Influence of mastitis and repeat breeding incidence on participation in the animal insurance program for dairy farmers in Ba Vi, Hanoi, Vietnam

ISSN 2588-1299  
VJAS 2019; 2(4): 461-468  
Vietnam Journal  
of Agricultural  
Sciences  
Influence of Mastitis and Repeat Breeding  
Incidence on Participation in the Animal  
Insurance Program for Dairy Farmers in  
Ba Vi, Hanoi, Vietnam  
Kentaro Koide1, Ryo Murata1, Au Xuan Khoa2, Nguyen Khanh  
Ly2, Phan Thi Tam2, Vu Thi Thu Tra3, Duong Van Nhiem3,  
Satoko Kubota4, Hiroichi Kono4 & Kohei Makita1  
1 School of Veterinary Medicine, Rakuno Gakuen University, Bunkyodai Midorimachi,  
Ebetsu, Hokkaido, 069-8501, Japan  
2 National Center for Veterinary Diagnosis, Hanoi, Vietnam  
3 Faculty of Veterinary Medicine, Vietnam National University of Agriculture, Hanoi  
131000, Vietnam  
4 Obihiro University of Agriculture and Veterinary Medicine, Inada-cho, Obihiro, Hokaido,  
080-8555, Japan  
Abstract  
The livestock insurance program for dairy farmers in Vietnam  
targeting various acute diseases began in 2011 as a pilot project;  
however, due to vaccination campaigns, outbreaks of such diseases  
are rare. The objective of this study was to investigate the effects of  
mastitis and reproductive failure-which chronically affect the  
farming economy-on the decision to participate in the insurance  
program. A survey involving a questionnaire and milk sampling from  
apparently healthy animals was conducted on the 38 participating and  
59 non-participating dairy farms in the livestock insurance program  
in Ba Vi, Hanoi, Vietnam, in August 2014. Microbiological tests  
were performed to detect sub-clinical mastitis, whereas the  
questionnaire was administered to collect information regarding farm  
management and the occurrence of clinical mastitis and reproductive  
failure over the previous three months. There were no significant  
differences in the proportion of farms having cows with clinical  
mastitis (insured: 8/38 farms, 21.1% vs. non-insured: 13/58 farms,  
NA = 1, 22.8%, p = 1) and repeat breeders (insured: 16/36 farms, NA  
= 2, 44.4% vs. non-insured: 20/57 farms, NA = 2, 35.1%, p = 0.49)  
over the previous three months. The proportion of farms having cows  
with sub-clinical mastitis at the time of the survey was also not  
significantly different between insured (5/38 farms, 13.2%) and non-  
insured (7/59 farms, 11.91%) farms (p = 1). Based on the obtained  
results, neither endemic disease nor farm management is respectably  
involved in the decision of farms to participate in the animal  
insurance program targeting acute animal infectious diseases.  
Received: June 17, 2019  
Accepted: December 15, 2019  
Correspondence to  
Keywords  
ORCID  
Kohei Makita  
0246  
Animal insurance, decision, bovine mastitis, repeat breeding,  
Vietnam  
461  
Influence of Mastitis and Repeat Breeding Incidence on Participation in the Animal Insurance Program  
the insurance program for participating farmers  
Introduction  
Milk production has drastically increased  
(Kadowaki et al., 2016). Crop and livestock  
insurance was first introduced in Vietnam  
between 1985 and 1987 (phase 1), without  
government support. However, except for crude  
rubber insurance, phase 1 was withdrawn in 1987  
due to problems associated with moral hazards  
and conflicts regarding pay-out value (Kono et al.,  
2017). By order of the Vietnamese prime minister,  
dairy insurance premiums were implemented in  
2011 within the phase 2 pilot program for three  
years, covering rice plants, livestock (buffaloes,  
cows, pigs, and chickens), and aquatic products  
(catfish, tiger prawns, and white-leg shrimp)  
(Kono et al., 2017). Under the pilot program  
involving commercial insurance companies, the  
state-subsidized 100% of the insurance premiums  
for poor farming households and individuals,  
initially 80% and later 90% for near-poor, 60% for  
the remaining, and 20% for relevant farming  
organizations (Duc, 2017). Three causes of death  
were covered by the dairy insurance: FMD,  
anthrax, and Pasteurella infection, but no  
treatment costs were covered for endemic and  
non-infectious production diseases. Vaccination  
campaigns against FMD, anthrax, and Pasteurella  
infection are being implemented in dairy  
production areas of Vietnam (personal  
communication with local veterinary officers),  
and animal deaths due to these diseases appear to  
be rare. The Ba Vi district of Hanoi is an important  
dairy production area in Vietnam and  
characterized by advanced dairy technology. As  
of October 2013, 260 farms in Ba Vi were  
participating in the insurance program (Kono et  
al., 2017). The phase 2 pilot insurance program  
was successful, with a high proportion (76.8%) of  
poor households in the target area participating.  
