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Knowledge & Guides
In-depth articles on insurance, provision and protection.
1178 Articles
Transport to the equine clinic: who pays for the trailer?
Transport to the equine clinic: who pays in an emergency? All about transport costs, commercial drivers and horse surgery insurance.
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Diet and supplementary feed after horse surgery: not insured
Is diet feed after horse surgery insured? A transparent look at why clause 3.2 f) excludes supplementary feed and what counts as medication.
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Expert reports and vet letters for horses: who pays?
Who pays for a health certificate, an expert report or a vet letter for a horse? When keepers bear the cost and what Barmenia's AVB say.
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The cost of dressing material after horse surgery: who pays?
Who pays for dressing material after horse surgery? When Barmenia reimburses aids and dressing changes under clause 2.3.5 of the conditions.
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Call-out charges and mileage: does horse surgery insurance pay?
Why horse surgery insurance does not cover the vet's mileage charge and call-out, and how the GOT 2022 governs these costs.
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Is medication after horse surgery reimbursed?
Does horse surgery insurance reimburse medication? The facts on cover for painkillers and antibiotics under Barmenia's conditions.
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Joint surgery in horses: what the sublimit really covers
The sublimit on equine joint surgery: why MRI, X-rays and follow-up checks fall outside Barmenia's daily cap on operation costs.
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Horse in the clinic: who pays for the accommodation?
A horse's clinic stay: who pays for the accommodation? What Barmenia reimburses for boarding at the clinic and what you carry yourself.
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X-rays before horse surgery: part of the pre-op work-up?
Do X-rays count as a covered pre-operative examination under horse surgery insurance? All about the policy clauses, sublimits and reimbursement.
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CT scans for horses: what does surgery cover pay?
Barmenia pays for a CT scan as a pre-operative examination, capped by the imaging sublimit. What it costs under the GOT 2022, and what you carry.
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Does Barmenia pay for an MRI scan on a horse?
An MRI is covered as imaging under a sublimit, but only where surgery follows. What a standing scan costs and when you pay it yourself.
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Credit for time served: switching horse insurance
Switch without a gap and Barmenia drops the waiting period. The four situations in which newly added cover still has to serve its time.
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Birkeland fracture in horses: waiting period and costs
Arthroscopy for a Birkeland fracture costs 1,000 to 6,200 euros. Why the 12-month waiting period decides whether the insurer reimburses it.
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Chips and OCD in horses: a 12-month waiting period?
Joint surgery for chips and OCD carries 12 months' waiting time at Barmenia. Why the first examination, not the operation, decides the claim.
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An accident to your horse: no waiting period?
After an accident Barmenia waives the three-month waiting period. What counts as an accident, and what evidence the insurer expects.
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When the claim closes: the deadline after equine surgery
Barmenia reimburses aftercare for 7, 10 or 14 days after equine surgery. What the deadline covers, and who pays once it has run out.
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Waiting period for colic surgery: really only 5 days?
Barmenia cuts the colic waiting period to five days. How the deadline is counted, and why the first symptom decides whether cover responds.
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Lameness before cover started: still insured?
Lameness before cover started or during the waiting period is excluded for good. Why the timing of the first symptoms decides the claim.
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A second colic operation: will the insurer pay?
A second operation for the same colic counts as one extended insured event at Barmenia. What that means for aftercare, limits and your excess.
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When does the insured event begin for equine surgery?
The insured event starts at the examination that makes the diagnosis, not on the operating table. What that means for waiting periods and aftercare.
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Pre-operative work-up without surgery: who pays?
Does horse insurance pay for a work-up when no surgery follows? Barmenia's conditions leave conservative treatment with the owner. Here is why.
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What does good cat insurance cost per month?
What does good cat insurance cost per month? Find out all the premium differences between surgery-only and full cover, plus key saving tips.
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Drone liability insurance under 250g: the costs
What does drone liability cover under 250g cost? A transparent overview of all costs for private and commercial use of camera drones.
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What does travel insurance cost? Prices & gaps checked
What does travel insurance really cost? All premiums, policies and important exclusions in a transparent overview. Find out more now!
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