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APA Insurance

Livestock Cover

Livestock cover

What is this?

It pays out if an insured animal dies of disease or accident. A vet certifies what each animal is worth.

What a year costs, and what it buys

A year costs you
KES 5,000
  • · This is cover you renew each year. Nothing builds up and nothing comes back.
  • · What you actually pay depends on your own details.
  • · Worked out from the company's own published figures.

The details that matter for this kind of plan

What it coversDeath from uncontrollable disease or accident. Cattle from 8 weeks to 8 years, sheep and goats from 60 days to 5 years
What it costsnot disclosed
Can be addedTreatment costs, third party claims, theft, and recovery of a strayed animal
How the animal is valuedAgreed with you and certified by a qualified vet

What does it cost you?

APA Insurance does not publish what it charges. We looked for one charge and found no figure for any of them:

  • · The poultry minimum is the only figure on the page. No rate is published for any animal.

What if you stop paying?

The cover stops at the end of the year you paid for. Nothing comes back.

What if you need the money early?

There is nothing to take out. This is cover, not savings.

Who this suits

It could work for you if

You keep cattle, shoats or poultry and want the market leader's cover.

Think twice if

You want to compare prices. Old Mutual publishes its rate; this page publishes one minimum, for poultry.

How openly does this company explain its charges?

DHides more than it shows4 of 8 answered
  • What do they charge you every year?
    This kind of charge does not exist on this product.
  • What is taken off the money you pay in?
    This kind of charge does not exist on this product.
  • What does it cost to get out early?
    There is nothing to cash out, so there is no exit charge.
  • What is the smallest amount you can start with?
    KES 5,000.
  • How long is your money tied up?
    Not applicable to this kind of product.
  • Is the advertised return before or after their charges?
    This kind of product does not advertise a return.
  • Do they warn you the return is not guaranteed?
    This kind of product does not advertise a return.
  • Do they tell you what you get back if you stop early?
    You get whatever your money is worth on the day. There is no schedule.
  • Do they list what is not covered?
    No list of exclusions appears in the sources we checked.
  • Are all their charges published?
    No. 1 charge is mentioned without a figure.
  • Do they say who regulates them?
    They do not say who supervises them.

This grades how openly things are explained, not whether the plan is good or bad. See how we work it out.

Things to know before you sign

  • · Poultry cover runs from day-old chicks: broilers to 8 weeks, layers to about 18 months, with a KES 5,000 minimum premium.
  • · Theft is an extension, not standard.
  • · APA is supervised by the IRA, though this page does not say so.

Talk to them

Compared with the others

There is 1 other plan of this kind on the board. See all 2 side by side — what each one leaves you with, and which of them will not say.

Where we got this