However, the program also had several  
weaknesses, including a lack of testing and  
certification facilities for diseases, resulting in  
limited compensation or farmers receiving  
inconsistent damage assessments (Duc, 2017).  
The government, therefore, considered instituting  
a public-private partnership (Duc, 2017) covering  
90% of insurance premiums for poor and near-  
poor farming households and 20% for remaining  
households (Viet Nam News, 2018).  
over the last four decades, particularly in  
Southeast Asia, including Vietnam (Food &  
Agricultural Organization, 2013). This growth  
has been attributed to an increase in the domestic  
demand for dairy products and the government-  
led importation of highly productive dairy  
animals for breeding purposes (Garcia et al.,  
2006). A comparison with the average milk yield  
in 1997 indicated that due to genetic  
improvements in the lactating ability of  
Vietnamese dairy cows, one Vietnamese cow  
produces as much milk as four dairy cows in  
India, the second-largest milk-producing country  
in the world. Proper nutritional management is  
necessary for high milk-producing cows because  
of their sensitive energy balance (Grant &  
Albright, 1995). The risk factors for diseases in  
dairy cows are interconnected (LeBlanc et al.,  
2006), and rapid changes in dairy productivity  
are assumed to have increased the incidence of  
various diseases, including sub-clinical forms of  
mastitis, ketosis, rumen acidosis, and  
endometritis.  
In addition to the increased production and  
consumption of livestock products in Southeast  
Asia, rapid economic growth has been  
accompanied by increased risks of infectious  
disease epidemics such as foot-and-mouth  
disease (FMD) (Vu et al., 2017) and avian  
influenza (Poolkhet et al., 2018), primarily due  
to increases in the frequency and quantity of  
trade and travel. As the majority of livestock  
producers in Southeast Asia are small scale, the  
economic impact of such outbreaks is immense.  
One method of dealing with the risk of  
disease outbreaks is insurance. In Japan,  
agricultural insurance for dairy farms is  
subsidized 50% by the government and covers not  
only the death of animals but also treatment costs  
(Japanese Ministry of Agriculture Forestry &  
Fisheries, 2010). Moreover, under the Act on  
Domestic Animal Infectious Diseases Control, the  
Japanese government compensates farmers for  
80% of the value of animals culled due to several  
important infectious diseases, such as FMD, and  
the remaining 20% of the value is compensated by  
Vietnam Journal of Agricultural Sciences  
462  
Kentaro Koide et al. (2019)  
Mastitis has been described as the most  
expensive disease affecting dairy farms  
worldwide; however, the chronic nature of this  
disease can lead farmers to ignore and/or  
underestimate the financial effects of decreased  
milk production and increased culling (Hogeveen  
et al., 2011). Mastitis is caused by a wide variety  
of pathogenic bacteria. Microorganisms causing  
mastitis are classified as either contagious or  
environmental pathogens, depending on the  
vector of transmission. The major contagious  
pathogens are Staphylococcus aureus and  
Streptococcus agalactiae, S. aureus is reportedly  
the most problematic udder pathogen in bovine  
mastitis in many parts of the world (Roberson et  
al., 1994). In southern Vietnam, mastitis is  
commonly caused by S. agalactiae, a contagious  
organism associated with sub-clinical mastitis  
(Keefe, 1997; Östensson et al., 2013). In Ba Vi, a  
25% prevalence of sub-clinical mastitis was  
reported (Suzuki et al., 2006), but much higher  
prevalences (63.2% at quarter, and 88.6% at cow  
levels) were reported in southern Vietnam  
(Lam, 2011).  
decision-making process regarding participation in  
the phase 2 dairy insurance scheme among dairy  
farmers in a dairy-production area of Vietnam.  
