Surgical insurance for horses
Protection when it matters
Injuries and problems with the horses and their welfare and health can have a heavy emotional impact on horse owners. If an operation is necessary, the treatment costs can rise up very quickly.
Especially in emergency situations like a severe colic or an extensive injury a fast decision regarding surgical treatment and further therapy has to be made to save the horses life.
Not thinking about the costs of surgical treatments and therapies can take a huge weight off the shoulders, so having a surgical insurance with a manageable monthly payment, to either cover the full costs or parts of the surgical treatment and therapy, can be a great option to keep an overview about the monthly outgoings without unplanned invoices in the letterbox.
Advantages of surgical insurances
Nowadays surgical insurances are provided by many companies and with most of them we have the possibility to organize the payment directly so the horse owners do not have to pay in advance.
When signing a contract with an insurance company, keep an eye on the regulations. It is important to ensure that at least 2 times the rate according to GOT (“Gebührenordnung für Tierärzte” - scale of fees for veterinarians) is covered, otherwise the horse owners might be charged with a big part of the invoice privately especially in emergency situations. It is also important that the services a company provides are in common with your own needs and expectations so in case of an operation there are no misunderstandings.