Optimal protection for equine surgeries
Insure your horse against high surgery costs. The equine surgery insurance from nextsure offers comprehensive protection and prompt assistance in the event of an emergency. Find out more and calculate your premium now!
Covering high veterinary costs
Free Veterinarian & Clinic Choice
Fast, digital processing
Why equine surgery insurance is indispensable
Protection against financial burden in case of unexpected operations.
Ensuring the best possible medical care for your horse.
Protection against common risks such as colic or fractures.
Peace of mind for horse owners through predictable costs.
Scope of services: What does the equine surgery insurance cover?
An equine surgery insurance covers the costs for surgical procedures that become medically necessary due to illness or accident. This includes not only the operation itself but also the associated costs for diagnostics (e.g., X-rays, ultrasound, CT, MRI), medication, bandaging materials, and in-patient hospitalization at the veterinary clinic for up to a certain number of days after the surgery. Common operations often covered include colic surgery, splint bone fractures, annular ligament surgeries, removal of chips, and wound stitches. The exact scope of benefits varies depending on the plan and provider; therefore, pay attention to details such as the GOT rates (fee schedule for veterinarians), coverage of aftercare costs, and any potential limits per insurance claim or per year. The nextsure equine surgery insurance is designed to provide you with comprehensive financial relief in case of an emergency and to ensure your horse receives the necessary treatment.
Tailored Protection
Services of our Equine Surgery Insurance
Surgery Costs
Comprehensive coverage of operational costs according to GOT.
Diagnostics
Including important preliminary examinations such as X-rays and MRI.
Aftercare
Coverage for inpatient treatment and medication after the surgery.
Free Choice
You decide which vet or clinic treats your horse.
Emergency Service
Prompt assistance and cost coverage, even for emergency operations.
International Protection
Insurance coverage for temporary stays abroad (depending on the tariff).
GOT sentence
Reimbursement up to the agreed rate of the fee schedule for veterinarians.
Digital Notification
Simple and quick damage reporting through our online portal.
Tariff options
Flexible tariffs with various deductibles and scopes of services.
Transparent and fair for your horse
Worry-free in case of emergency
Calculate horse surgery insurance now!
Cost factors: How much does horse surgery insurance cost?
The cost of horse surgery insurance depends on various factors and cannot be generalized. Key factors influencing the premium include the age and breed of your horse, as certain breeds may be more susceptible to specific illnesses and older horses have a higher risk of surgery. The chosen sum insured also plays a role: higher coverage amounts tend to lead to higher premiums. Another important factor is the excess; a higher excess can reduce the premium but means you will cover a larger share of the costs in the event of a claim. Additionally, the scope of coverage chosen, such as the rate level of the GOT (up to 2 times, 3 times, or even 4 times the rate) or the duration of post-operative care cost coverage, affects the price. At nextsure, you can configure your plan transparently and individually to achieve an optimal price-performance ratio for horse surgery protection.
Wait Times and Exclusions: What You Need to Know
When taking out a horse-surgery insurance policy, it is important to fully understand the terms regarding waiting periods and exclusions. A waiting period is the time after the start of the contract during which there is no entitlement to benefits. This serves to protect the insurer against covering pre-existing or foreseeable conditions. Typical waiting periods are three months for illnesses and often shorter, such as seven days, for accidents. For certain diagnoses like OCD or chips, there may be longer specific waiting periods. Typical exclusions often include congenital malformations, prophylactic measures (e.g., preventive chip removal without medical necessity), castrations or sterilizations (unless medically indicated), dental treatments (except surgical extractions following an accident), shoeing, and planned routine procedures. Diseases or accidents that occurred before the contract was concluded or during the waiting period are generally not covered. Read the insurance terms carefully to avoid surprises when claiming and to clearly understand the scope of coverage.
Finding the Right Horse Surgery Insurance: Comparison Tips
Selecting the right equine surgery insurance requires a careful comparison of different offerings to ensure optimal protection for your horse and your financial situation. Don’t just focus on the price; pay particular attention to the scope of benefits. Check to what extent costs are reimbursed according to the veterinary fee schedule (GOT) – ideally at least twice the rate, or even higher. Clarify which diagnostic procedures prior to surgery (e.g. MRI, CT scans) and which post-operative treatments (accommodation, medication, bandages) are covered and for how long. The level of the annual reimbursement limit and any caps per operation are also crucial. Compare the terms regarding excess: Is there a fixed amount or a percentage? Find out about waiting periods and exclusions. Another important aspect is the freedom to choose your vet and clinic. At nextsure, we emphasize transparent conditions and a straightforward, digital application process to help you quickly find the right plan for your equine surgery insurance. Use our online calculator for an initial overview.