Materials and Methods  
Study site  
This study was conducted in two communes,  
Yen Bai and Van Hoa, located in Ba Vi, Hanoi  
(Figure 1). This area, located in northern  
Vietnam, has a humid tropical climate,  
characterized by monsoons. Summers (May to  
July) are very hot, with an average temperature  
over 27°C, whereas winters (November to  
January) are cold and relatively dry (Garcia et al.,  
2006). This survey was carried out in August  
2014. The average precipitation in August is the  
highest of the entire year, at over 300 mm.  
Precipitation in winter is low, but these  
communes are at or near a lake, and extensive  
irrigation and pumping systems have been  
established (Garcia et al., 2006).  
Sampling and questionnaire survey  
Sample size was calculated for a comparison  
of two proportions, with the confidence level set at  
95% and the power set at 80% (Equation 1), in  
order to primarily compare the prevalence of sub-  
clinical mastitis at the animal level between insured  
and non-insured farms (Dohoo et al., 2014). In  
equation 1, 푍훼 is a multiplier for type I errors, alpha  
= 0.05, 1.96; 푍훽 is a multiplier for type II errors =  
0.2; p is the expected prevalence, 0.25 (Suzuki et  
al., 2006); q is the expected prevalence  
complement, 0.75; p1 is the expected prevalence at  
insured farms, 0.35; and p2 is the expected  
prevalence at non-insured farms, 0.15, assuming a  
20% difference in the prevalence of sub-clinical  
mastitis. The sample size was adjusted for a  
clustering effect assuming an intra-class correlation  
Repeat breeders are cows that have failed to  
conceive after three or more services. Repeat  
breeders are characterized by a normal estrus  
cycle length, no abnormalities in vaginal  
discharge, and no palpable abnormalities in the  
reproductive tract (Bartlett et al., 1986;  
Gustafsson & Emanuelson, 2002). A repeat  
breeder cow appears to be normal, and it is,  
therefore, difficult to diagnose the cause of the  
failure to conceive. Repeat breeding results in a  
delay in starting lactation and fewer calves per  
cow; therefore, total farm milk yield is also  
reduced, causing substantial economic losses to  
farmers. A study involving Holstein and Lai Sind  
crossbred cattle in Ho Chi Minh city found that  
reproductive performance was satisfactory in  
heifers but poor for cows due to declining body  
condition scores during the first months of  
lactation and at insemination (Nguyen-Kien et  
al., 2017), suggesting the potential for  
improvement in feed management.  
coefficient of 0.1 (Dohoo et al., 2014).  
2
(푍 2푝푞−푍 푝 푞 +푝 푞 )  
√
√
훼
훽
1
1
2 2  
(Equation 1)  
2
(
)
푝 −푝  
1 2  
The sample size was calculated at 73;  
however, 95 farms were involved in the study.  
The sample size was proportionally allocated  
between Yen Bai and Van Hoa communes to  
reflect the total number of insured dairy farmers  
This study aimed to determine whether the  
occurrence of chronic and expensive diseases such  
as mastitis and repeat breeding affected the  
463  
Influence of Mastitis and Repeat Breeding Incidence on Participation in the Animal Insurance Program  
Figure 1. Study areas: (A) a map of Vietnam indicating the location of Hanoi,  
and (B) the locations of Van Hoa and Yen Bai communes in Hanoi  
in each commune reported to the commune  
offices. These numbers were accessed based on  
availability from the field.  
(Reinemann, 2007). The average score of the  
three parts for all cattle was recorded as the  
farm’s hygiene score. Farmers were also asked to  
rate their level of awareness regarding diseases  
common in cows, including mastitis and repeat  
breeding, using a Likert scale, with 0 indicating  
no problem and 5 indicating a significant  
problem.  
Milk samples were collected from lactating  
dairy cows exhibiting no obvious clinical  
symptoms of mastitis and no visible changes in  
milk composition. Samples were taken from 60%  
of the delivered cows at all of the studied farms.  
The first few streams were discarded. Samples  
from each of the four quarters were collected into  
the same bottle and defined as a single milk  
sample for this study.  
Informed consent was obtained from all the  
farmers participating in this study at the time the  
interview was performed. This study did not  
involve invasive treatments in animals or  
collection of personal information through  
interviews. All interviewing and sampling  
procedures adopted in this study were approved  
by the ethics committee of Rakuno Gakuen  
University, Japan (approval number: 16-8).  
