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Knowledge & Guides
In-depth articles on insurance, provision and protection.
1186 Articles
Service Disability Insurance: Costs and Whether It Is Worth It
Learn when civil service disability insurance is worthwhile and what monthly costs soldiers and civil servants can expect for full coverage.
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Pet Health Insurance Costs: Dog, Cat, Rabbit
Learn how pet insurance costs vary for dogs, cats, and rabbits, and discover the key factors that determine your premium rates in 2026.
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Exotic Pet Liability Without Waiting Periods: When Does Coverage Start?
When does exotic pet liability insurance start? Learn why there is no waiting period and how coverage under § 833 BGB begins on the start date.
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How Much Does Euthanasia Cost for Small Pets?
How much does it cost to put a small pet to sleep? Find an overview of vet fees for euthanasia and sedation under the GOT, plus pet cremation costs.
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Pet Health Insurance for Parrots: Providers and Mandatory Registration
Which parrots must be registered? Learn about BArtSchV registration, current vet costs, and the benefits of small animal insurance.
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How Much Does Deworming Cost at the Vet?
Learn how much deworming costs at the vet under the GOT 2022 fee schedule, annual preventive care expenses, and when pet insurance covers the cost.
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Best Rabbit Insurance: Plan Comparison with Dental Treatment
Compare the best rabbit insurance plans: find out why dental care is crucial and which surgery costs are covered.
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Best Dental Supplementary Insurance Without Medical Underwriting
Find the best supplemental dental insurance with no health questions. Learn all about costs, waiting periods, and how to deduct the policy from your taxes.
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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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