value you invested in the animal. You can buy a replacement, cover other herd needs, and maintain productivity. Without it, a single unexpected loss can create a financial domino effect.

Custom Coverage for Unique Dairies

Every dairy in Sandia is unique. Maybe yours is a small family-run homestead with ten cows, or a mid-sized operation sending calves to Amarillo markets. Either way, your policy is built to fit.

We assess your herd size, values, and routines. If you’re shipping cattle to a sale barn or vet clinic, we can tailor for dead-in-transit situations. If your barns flood when creeks rise, we ensure flood-related deaths are covered. Our agents walk through your ranch practices and cattle habits to match coverage to real-world activities.

A Century of Trust and Reliability

Since 1972, National Livestock Insurance has built an expertise rooted in real ranch life. Our policies are underwritten by The Hartford, rated A+ by A.M. Best, a strong, dependable partner. That means if you have a claim, we have the support to pay quickly and fairly.

This isn't a nameless policy. You get honest, local support from agents who know Sandia weather, Texas Panhandle terrain, and the emotional and financial stakes of losing a cow. We don’t just sell insurance, we help you manage herd risks so you can run a smoother dairy operation.

When to File a Claim and What Happens

Say disaster strikes. A summer hailstorm hits, and one of your cows is found dead in the pasture. Here’s what happens:

1. You call us as soon as you discover the loss.
   
   
2. You let the herd rest undisturbed for the reinspect. Photo documentation helps.
   
   
3. You send a vet or field statement confirming the death and cause.
   
   
4. We review everything swiftly, and if it’s within coverage, we issue payment.
   
   

Our goal is to get money in your hands fast, so you can replace the cow, buy feed, or cover operating expenses without missing a beat.

Not a Replacement for Vet Care or Productivity

Our focus is clear: death coverage. We don’t reimburse vet visits, feed supplements, fertility treatments, or increased costs after illness. For that, you’ll need a vet relationship and good sick cow management.

In Sandia, keeping cattle healthy and productive means paying attention to temperature swings, nutrition, and grooming. Our insurance steps in when something goes wrong and an animal dies, let us handle the final blow.

Is Crop or Revenue Protection Enough?

Some dairies use USDA programs like Livestock Gross Margin (LGM) or Dairy Revenue Protection (DRP) to manage milk price risk. Those tools help with income and margin stability. But they don’t replace dead cattle .

Our Dairy Cattle Mortality Insurance fills that gap. It addresses the cost of the dead animal, not lost revenue. These strategies work better together when you want true business resilience.

Filling the Financial Hole

Dairying around Sandia, Texas, isn’t easy. You work in a tough climate, deal with seasonal weather extremes, and haul cattle as part of daily life. Losing a cow isn’t just a heartache, it’s a financial hole.

National Livestock Insurance has been in the barn with you since 1972. Our Dairy Cattle Mortality Insurance is straightforward: we reimburse you for dead cattle due to covered risks. No vet bills, no interim losses, just reliable coverage when the cow isn’t around anymore.

With local knowledge, decades of experience, and the financial backing of The Hartford, you gain a partner you can trust. Let us handle that final payoff, so you can focus on raising healthy, productive cattle today, tomorrow, and beyond.

Contact National Livestock Insurance in Amarillo, Texas, today to get started. Keep your cattle and your dairy covered, so you can keep building your future, even when the unexpected hits.