At each visit, an interview with the  
questionnaire was administered to obtain  
information regarding dairy management and  
hygiene awareness as well as cattle health  
outcomes. Occurrences of mastitis and repeat  
breeding within the previous three months were  
queried for each individual cow. The degree of  
each farm’s sanitation was graded on a scale of  
1-4 (1: cleanest to 4: dirtiest) for three parts of  
each cow: legs, udder, and flank and upper leg  
Laboratory examinations  
Causal organisms of sub-clinical mastitis  
were isolated from the collected milk samples.  
Microbial species isolated included coagulase-  
Vietnam Journal of Agricultural Sciences  
464  
Kentaro Koide et al. (2019)  
positive staphylococci (CPS) other than  
S. aureus, S. agalactiae, Escherichia coli, and  
Klebsiella spp. Cows were categorized as having  
sub-clinical mastitis if they presented no  
apparent symptoms but their milk samples were  
positive for bacterial growth. Milk samples were  
streaked on sheep blood agar plates, which  
support the growth of various types of bacteria.  
The plates were incubated at 37°C overnight.  
Three major bacterial colonies on each agar plate  
were selected and sub-cultured on blood agar  
plates. Biochemical tests were used for species  
identification, including the hemolysis, CAMP,  
catalase, and tube coagulase tests. Bacterial  
isolates that produced no hemolysis were  
subjected to biochemical testing for confirmation  
as E. coli or Klebsiella spp. Staphylococcus hyicus  
produces no hemolysis on blood agar, but  
S. aureus, S. intermedius, and S. agalactiae  
exhibit β-hemolysis. Therefore, these bacteria  
were classified based on the catalase test, which  
is primarily used to distinguish gram-positive  
bacteria. The results obtained with the catalase  
and coagulase tests were confirmed by PCR for  
S. aureus species-specific genes using the  
forward primer 5'-GCG ATT GAT GGT GAT  
ACG GTT-3' and the reverse primer 5’-AGC  
CAA GCC TTG ACG AAC TAA AGC-3’  
(Sasaki et al., 2010).  
Results  
Farm characteristics  
All of the farms in the study were small scale  
(1 to 22 cows per farm), and 88.7% (86/97) of the  
farms had less than 10 cows. Table 1 shows the  
number of farms, milk samples, and mean herd  
sizes of the insured and non-insured farms. All  
cattle were housed on concrete surfaces. Cattle  
were fed raw grass and purchased concentrate at  
both insured and non-insured farms. There were  
no significant differences between insured and  
non-insured farms in any of the characteristics  
examined (Figure 2).  
Cumulative incidence of clinical mastitis and  
prevalence of sub-clinical mastitis  
In the questionnaire survey, factors related to  
mastitis were investigated using data from 95  
farms, as two farms did not provide information  
regarding the incidence of mastitis in the  
interviews. The three-month cumulative  
incidence of clinical mastitis, calculated from the  
questionnaire survey results, was 22.1% (21/95)  
at the farm level. In addition, at the individual  
level, the incidence was 8.4% (29/344, health  
information regarding clinical mastitis was not  
obtained for 85 cows).  
In the laboratory analyses, the prevalence of  
sub-clinical mastitis was 11.1% (17/153) at the  
individual level, and the prevalence at the farm  
level was 12.4% (12/97). Two samples had  
mixed infections involving S. agalactiae and  
S. aureus, and of the 19 isolates, these bacteria  
accounted for 57.9% (11 isolates) and 21.1% (4  
isolates), respectively. There were three CPS  
isolates other than S. aureus, and these  
Statistical analysis  
Data were digitized in a Microsoft  
Access® Database and analyzed using R  
statistical software (R×64, version 3.0.3) for  
Windows®.  
The  
association  
between  
insurance subscription and the aforementioned  
disease occurrence/ management practices was  
analyzed at the farm level. A farm was denoted  
as positive for mastitis/repeat breeding if at  
least one animal with the problem was reported  
or diagnosed by microbiological testing. These  
occurrences (0 = negative and 1 = positive)  
were used as response variables, and the other  
data collected in the questionnaire were used as  
explanatory variables. Each variable was  
analyzed using the Wilcoxon rank-sum, chi-  
square, or Fisher’s exact test, depending on the  
data structure.  
contagious  
mastitis-causing  
bacteria  
(S. agalactiae and CPS) accounted for 94.7%  
(18/19). One Klebsiella isolate causing  
environmental mastitis was detected; however,  
E. coli was not detected. Sub-clinical mastitis  
was found at 12 farms; thereby, both clinical  
mastitis and sub-clinical mastitis were identified  
in cattle at one farm.  
