High horsepower protection for your horseHorse surgery insurance

Every day horses give us their trust, when they bear us safely wherever we want to go and make us happy. It’s nice that there’s a way to return this trust. Whether show jumping, dressage or normal riding – the opportunities for accidents and injuries are numerous. Make sure that your horse is covered for important treatments.

Surgery on horses can be expensive. If things have to happen quickly in an emergency, high clinic and treatment costs are the last thing you should be dealing with. No matter whether you are a beginner, an equestrian athlete or a breeder: With horse surgery insurance you can enjoy your passion with a secure feeling.

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Insured risks
  • Protection against operation costs including anaesthesia for a horse in standing position or general anaesthesia, colic, splint bone fracture, dental surgery, accident-related wound sutures, etc
  • Comprehensive coverage, including veterinary services, medication & aftercare
  • €100 provision for vaccinations, worm cures, etc.
  • No age limit – older horses are also insured at 100% cost coverage with no surcharges
  • Free choice of veterinary clinic and veterinarians
  • No annual limit
  • Inclusion of the anaesthetic risk – if the horse dies under anaesthesia in an insured operation before the veterinarian begins the procedure, the costs will be covered.
In addition:
  • Discounts for two or more insured horses
  • Discounts for members of the German Horseback Riders’ Association (VFD)

Details below:

What you need to know

Even minor operations can quickly cost €1,000. Whether colic, throat blockage, lameness or equine exertional rhabdomyolysis – often treatment costs are no longer bearable.

Here are some examples:

Colic includes all diseases of the digestive tract. You can recognize them by the fact that the horse is restless, scrapes its forelegs, tries to lie down and hits its stomach. The most common cause is an intestinal obstruction, which can be caused by stress or a change in diet. If you have the slightest suspicion of colic, call the veterinarian immediately. Treatment can cost up to €5,500.

The splint bones are two bones that are only as thick as pencils, consequently fractures of these thin bones occur relatively quickly. In this case, surgery under general anaesthesia is unavoidable. The treatment costs here are as much as €1,500.

Osteochondritis dissecans is a disorder of the growing cartilage and causes fragments to detach from the joint surface and ossify in the joint. The most common consequence is that the horse is lamed. The costs for this disease can run up to €2,000.

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