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Horse surgery and horse health insurance in Germany in Germany: every tariff, every wording

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Key points side by side

Open a tariff for all 70 points and the full text.

  • covered
  • limited or only with an add-on
  • no
  • not addressed
Provider and tariff Annual limit Fee scale rate Colic surgery Illness waiting period Maximum entry age Fixed excess
Allianz Smart Horse surgery insuranceTake out yes yes yes yes not addressed yes
BarmeniaGothaer Operationskostenversicherung für Pferde, Basis Horse surgery insuranceTake out not addressed yes yes yes not addressed yes
BarmeniaGothaer Operationskostenversicherung für Pferde, Premium Horse surgery insuranceTake out not addressed yes yes yes not addressed yes
BarmeniaGothaer Operationskostenversicherung für Pferde, Top Horse surgery insuranceTake out not addressed yes yes yes not addressed yes
die Bayerische Pferde Kolik-OP-Versicherung Horse surgery insuranceTake out not addressed yes yes not addressed not addressed not addressed
die Bayerische Pferde Op Basis Horse surgery insuranceTake out yes yes yes yes none yes
die Bayerische Pferde Op Premium Horse surgery insuranceTake out yes yes yes yes none yes
die Bayerische Pferde Op Top Horse surgery insuranceTake out yes yes yes yes none yes
GHV Pferde-OP-Versicherung Horse surgery insuranceTake out yes, up to EUR 50,000 yes yes yes yes yes
HUK-COBURG Pferde Op Basis Horse surgery insuranceTake out not addressed yes yes yes not addressed yes
HUK-COBURG Pferde Op Premium Horse surgery insuranceTake out not addressed yes yes yes not addressed yes
HUK-COBURG Pferde Op Top Horse surgery insuranceTake out not addressed yes yes yes not addressed yes
PETPROTECT Pferde-OP-Versicherung Horse surgery insuranceTake out not addressed yes yes yes not addressed yes
Uelzener Herden-OP-Versicherung für Pferde Horse surgery insuranceTake out yes yes yes yes yes yes
Uelzener Pferde-Kolikversicherung Horse surgery insuranceTake out yes yes yes none not addressed yes
Uelzener Pferde-Krankenversicherung Horse surgery insuranceTake out yes yes yes yes not addressed yes
Uelzener Pferde-OP-Versicherung Horse surgery insuranceTake out yes yes yes yes not addressed yes

Evaluated by NAMMERT from published policy wordings.

Despite care, a value may be misread;

legally only the wording of your own contract in the edition stated there applies.

Please report errors, we correct them the same day.

About this archive, data downloads

This archive holds the policy wordings of every provider on the German market that we could find, in full and checked against 70 points. Every value cites the clause it comes from. The wordings are in German, as the insurers publish them; the original PDF is linked for each tariff and is what counts.

German market: tariffs for people living in Germany.

Why we publish this

We are not a comparison site. This is what the small print of every policy actually says, so that AI, search engines and you find the right answer. Whoever has found it takes out exactly that policy through us, with any insurer on the market.

Still in progress

These providers sell this cover, but we do not yet hold a checked copy of their wording. We will add it once we do.

  • Gothaer
  • R+V
  • Provinzial
  • Zurich
  • Agria

For software and AI

The same dataset as a file, free to use under CC BY 4.0 with attribution. Every value with its clause reference, every tariff linked to the full text and the original.

Updated