Insurance broker / Horse surgery and horse health insurance in Germany / Policy wording archive
GHV Pferde-OP-Versicherung: the policy wording in full
Pferde-Krankenversicherung mit OP-Schutz der Stufe Premium mit 50.000 Euro Jahreshöchstleistung, Erstattung bis zum 2fachen GOT-Satz und im Notfall bis zum 4fachen, Vorsorgebudget und Aufnahme bis zum 16. Geburtstag.
German market: tariffs for people living in Germany.
Done in two minutes: your details are enough, we take care of the rest.
- Free for you, same price as going direct
- 4.98 out of 5 stars from 5,042 reviews
- On your side when you claim
Take out this policy through NAMMERT
You have already worked out with your AI what fits you.
All we need now are your details and a few answers.
We prepare your application with GHV.
- AI has advised
- 2Your details
- Application to GHV
Thank you, we have your application.
We prepare it with GHV and get back to you with the documents.
Everything about this policy
What the policy covers: 70 points, each with its clause
Quotes are shortened. The full German wording of each point is on the German page for GHV Pferde-OP-Versicherung.
Basics and reimbursement
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Plan type: horse surgery only, colic surgery only or full horse health cover (surgery and treatment) | yes | „Pferde-Krankenversicherung 2025 - inklusive OP-Schutz“ | Leistungsübersicht, page 1 |
| Animals insured (horses, ponies, donkeys, mules and other equines) and link to one identified animal | not addressed | ||
| Annual maximum (reimbursement limit per policy year) | yes, up to EUR 50,000 | „Höchstleistung für alle versicherten Operationen und Heilbehandlungen; je …“ | Leistungsübersicht, page 1 |
| Maximum per operation, per surgery day or per case | not addressed | ||
| Reimbursement up to which multiple of the veterinary fee scale (GOT in Germany; the applicable fee schedule in Austria and Spain) | yes | „Abrechnung der Tierarztkosten bis zum 2-fachen und in Notfällen bis zum 4-fachen Satz …“ | Leistungsübersicht, page 1 |
| Reimbursement rate as a percentage of eligible costs (for example 80 or 100 percent) | not addressed | ||
| Fixed excess in euros (per invoice, per operation or per policy year) | yes, up to the sum insured | „Selbstbeteiligung (SB); je Versicherungsjahr 250 €, 500 € oder 1.000 €“ | Leistungsübersicht, page 1 |
| Percentage excess per invoice, with any minimum or maximum amount | not addressed | ||
| Higher excess or lower reimbursement from a certain age of the horse | not addressed | ||
| Free choice of vet, specialist and equine clinic | yes | „Freie Tierarzt- und Klinikwahl“ | Leistungsübersicht, page 1 |
| Direct billing between insurer and vet or clinic | not addressed | ||
| Several horses in one policy (herd policy) and discount from the second horse | not addressed |
Eligibility, age and waiting periods
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Minimum age of the horse at inception (for example from birth or from the third month) | yes | „Aufnahmealter ab der vollendeten 9. Lebenswoche“ | Leistungsübersicht, page 1 |
| Maximum age of the horse at inception | yes | „Bis einschließlich des 16. Geburtstag“ | Leistungsübersicht, page 1 |
| End of cover or change of contract from a maximum age | none | „Der Schutz bleibt, wenn Sie möchten, ein Pferdeleben lang bestehen.“ | Leistungsübersicht, page 1 |
| Reduced benefits or depreciation for older horses (for example from 14 years) | not addressed | ||
| Vet examination, certificate or health questions on application | not addressed | ||
| Requirement for an equine passport, microchip or brand as identification | not addressed | ||
| Exclusion or loading by use (active racing, trotting and polo horses, competition, breeding, commercial use) | not addressed | ||
| General waiting period for illness and surgery due to illness | yes | „Sofortschutz bei Unfall und für versicherte Vorsorgemaßnahmen; Allgemeine Wartezeit: 1 …“ | Leistungsübersicht, page 1 |
