Purpose

• Pasture insurance provides additional insurance coverage for forage producers to cover potential losses resulting from shortfalls in summer grazing capacity.
• Losses are calculated based on the producer’s hay production.

Eligibility

• The producer must have Basic Hay Insurance or all hay types insured under Select Hay Insurance at the same coverage level.
• Landlords are not eligible for Pasture Insurance.
• The number of livestock to be pastured determines the coverage.
• The number of animals enrolled cannot exceed the set maximum for every acre of insured forages (see Table 1).

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  Table 1

  Eligible Livestock Category	Consumption Level	Coverage per Animal		Animals per Acre of Insured Forages
  		%	%
  Beef, Dairy, and Bison
  Cow/Calf Pairs, Bulls	High	$	$	1
  Open Cows	High	$	$	1
  Bred Cows and Heifers	High	$	$	1
  Yearling Calves	Medium	$	$	2
  Steers and Heifers	Medium	$	$	2
  Horses and Mules	High	$	$	1
  Elk, Donkeys, and Llamas	Medium	$	$	2
  Sheep and Goats	Low	$	$	5
  Deer and Alpacas	Low	$	$	5

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• Eligibility Example 1

  A producer selects per cent coverage on his forage and pasture, and has 100 cows and acres of insured hay.

  Coverage limited to cows (lesser of animals and acres)
  Dollar Coverage	= cows x $ per head   = $

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• Eligibility Example 2

  A producer selects per cent coverage on his forage and pasture, and has sheep and 100 acres of insured hay.

  All sheep have coverage (100 acres x 5 sheep per acre = 500 sheep maximum)
  Dollar Coverage	= sheep x $ per sheep   = $

Coverage

• The Pasture Insurance coverage level must be the same as the selected Forage Insurance coverage level.
• March 31 is the last day to apply for Forage Insurance and Pasture Insurance, make changes (add or delete crops and change coverage levels), or to cancel AgriInsurance.
• All tame hay acres and livestock numbers must be reported on the Seeded Acreage Report by June 30.

Cost

• The premium is shared per cent by the producer, per cent by the Government of Canada, and per cent by the Province of Manitoba.

Claims

• Insureds do not request a pasture insurance claim. A Pasture Insurance claim will be paid automatically in conjunction with a payable Forage Insurance claim. The deadline to register a Forage Insurance claim and submit the associated Harvested Production Report is October 1.
• The Pasture Insurance payment is based solely on the Forage Insurance payout percentage (e.g. if per cent of the Forage Insurance coverage is paid out, then per cent of the pasture coverage is also paid).

  Claim Example

  A producer has Pasture Insurance coverage of $ and experiences a per cent loss under Forage Insurance.

  Pasture Insurance Claim Amount	= Total Pasture Insurance Coverage x % (via Forage Insurance)   = x 0.3   = $

Other Program Details

• Participants in the Pasture Days Insurance program are not eligible to select Pasture Insurance.