While I have never purchased an animal sight unseen, I know that in the horse industry it is not unusual for a foal to be sold long before it has been weaned. Sometimes foals are sold before they are born.
While I am suspect of the seller's demand for insurance, in these days of crazy lawsuits, the seller is probably just trying to protect themselves.
The question that needs to be answered regarding this particular seller is what kind of reputation does the seller have? What kind of place does he have? You might ask the seller his reasons for requiring insurance.
There would be other questions, too. Such as, how would any medical issues be handled and the related cost. Lots to think about in this kind of purchase. But buying anything, whether livestock or material items, can be a gamble.
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Today's Featured Article - On the Road with Dave Gohl: Deere Departed Friend - by Dave Gohl. Have you ever had to part with a dear friend? It's not easy. If it's due to death, your feelings could be in disarray for days, months or even years. Even now after almost 4 years, I still miss my dad. I remember when I was a kid my dad sometimes would tuck my brother and I in at night and we would ask him questions about his childhood on the farm. To this day, it's some of the best stories I've ever heard. And now, I'm so glad that I asked those questions, and if I were a little smarter i
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