Insurance broker / Horse surgery and horse health insurance in Germany / Policy wording archive
Uelzener Herden-OP-Versicherung für Pferde: the policy wording in full
Herden-OP-Versicherung für Pferde für ausgewählte Operationen wie Kolik, Kaiserschnitt, Arthroskopie und Zahnoperation, mit wählbarem Jahreslimit und Aufnahme bis zum 15. 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 Uelzener.
- AI has advised
- 2Your details
- Application to Uelzener
Thank you, we have your application.
We prepare it with Uelzener 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 Uelzener Herden-OP-Versicherung für Pferde.
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 | „Versichert sind folgende Operationen: Arthroskopien einschl. Gelenkoperationen bei …“ | Fußnote 3, page 2 |
| 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 the sum insured | „Die Erstattungshöhe ist pro Versicherungsjahr wählbar: 15.000 €, 25.000 € oder 50.000 €“ | 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 | „bis zu 100 % Kostenübernahme unabhängig vom GOT-Satz“ | Leistungsübersicht, page 1 |
| Reimbursement rate as a percentage of eligible costs (for example 80 or 100 percent) | yes | „bis zu 100 % Kostenübernahme unabhängig vom GOT-Satz“ | Leistungsübersicht, page 1 |
| Fixed excess in euros (per invoice, per operation or per policy year) | yes, up to the sum insured | „Die Selbstbeteiligung ist pro Versicherungsjahr wählbar: ohne, 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 Wahl des Tierarztes / Tierklinik“ | Leistungsübersicht, page 2 |
| 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) | not addressed | ||
| Maximum age of the horse at inception | yes | „bis zum 15. Geburtstag des Pferdes“ | Leistungsübersicht, page 1 |
| End of cover or change of contract from a maximum age | not addressed | ||
| 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 | „Allgemeine Wartezeit 2 Monate“ | Leistungsübersicht, page 2 |
| Waiting period for colic and abdominal surgery | yes | „Wartezeit für Kolik und Unfälle 5 Tage“ | Leistungsübersicht, page 2 |
| Waiting period for accidents | yes | „Wartezeit für Kolik und Unfälle 5 Tage“ | Leistungsübersicht, page 2 |
| Special waiting periods for certain conditions (for example joints, tendons, navicular disease, airways) | yes | „Wartezeit für besondere Operationen (in der Krankenversicherung auch für besondere …“ | Leistungsübersicht, page 2 |
Surgery and clinic
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Surgery costs (procedure, anaesthesia or sedation, materials) | yes, up to the sum insured | „Versichert sind folgende Operationen: Arthroskopien einschl. Gelenkoperationen bei …“ | Fußnote 3, page 2 |
| What counts as surgery: general anaesthesia, standing surgery under sedation, minimally invasive procedures (arthroscopy, endoscopy, laser) | not addressed | ||
| Colic surgery (abdominal surgery) | yes, up to the sum insured | „Operationen aufgrund von akuten Magen-Darm-Koliken“ | Fußnote 3, page 2 |
| Conservative colic treatment without surgery, including inpatient | not addressed | ||
| Fracture repair after accident (osteosynthesis) | yes, up to the sum insured | „Operationen aufgrund von Griffelbein-Frakturen“ | Fußnote 3, page 2 |
| Examination and diagnostics before surgery (how many days before) | yes, up to the sum insured | „versicherte Vorbehandlung vor der Operation“ | Leistungsübersicht, page 1 |
| Aftercare after surgery (number of days) | yes, up to the sum insured | „Nachsorge / -behandlung ambulant / stationär“ | Leistungsübersicht, page 2 |
| Inpatient stay and care in the equine clinic | yes, up to the sum insured | „Unterbringungskosten inklusive Ergänzungsfutter in der Tierklinik“ | Leistungsübersicht, page 2 |
| Medication and dressings related to the surgery | not addressed | ||
| 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 | „Kaiserschnitte, Operationen aufgrund von Griffelbein-Frakturen“ | Fußnote 3, page 2 |
| Dental surgery (for example extraction under sedation or anaesthesia) | yes, up to the sum insured | „unfallbedingte Wundnähte, verletzungsbedingte Sehnennähte und Zahnoperationen“ | Fußnote 3, page 2 |
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 the sum insured | „Versichert sind folgende Operationen: Arthroskopien einschl. Gelenkoperationen bei …“ | Fußnote 3, page 2 |
| Kissing spines (impinging dorsal spinous processes) | not addressed | ||
| Tendon and ligament injuries (conservative and surgical) | yes, up to the sum insured | „verletzungsbedingte Sehnennähte“ | Fußnote 3, page 2 |
| Hoof conditions (laminitis, navicular disease, hoof surgery) | not addressed | ||
| Airway surgery (for example roaring) | not addressed | ||
| Tumour treatment (for example equine sarcoids, melanomas) | not addressed | ||
| 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) | not addressed | ||
| Medication and dressings outside surgery | not addressed | ||
| Diagnostic imaging (X-ray, ultrasound, endoscopy, scintigraphy, MRI, CT) | not addressed | ||
| Physiotherapy, osteopathy and rehabilitation | not addressed | ||
| Alternative medicine (homeopathy, acupuncture, animal naturopath) | not addressed | ||
| Regenerative therapies (stem cells, PRP, IRAP) and shockwave therapy | not addressed | ||
| Remedial shoeing on veterinary prescription | not addressed | ||
| Dental treatment without surgery (rasping, correction) | not addressed | ||
| Prevention (vaccinations, worming, health check) as an annual allowance | no | „Vorsorgepauschale (vorbeugende Behandlungen) in Höhe von 500 € pro“ | Leistungsübersicht, page 2 |
Emergencies, abroad and end of life
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Emergency fee and out-of-hours surcharges | yes, up to the sum insured | „Notdienstgebühr ja“ | Leistungsübersicht, page 2 |
| Reimbursement for out-of-hours care up to four times the fee scale | not addressed | ||
| Cover abroad (competitions, holidays; duration, Europe or neighbouring countries) | yes | „weltweiter Auslandsschutz bis 12 Monate (auch geplante“ | Leistungsübersicht, page 2 |
| Euthanasia on veterinary advice and carcass disposal | not addressed | ||
| 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 | none | „Beitragsdynamik: jährliche Anpassung des Beitrages aufgrund des Alters in“ | Leistungsübersicht, page 2 |
| 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
- Uelzener Allgemeine Versicherungs-Gesellschaft a.G.
- Distribution
- not known
- Uelzener Leistungsübersicht Pferde-Produkte (OP, Kolik, Kranken, Herden-OP) Edition: Leistungsübersicht DOC-208_0625_V02 Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German. It is printed on the German page for Uelzener Herden-OP-Versicherung für Pferde and available as plain text.
Volltext Uelzener Herden-OP-Versicherung für Pferde · As text (Markdown) Uelzener Herden-OP-Versicherung für Pferde