Clinical and/or sub-clinical mastitic cattle were  
present on 33.0% (95% CI: 24.0-43.4, 32/97) of the  
farms, based on the questionnaire survey and  
465  
Influence of Mastitis and Repeat Breeding Incidence on Participation in the Animal Insurance Program  
laboratory examination results. The proportion of  
farms with mastitic cattle was not significantly  
different between insured (34.2%, 13/38) and non-  
insured farms (32.2%, 19/59, p = 1). There was  
also no significant difference in terms of the  
incidence rates of clinical and/or sub-clinical  
mastitis between insured (29.3%, 17/58) and non-  
insured farms (22.1%, 21/95, x2 = 0.6527, p = 0.42).  
Table 1. Farm size and number of milk samples  
Farms in  
Yen Bai  
Farms in  
Van Hoa  
Mean herd size  
Milk samples  
(sampling fraction)  
Insurance  
Adult cows  
(range)  
l
16  
33  
49  
22  
26  
48  
5.4 (2-22)  
5.9 (1-13)  
5.7 (1-22)  
153  
239  
392  
58 (37.9%)  
95 (39.7%)  
153 (39.0%)  
Non-insured  
Total  
Figure 2. Statistical analysis results  
Vietnam Journal of Agricultural Sciences  
466  
Kentaro Koide et al. (2019)  
The average scores regarding farmers’  
awareness of mastitis were not significantly  
different between insured (3.22, 95% CI: 3.0-4.5)  
and non-insured farms (2.88, 95% CI: 2.75-4.00, p  
= 0.36). For the treatment of mastitis, 77% (64/83)  
of farmers called a veterinarian, whereas 23%  
(19/83) of farmers called other staff or treated the  
disease themselves. There was no significant  
difference between insured and non-insured farms  
in terms of factors relating to mastitis.  
greater than 0.30, but the p-value associated with  
the milking method was relatively lower (p =  
0.16), and farms with milking machines tended  
not to participate in the insurance program.  
Milking by machine is a sign of intensive dairy  
farming, and economically developed farmers  
may evaluate the significance of the program  
carefully. Another study carried out during the  
same period but with different farmers (Kono et  
al., 2017) showed that a farmer’s decision to  
purchase animal insurance was affected by the  
absence of a trustworthy person nearby and a low  
rate of time discounting. Such sociological  
factors seemed to be more significant  
determinants of insurance participation by dairy  
farmers than disease burden.  
Incidence and farmers’ awareness of repeat  
breeding  
Ninety-three farmers answered the questions  
relating to reproductive difficulties, and the  
results indicated that repeat breeding occurred at  
38.7% (36/93) of the studied farms. The  
proportion of farms with these reproduction-  
related problems did not differ between insured  
(44.4%, 16/36) and non-insured farms (35.1%,  
20/57, x2 = 0.47, df = 1, p = 0.49). In addition,  
the average score of awareness of repeat breeding  
was not significantly different between insured  
(3.2, 95% CI: 2.5-4.5) and non-insured farms  
(2.8, 95% CI: 2.50-3.75, p = 0.35). Artificial  
insemination was used at all the farms.  
Conclusions  
This study found that the incidence of two  
important production diseases, mastitis and  
repeat breeding, was not the primary determining  
factor for the decision to participate in the animal  
insurance program in Ba Vi, Vietnam. The risk  
factors for mastitis and repeat breeding in  
Vietnam will be published elsewhere.  
Acknowledgements  
Discussion  
This study was supported by KAKENHI  
Grant Number 25304035, from the Ministry of  
Education, Culture, Sports, Science, and  
Technology of Japan.  
The main purpose of this study was to test  
the hypothesis that Vietnamese dairy farmers  
were motivated to participate in an animal  
insurance program due to experience with  
chronic production diseases, even though the  
program targeted acute infectious diseases. For  
that reason, two economically important  
diseases, mastitis and repeat breeding, were  
examined.  
Conflicts of Interest  
The authors declare no conflicts of interest.  
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Farmer’s Behavior in Vietnam. Asian Journal of  
Agricultural Extension, Economics and Sociology. 16:  
1-12.  
LeBlanc S. J., Lissemore K. D., Kelton D. F., Duffield T.  
Vietnam Journal of Agricultural Sciences  
468  
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