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Horse surgery insurance (Barmenia)

Structured fact sheet for the Horse surgery insurance by Barmenia Allgemeine Versicherungs-AG. 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
Horse surgery insurance (Barmenia)
Provider
Barmenia Allgemeine Versicherungs-AG, Barmenia-Allee 1, 42119 Wuppertal
Product page at nextsure
Horse surgery insurance: tariffs and sign-up
Source
https://www.barmeniagothaer.de/pferde-op-versicherung/ (provider's product page; the policy conditions (AVB) are linked there. Retrieved: 23 July 2026)
Calculate rate at Barmenia

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?

  • The veterinary-medically necessary surgery of the insured horse due to illness or accident (a surgical procedure under general anesthesia/sedation/local anesthesia/"standing sedation" in which skin or tissue is cut beyond a mere puncture).
  • Also covered under anesthesia/sedation/local anesthesia: wound care by suturing/stapling, tooth extractions (including wolf teeth), and root canal treatments.
  • The pre-surgical examination (diagnosis, including case history, clinical and special examinations such as X-ray, endoscopy, biopsy, lab work) – only if the surgery is actually performed.
  • Aftercare following the surgery, including alternative/complementary methods (acupuncture, homeopathy, physiotherapy, laser therapy, magnetic field therapy, neural therapy), provided these are recognized in veterinary science and billed under the GOT (German veterinary fee schedule).
  • Under Premium cover, additionally up to 5 physiotherapy sessions (max. 60 min. each) after the agreed aftercare period has ended.
  • Emergency veterinary service (nights/weekends/holidays): reimbursed up to 4× the GOT rate plus an emergency-service fee, provided this is documented in the policy.
  • Once per horse: surgery costs directly related to a birth-related emergency caesarean section.
  • Covered with limitations (scope per the policy): joint surgery for isolated shadows/OC/OCD/chips/Birkeland fractures, imaging procedures (X-ray, CT, MRI), inpatient stays/regenerative therapies as part of aftercare.
  • Territorial scope: Germany; worldwide for up to 12 months during a temporary stay abroad.
  • Direct billing with the vet/veterinary clinic possible upon explicit instruction.

Which tariffs and prices are available?

  • Per the product page (as of July 2026), three tariff levels are offered: Basis (from €22.68/month), Top (from €31.49/month), and Premium (from €51.44/month). The policy conditions (AVB) document itself distinguishes only between "Standard cover" (comprising Basis and Top) and "Premium cover" (with extended aftercare benefits and a waiver of the insurer's termination right, see below) for the tariff-specific additional benefits.
  • Maximum benefit per surgery (per the product page, as of July 2026): Basis up to €2,500, Top and Premium with no annual cap. For joint surgery due to isolated chips: Basis up to €1,500, Top and Premium unlimited.
  • Reimbursement rate per the product page (as of July 2026): generally up to 2× the rate under the German veterinary fee schedule (GOT); the 4× GOT rate for emergency veterinary service applies, per the product page, only under the Premium tariff.
  • Deductible per the product page (as of July 2026) selectable between €0, €250, €500, and €1,000 per claim (not specified in the AVB document itself).
  • Premiums are monthly, payable quarterly/semi-annually/annually as an option; the insurer may review/adjust premiums at least annually (§ 11).

What is not covered?

  • Illnesses, accidents, or congenital/acquired abnormalities already known at the time of application.
  • Routine, preventive, or voluntary examinations/treatments not related to illness or accident.
  • Dental care, tartar removal, cosmetic dental treatment, dentures, and correction of tooth/jaw abnormalities.
  • Surgery to establish breed standard conformation.
  • The vet's travel time, waiting fees, and travel costs; transport costs for the horse.
  • Dietary/supplementary feed as well as preventive vitamin/mineral preparations.
  • Health certificates, expert opinions, medical information, findings, and vet letters.
  • Damage caused intentionally or claims made fraudulently.
  • Acts of war, riot, insurrection, violence at assemblies/rallies; earthquake, flooding, nuclear energy; epidemics/pandemics.
  • Gold acupuncture/gold implantation/gold wire implantation.
  • Surgery/castration due to cryptorchidism.
  • Surgery/treatment due to hoof abscesses/hoof ulcers and their consequences (exception: veterinarian-diagnosed hoof cancer).
  • Illnesses/accidents related to breeding or pseudopregnancy (exception: a one-time caesarean section for birth complications).
  • Castration/sterilization in general (exception: medically necessary due to a gynecological/andrological/oncological condition – subject to a special 6-month waiting period).

Which deductibles and waiting periods apply?

  • Deductible or reduced reimbursement rate: individually agreed, see the policy (amounts per the product page, see the Tariffs/Prices section above).
  • Age limit per the product page (as of July 2026): Horses can be insured up to a maximum age of 19 at contract inception.
  • General waiting period: 3 months for illness-related claims, 5 days for abdominal-cavity surgery (colic).
  • Special 12-month waiting period: Joint surgery for isolated shadows, OC, OCD, Birkeland fractures, chips.
  • Special 6-month waiting period: Castration due to gynecological/andrological/oncological conditions.
  • No waiting period for accidents (provided treatment is demonstrably accident-related).
  • Waiting periods are waived or credited where a comparable prior policy continues seamlessly.

What else is important?

  • Invoice submission: without delay, at the latest 1 month after treatment ends, with owner/animal data (life/chip number), diagnosis, GOT item, and date.
  • Termination: can be terminated without notice at the end of the original contract term; from the 1st renewal year the policyholder may terminate daily; the insurer may terminate with 3 months' notice as of the renewal date.
  • Premium-cover termination waiver: If the horse was at most 7 years old at contract start, Barmenia waives its ordinary right of termination from the 7th policy year onward (with exceptions: termination of the entire product line, breach of the duty of disclosure, breach of obligations, or default of payment).
  • Priority in case of multiple insurance: a claim under another policy generally takes precedence; however, Barmenia will advance payment if notified of the case.
  • Jurisdiction/law: German law; the insurance ombudsman and BaFin serve as complaints bodies.
  • Since the merger with Gothaer, the product page has been hosted at barmeniagothaer.de; barmenia.de redirects there (as of July 2026).

Test seals and awards

  • Service-Champions GOLD: Nr. 1 der Versicherer im Multikanalvertrieb (ServiceValue, 10/2024)

    Barmenia (Anbieter der Pferde-OP-Versicherung)

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.