Procedure in Case of Damage: How to Act Correctly
In the event that your horse requires surgery, acting quickly and correctly is crucial to ensure a smooth coverage process with your horse surgery insurance. Report the upcoming procedure to your insurer as soon as possible, unless it is an acute emergency that requires immediate action. Many providers, like nextsure, offer digital reporting systems or hotlines for this purpose. Check which documents are required; typically, these include the clinic's cost estimate, a diagnosis from the vet, and later the detailed invoice. In the case of emergency surgeries, such as a colic operation, inform your insurer as soon as possible, but no later than a few days after the procedure. Document everything carefully and keep all receipts. Clarify with your animal clinic whether direct billing with the insurer is possible or if you need to pay upfront. Transparent communication with your vet and insurer is key to swift and straightforward claims processing.
Transparent
Clear Conditions
Digital
Simple Conclusion
Fair
Top value for money
Additional Benefits: Meaningful Additions to the Surgery Insurance
While equine surgery insurance covers the costs of surgical procedures, certain additional benefits can sensibly enhance the protection for your horse. A common supplement is horse health insurance, which also covers non-surgical treatments like medication for infections or physiotherapy. For comprehensive protection, a horse owner's liability insurance may also be essential, as it covers damages your horse causes to third parties. Some insurers offer combined packages, which may offer price advantages. Consider whether specific coverage extensions are relevant to your needs, such as for international stays with your horse, transport costs to the clinic, or coverage for alternative healing methods during aftercare. At nextsure, we will be happy to advise you on the various options and help you put together an insurance package that is optimally tailored to the individual needs of your horse and your requirements as an owner, ensuring complete coverage.
Prevention: How to Minimise Surgery Risks in Horses
Although equine surgical insurance provides financial security for necessary operations, the best strategy is always prevention to minimise the risk of such procedures from the outset. A natural environment with plenty of exercise, high-quality feed, and constant access to fresh water is the foundation for a healthy horse life. Regular veterinary check-ups, vaccinations, and worming help to detect and treat diseases early before they require surgical intervention. Ensure a safe environment in the pasture and stable to reduce accident risks (e.g., from sharp edges, uneven ground, or inappropriate fencing). A gradual warm-up before training and a cool-down afterwards prevent injuries to the musculoskeletal system. Observe your horse closely for behavioural changes or early signs of discomfort, such as loss of appetite or lameness, so you can consult a veterinarian in good time if necessary. Good prevention does not replace surgical insurance, but it can help make its use less frequently necessary.
Case Studies: Equine Surgery Insurance in Practice
To illustrate the value of a horse surgery insurance, concrete case studies are helpful. Case 1: Gelding "Blitz" suffers a severe colic. An emergency operation is unavoidable. Costs for surgery, diagnostics, and 10 days of hospitalization: 8,500 Euros. Thanks to his horse surgery insurance with nextsure, with a 20% excess, his owner only had to pay 1,700 Euros out of pocket. Case 2: Mare "Luna" sustains a complicated splint bone fracture while in the pasture. The cost for surgery, including osteosynthesis and aftercare, is 4,200 Euros. The insurance covers 3,700 Euros after a deductible of 500 Euros. Case 3: Sport horse "Rocky" needs surgery due to a diagnosed joint chip. Costs for arthroscopy, chip removal, and subsequent physiotherapy: 3,000 Euros. The insurance covers 90% of the costs. These examples show how quickly high veterinary costs can arise and how horse surgery insurance protects horse owners from significant financial burdens while ensuring the best possible care for the animal.
What exactly is equine surgery insurance?
At nextsure, we understand the deep bond between you and your horse and the concern for its well-being. Our mission is to offer you tailor-made and easy-to-understand insurance solutions as a digital insurance portal. The equine surgery insurance from nextsure is distinguished by transparent rates, a comprehensive benefits catalogue, and a fully digitalised completion process. We focus on niche products and provide you with expert advice so that you find precisely the protection that suits you and your four-legged partner. Benefit from our expertise in animal insurance and our Unique Value Proposition, which is based on a combination of a specialised portfolio and digital efficiency. Secure your horse's health and your financial independence with equine surgery insurance from nextsure – your trusted partner for digital insurance coverage. Calculate your premium easily online and complete your insurance with just a few clicks.