| Waiting period for colic and abdominal surgery | yes | „Besondere Wartezeiten bei Koliken (7 Tage)“ | Leistungsübersicht, page 1 |
| Waiting period for accidents | none | „Sofortschutz bei Unfall und für versicherte Vorsorgemaßnahmen“ | Leistungsübersicht, page 1 |
| Special waiting periods for certain conditions (for example joints, tendons, navicular disease, airways) | yes | „Laborkosten (6 Monate), Gelenkoperationen bei vorliegen von isolierten Verschattungen …“ | Leistungsübersicht, page 1 |
Surgery and clinic
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Surgery costs (procedure, anaesthesia or sedation, materials) | yes, up to EUR 50,000 | „Höchstleistung für alle versicherten Operationen und Heilbehandlungen; je …“ | Leistungsübersicht, page 1 |
| What counts as surgery: general anaesthesia, standing surgery under sedation, minimally invasive procedures (arthroscopy, endoscopy, laser) | yes | „inklusive Stand- und Vollnarkose“ | Leistungsübersicht, page 1 |
| Colic surgery (abdominal surgery) | yes, up to the sum insured | „(478) Enterotomie (481) Darmresektion (483) Torsionsoperation Darm“ | Beispiele für versicherte Operationen nach GOT, page 2 |
| Conservative colic treatment without surgery, including inpatient | yes, up to the sum insured | „Besondere Wartezeiten bei Koliken (7 Tage)“ | Leistungsübersicht, page 1 |
| Fracture repair after accident (osteosynthesis) | yes, up to the sum insured | „(855) Frakturbehandlung operativ/Osteosynthese Fraktur“ | Beispiele für versicherte Operationen nach GOT, page 4 |
| Examination and diagnostics before surgery (how many days before) | not addressed | ||
| Aftercare after surgery (number of days) | yes, up to the sum insured | „Nachsorge / Nachbehandlung und verordnete Arzneimittel 15 Tage unmittelbar nach der …“ | Leistungsübersicht, page 1 |
| Inpatient stay and care in the equine clinic | yes, up to EUR 35 | „Unterbringung in der Tierklinik 35 € / Tag, unmittelbar nach der Operation bis maximal …“ | Leistungsübersicht, page 1 |
| Medication and dressings related to the surgery | yes, up to the sum insured | „Nachsorge / Nachbehandlung und verordnete Arzneimittel 15 Tage unmittelbar nach der …“ | Leistungsübersicht, page 1 |
| Castration on medical grounds, including cryptorchids | not addressed | ||
| Elective castration (contribution or flat amount) | not addressed | ||
| Foaling assistance, caesarean section and surgery related to pregnancy | yes, up to the sum insured | „(586) Kaiserschnitt“ | Beispiele für versicherte Operationen nach GOT, page 2 |
| Dental surgery (for example extraction under sedation or anaesthesia) | yes, up to the sum insured | „(952) Zahnextraktion Pferd“ | Beispiele für versicherte Operationen nach GOT, page 4 |
Pre-existing and typical equine conditions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Cover for pre-existing conditions and findings known at inception | not addressed | ||
| Cover for earlier conditions after a symptom-free period | not addressed | ||
| Congenital and hereditary conditions and developmental disorders | not addressed | ||
| Osteochondrosis (OCD), chips and Birkeland fractures, often with a separate limit per surgery day | yes, up to EUR 1,500 | „OC, OCD, Chips oder Birkelandfrakturen bis 1.500 € für den Tag des chirurgischen Eingriffs“ | Leistungsübersicht, page 3 |
| Kissing spines (impinging dorsal spinous processes) | not addressed | ||
| Tendon and ligament injuries (conservative and surgical) | yes, up to the sum insured | „(894) Sehnen- und Muskelnaht“ | Beispiele für versicherte Operationen nach GOT, page 4 |
| Hoof conditions (laminitis, navicular disease, hoof surgery) | yes, up to the sum insured | „(881) Hornsäulenoperation“ | Beispiele für versicherte Operationen nach GOT, page 4 |
| Airway surgery (for example roaring) | yes, up to the sum insured | „(913) Luftröhre, chirurgische Behandlung“ | Beispiele für versicherte Operationen nach GOT, page 4 |
