Cat surgery insurance (Hepster)
Structured fact sheet for the Cat 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
- Cat surgery 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
- Cat surgery insurance: tariffs and sign-up
- Source
- https://hepster.com/de-de/katzen-op-versicherung (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 costs for (scope varies by tariff):
- veterinary-medically necessary surgery under partial/general anesthesia or sedation due to illness or accident
- wound care by suturing (primary/secondary wound closure)
- pre-operative examinations (Basis: day before + day of surgery; Premium/Superior: general)
- post-treatment (Basis: up to day 14; Premium: up to day 15; Superior10/0: up to day 20)
- medication/consumables prescribed by the vet
- accommodation at a veterinary clinic (Basis: up to calendar day 10; Premium/Superior: up to calendar day 15/20 after surgery)
- travel costs for emergency transport to the vet; prostheses/orthoses (Basis: max. €400; Premium/Superior: max. €500)
- From Premium additionally: neutering/spaying, tooth extractions/root canal treatments, physiotherapy after surgery (up to 10 days), homeopathy/acupuncture, accommodation up to calendar day 15, laser therapy (max. 3 sessions/€100), telemedicine service, health flat-rate allowance (up to €100/year: prevention, vaccinations, deworming, flea/tick prevention, claw trimming)
- From Superior10/Superior0 additionally: identification of the cat, physiotherapy/homeopathy/laser therapy up to 20 days, accommodation up to calendar day 20
Reimbursement rates / deductibles by tariff:
| Tariff | Reimbursement | Deductible | Annual maximum |
|---|---|---|---|
| Basis | up to 80% | 20%, min. €250/claim | €1,000 |
| Premium | up to 80% | 20%/claim | €10,000 |
| Superior10 | up to 90% | 10%/claim | none (surgery costs only) |
| Superior0 | up to 100% | none | none (surgery costs only) |
Vet fees: up to 2x GOT rate (Basis, up to 3x with written justification), from Premium up to 4x; this maximum rate also applies for night/weekend/holiday emergencies.
Which tariffs and prices are available?
- Entry-level price: from €2.71/month (per the product page, as of: July 2026)
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 surgery within the 6 months before contract conclusion
- Surgeries performed to establish breed standard
- 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: dental treatment of any kind is not covered. Premium/Superior: dental care, tartar removal, cosmetic dental treatment, dentures excluded (extractions/root canal treatments, however, are included — see above)
Which deductibles and waiting periods apply?
- General waiting period: 1 month (special waiting periods per the policy conditions (AVB))
- Deductible: see table above
- Prostheses/orthoses: 12-month waiting period
What else is important?
- Territorial scope: Germany; coverage extends to European countries abroad up to 12 months. Premium: additionally outside Europe up to 6 months. Superior10/Superior0: worldwide up to 12 months.
- Emergency-transport cost contribution: max. €50/claim.
- Superior10/0: one-off max. €25 for identifying the cat.
- 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.