Dog health insurance (Hepster)
Structured fact sheet for the Dog health 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 health insurance (Hepster)
- Provider
- Hepster (a 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, Poland
- Product page at nextsure
- Dog health insurance: tariffs and sign-up
- Source
- https://hepster.com/de-de/hundekrankenversicherung (provider's product page; the Insurance Product Information Document (IPID), policy conditions (AVB) and further documents are linked there. Retrieved: 23 July 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?
Reimbursed are actually incurred, invoiced costs for (scope varies by tariff):
- veterinary-medically necessary treatment due to illness or accident
- veterinary-medically necessary surgery under partial/general anesthesia or sedation
- wound care by suturing (primary/secondary wound closure)
- pre-operative examinations (day before + day of surgery; from Superior: multi-day also covered)
- post-treatment (Basis20/Basis50: up to day 14; Premium: up to day 15; Superior10/Superior0: up to day 20)
- medication/consumables prescribed by the vet
- accommodation at a veterinary clinic (Basis: up to 10 days; Premium: up to 15 days; Superior: up to 20 days)
- neutering/spaying, where medically necessary (from Premium: covered generally, not only when medically necessary)
- health flat-rate allowance (check-ups, vaccinations, deworming, dental prophylaxis; Basis20/50: up to €30/year, Premium: up to €70/year, Superior: up to €100/year, additionally labeled there)
- telemedicine service (all tariffs)
- From Premium additionally: physiotherapy (up to €200 without surgery / €500 after surgery), tooth extractions/root canal treatments, homeopathy/acupuncture, laser therapy
- From Superior10/Superior0 additionally: prostheses/orthoses (max. contribution €650)
Reimbursement rates / deductibles by tariff:
| Tariff | Reimbursement | Deductible | Annual maximum (treatment + surgery) |
|---|---|---|---|
| Basis20 | 80% | 20%, min. €250/claim | €2,500 |
| Basis50 | 50% | 50%, min. €500/insurance year | €2,500 |
| Premium | 80% | 20%/claim | Year 1: €10,000, Year 2: €15,000, from Year 3: unlimited |
| Superior10 | 90% | 10%/claim | no annual maximum |
| Superior0 | 100% | none | no annual maximum |
Vet fees are reimbursed up to 3x (Basis) or 4x (Premium/Superior) the GOT rate; this maximum rate also applies for night/weekend/holiday emergencies.
What is not covered?
- Chronic illnesses, congenital/genetic/acquired malformations known to the owner at the time of application
- Illnesses/consequences related to mating, pregnancy, false pregnancy, birth
- Illnesses that were the reason for treatment/surgery within the 6 months before contract conclusion
- Treatments/surgeries performed to establish breed standard
- Illnesses diagnosed within the (general or special) waiting period — permanently excluded
- Health certificates/expert opinions; routine/preventive/voluntary examinations unrelated to illness or accident; cost-estimate fees
- Basis20/Basis50: neutering/spaying that is not medically necessary is not covered (in higher tariffs, neutering is covered generally)
Which deductibles and waiting periods apply?
- General waiting period: 1 month (special waiting periods for certain illnesses per the policy conditions (AVB))
- Deductible: see table above (tariff-dependent, from 0% to 50%)
- Prostheses/orthoses (Superior10/0): 12-month waiting period
What else is important?
- Territorial scope: Germany; for stays abroad in Europe, coverage extends up to 12 months. Superior10/Superior0: worldwide up to 12 months; Premium: additionally outside Europe up to 6 months, on top of 12 months within the EU.
- MRI/CT costs: 50% cost contribution (Basis tariffs).
- Obligation to uniquely identify the dog (microchip/tattoo) at the latest by the first claim.
- Monthly subscription: minimum term 12 months, 3 business days' notice to 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 (contracting party of the risk carrier): 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.