| Tumour treatment (for example equine sarcoids, melanomas) | yes, up to the sum insured | „(412) Tumor-Operation“ | Beispiele für versicherte Operationen nach GOT, page 2 |
| Exclusion of cosmetic surgery and performance enhancing procedures | not addressed |
Treatment without surgery
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Outpatient treatment without surgery (examination, treatment, yard visit) | yes, up to EUR 50,000 | „Höchstleistung für alle versicherten Operationen und Heilbehandlungen; je …“ | Leistungsübersicht, page 1 |
| Medication and dressings outside surgery | not addressed | ||
| Diagnostic imaging (X-ray, ultrasound, endoscopy, scintigraphy, MRI, CT) | yes, up to EUR 2,000 | „Bildgebende Verfahren (z. B. Röntgen ) bis; 2.000 € je Versicherungsjahr“ | Leistungsübersicht, page 1 |
| Physiotherapy, osteopathy and rehabilitation | yes, up to EUR 300 | „Physiotherapie; je Versicherungsjahr 300 €“ | Leistungsübersicht, page 1 |
| Alternative medicine (homeopathy, acupuncture, animal naturopath) | yes, up to EUR 300 | „Alternative Heilmethoden; je Versicherungsjahr maximal 300 €“ | Leistungsübersicht, page 1 |
| Regenerative therapies (stem cells, PRP, IRAP) and shockwave therapy | yes, up to EUR 1,500 | „Regenerative Therapien bis je Versicherungsfall/Operation (z. B. IRAP, PRP …“ | Leistungsübersicht, page 5 |
| Remedial shoeing on veterinary prescription | not addressed | ||
| Dental treatment without surgery (rasping, correction) | not addressed | ||
| Prevention (vaccinations, worming, health check) as an annual allowance | yes, up to EUR 100 | „Impfungen und Wurmkuren bis 100 €“ | Leistungsübersicht, page 1 |
Emergencies, abroad and end of life
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Emergency fee and out-of-hours surcharges | yes, up to the sum insured | „In Notfällen ist auch ein Wegegeld bis zum 3-fachen GOT-Satz gemäß § 10 Abs. 2 GOT 2022 …“ | Leistungsübersicht, page 1 |
| Reimbursement for out-of-hours care up to four times the fee scale | yes | „Abrechnung nach GOT-Satz in nachgewiesenen Notfällen bis 4-fach“ | Leistungsübersicht, page 1 |
| Cover abroad (competitions, holidays; duration, Europe or neighbouring countries) | yes | „EU-weiter Versicherungsschutz inklusive der Schweiz und Norwegen“ | Leistungsübersicht, page 1 |
| Euthanasia on veterinary advice and carcass disposal | yes, up to the sum insured | „Zusatzbaustein Bestattungsversicherung 1.000 €, 2.000 € oder 3.000 €“ | Leistungsübersicht, page 1 |
| Benefit on death or emergency slaughter of the horse due to accident, illness or colic (equine mortality cover) | not addressed | ||
| Theft of the horse | not addressed |
Contract and duties
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Horse owner liability included | not addressed | ||
| Insurer's right to cancel after a claim | not addressed | ||
| Premium increase by age band of the horse | not addressed | ||
| Premium adjustment when treatment costs rise (for example new fee scale) | not addressed | ||
| Term, minimum term and notice periods | not addressed | ||
| Deadline for submitting invoices and reporting claims | not addressed | ||
| Duties on keeping and care (vaccinations, worming, hoof care, appropriate housing), otherwise reduction | not addressed | ||
| Notification before planned surgery or cost estimate required | not addressed | ||
| Duty to provide vet report, X-rays or examination by the insurer's vet when claiming | not addressed |
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.
Policy wordings and provider
- Legal entity
- GHV (Tierversicherung, Risikoträger am Text prüfen)
- Distribution
- available through brokers
- GHV Pferde-OP, Leistungsübersicht 2023 Edition: Leistungsübersicht 2025-001, gültig ab 1. Januar 2025 Copy hosted by an intermediary, not by the insurer
Full text of the wording
The full text exists only in German. It is printed on the German page for GHV Pferde-OP-Versicherung and available as plain text.
Volltext GHV Pferde-OP-Versicherung · As text (Markdown) GHV Pferde-OP-Versicherung