Dog surgery insurance (Hepster)
Structured fact sheet for the Dog surgery insurance by Hepster. It is based on the provider's product page linked below and the contract documents published there (IPID/policy conditions); nextsure brokers the sign-up directly with the provider.
- Product
- Dog surgery insurance (Hepster)
- Provider
- Hepster (distribution brand of MOINsure GmbH, Campus Altkarlshof, Am Kreuzgraben 1a, 18146 Rostock)
- Risk carrier/insurer
- Towarzystwo Ubezpieczen Europa S.A. - Poland, Gen. Władysława Sikorskiego 26, 53-659 Breslau, Polen
- Product page at nextsure
- Dog surgery insurance: tariffs and sign-up
- Source
- https://hepster.com/de-de/hunde-op-versicherung (the provider's product page; it links to the product information document (IPID), policy conditions, and other documents. Accessed: 23 Jul 2026)
All details are taken from the provider's linked product page and the contract documents (IPID/policy conditions) published there; the insurer's documents prevail. Premiums, benefits and the insurance product itself may change – please verify the details directly with the partner before signing up; only the information provided there is binding.
What is covered?
Actual costs incurred are reimbursed for (scope varies by tariff):
- veterinary-necessary surgery under partial/general anesthesia or sedation due to illness or accident
- wound care by suturing (primary/secondary wound closure)
- pre-surgery examinations (Basis: day of surgery; Premium: day before + day of; Superior: general)
- aftercare (Basis: up to day 14; Premium: up to day 15; Superior10/0: up to day 20)
- neutering/sterilization (Basis: up to a maximum of €250; from Premium upward: included without limit)
- medication/consumables prescribed by the veterinarian
- accommodation at a veterinary clinic (Basis: up to calendar day 10; Premium: up to calendar day 15; Superior: up to calendar day 20 after surgery)
- From Premium upward, additionally: tooth extractions/root canal treatments, post-surgery physiotherapy (up to 20 days/€500), homeopathy/acupuncture, laser therapy, telemedicine service
- From Superior10/Superior0 upward, additionally: prostheses/orthoses (maximum allowance €650)
Reimbursement rates / deductible by tariff:
| Tariff | Reimbursement | Deductible | Annual maximum |
|---|---|---|---|
| Basis | 80% | 20%, min. €250/claim | €2,000 |
| Premium | 80% | 20%/claim | Year 1: €2,000, Year 2: €5,000, from Year 3: unlimited |
| Superior10 | 90% | 10%/claim | Year 1: €5,000, from Year 2: unlimited |
| Superior0 | 100% | none | Year 1: €5,000, from Year 2: unlimited |
Veterinary fees are reimbursed up to 3 times (Basis) or 4 times (Premium/Superior) the GOT (Gebührenordnung für Tierärzte, veterinary fee schedule) rate, including for night, weekend, and public-holiday emergencies.
What is not covered?
- Chronic illnesses, congenital/genetic/acquired malformations that were known to the owner at the time of application
- Illnesses/consequences related to mating, pregnancy, false pregnancy, or birth
- Illnesses that were the reason for a surgery within 6 months before the contract was concluded
- Surgery to conform to breed standards
- Illnesses diagnosed within the waiting period – permanently excluded
- Health certificates/expert opinions; routine/preventive/voluntary examinations unrelated to illness or accident; cost-estimate fees
- Basis/Premium: dental care, tartar removal, cosmetic dental treatment, dentures (Basis additionally: tooth extraction, root canal treatment, correction of dental/jaw anomalies)
Which deductibles and waiting periods apply?
- General waiting period: 1 month (Basis/Premium: special waiting periods per the policy conditions (AVB); Superior: only the general waiting period is stated)
- Deductible: see table above
- Prostheses/orthoses (Superior10/0): waiting period 12 months
What else is important?
- Territorial scope: Germany; other European countries are covered for up to 12 months. Premium: additionally covers non-European countries for up to 6 months. Superior10/Superior0: worldwide for up to 12 months.
- Obligation to have the dog clearly identified (microchip/tattoo) by the time of the first claim at the latest.
- Monthly subscription: minimum term 12 months, notice period 3 business days before the end of the period; annual subscription: same notice period, automatic renewal.
- Claims reporting via https://hepster.com/de-de/schaden or de@support.hepster.com; customer service +49 (0) 381 / 203 888 00.
- Policyholder (the risk carrier's contracting party): MOINsure GmbH, Campus Altkarlshof, Am Kreuzgraben 1a, 18146 Rostock.
Test seals and awards
Trusted Shops: 4,5/5 „Sehr gut“ (2.600 Bewertungen)
hepster insgesamt (Anbieterbewertung, alle Versicherungen)
All details are taken from the provider's product page linked as the source above and the contract documents linked there; the insurer's documents prevail. Last reviewed: 23 July 2026. Overview: Facts about nextsure.