Cat health insurance (Hepster)
Structured fact sheet for the Cat 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
- Cat 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, Polen
- Product page at nextsure
- Cat health insurance: tariffs and sign-up
- Source
- https://hepster.com/de-de/katzenkrankenversicherung (provider's product page; the insurance product information document (IPID), policy conditions (AVB) and further documents are linked there. Accessed: 23.07.2026)
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?
Reimburses actual costs incurred for (scope varies by tariff):
- veterinary-medically necessary treatment due to illness or accident
- veterinary-medically necessary surgery under partial/general anaesthesia or sedation
- wound care by suturing (primary/secondary wound closure)
- physiotherapy on veterinary referral (Basis: max. 3 sessions of 30 min. each; Premium: max. 5 sessions, up to 15 days after surgery; Superior: max. 10 sessions, up to 20 days after surgery)
- pre-surgery examinations; follow-up treatment (Basis: up to day 14; Premium: up to day 15; Superior: up to day 20)
- medication/consumables prescribed by a vet
- accommodation at a veterinary clinic (Basis: up to 10 days; Premium: up to 15 days; Superior: up to 20 days)
- telemedicine service, travel costs for emergency transport to the vet (all tariffs), prostheses/orthoses (Basis: max. €200; Premium: max. €250; Superior: max. €500)
- From Premium additionally: tooth extractions/treatments/root canal treatments, euthanasia by injection, castration/sterilisation, homeopathy/acupuncture, laser therapy, health flat-rate allowance (up to €150/year: preventive care, vaccinations, deworming, dental prophylaxis up to €100, claw trimming)
- From Superior10/Superior0 additionally: identification/marking, cat boarding (max. €75/week per claim)
Reimbursement rates / deductible by tariff:
| Tariff | Reimbursement | Deductible | Annual maximum (treatment+surgery) |
|---|---|---|---|
| Basis | up to 80% | 20%, min. €250/claim | Year 1: €1,000, from year 2: €2,000 (max. €1,000 each for treatment and for surgery) |
| Premium | up to 80% | 20%/claim | €10,000 |
| Superior10 | up to 90% | 10%/claim | none |
| Superior0 | up to 100% | none | none |
Vet fees: up to 2x the GOT rate (Basis; up to 3x with written justification), from Premium up to 4x; the same applicable maximum rate also applies to night/weekend/public-holiday emergencies.
What is not covered?
- Chronic illnesses, congenital/genetically caused/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 the contract began
- Treatments/surgeries performed to conform to breed standards
- Illnesses diagnosed within the waiting period – permanently excluded
- Health certificates/expert opinions; cost-estimate fees
- Basis: castration/sterilisation not covered at all (only included from Premium)
- Routine/preventive/voluntary examinations unrelated to illness or accident (from Premium: covered instead via the health flat-rate allowance)
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
- Prostheses/orthoses: 12-month waiting period
What else is important?
- Territorial scope: Germany; European countries co-insured for up to 12 months. Premium: additionally non-European countries for up to 6 months. Superior10/Superior0: worldwide for up to 12 months.
- Emergency transport cost contribution: max. €25/claim.
- Premium: max. €200/year for dental treatments plus max. €200/year for tooth extractions/root canal treatments. Superior: max. €400/year each.
- Obligation to clearly identify the cat (microchip/tattoo) by the time of the first claim at the latest.
- Monthly plan: minimum term 12 months, 3 business days' notice to the end of the period; annual plan: same notice period, automatic renewal.
- Claims notification 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 partner): 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.