R+V Surgical Cost Insurance for Horses
Why You Should Trust MICHAEL EDZARDS and His Team
With years of experience and a deep understanding of the needs of horse owners, MICHAEL EDZARDS and his dedicated team are here to provide you with the best possible coverage for your valuable horse. The R+V Surgical Cost Insurance offers comprehensive protection, allowing you to focus entirely on your horse's health and well-being. Trust our expertise and commitment to support you in every situation.
Benefits of the R+V Surgical Cost Insurance
- Free choice of veterinary clinic or veterinarian
- Surgery under general, standing anesthesia, and sedation inside and outside the clinic
- No deductible
- No waiting period after accidents in the "Excellent" plan
- Unlimited annual maximum compensation
- Europe-wide or worldwide coverage
Scope of Coverage
Up to the agreed maximum compensation, we cover the costs of insured surgeries, including:
- Veterinary services including anesthesia and pre-examination
- Medications
- Costs for euthanasia during surgery
- Emergency fees
- Post-operative care up to 15 days after surgery
Features of the R+V Surgical Cost Insurance for Horses (from 01.05.2024)
| Features | Excellent | Premium | Basic |
| Insured surgeries | unlimited | unlimited | 1,500 EUR |
| Gastrointestinal colic | unlimited | unlimited | 1,500 EUR |
| Fractures, dental and jaw surgeries | 4,000 EUR | 1,500 EUR | 500 EUR |
| Obstetric help, tumor and organ removal | yes | yes | no |
| Accident-related tendon/ligament tears, acute life-threatening conditions | yes | yes | no |
| Endoscopic surgeries on tendons/tendon sheaths, chest and abdominal cavity, urinary/reproductive tract | yes | yes | no |
| Chip surgeries (accident-related chips and OCD) | yes | yes | no |
| Arthroscopy and arthrotomy | yes | yes | no |
| No annual maximum compensation limit | yes | yes | yes |
| Coverage regardless of the GOT | yes | yes | yes |
| Coverage of postoperative care up to 15 days after surgery | yes | yes | yes |
| All types of anesthesia or sedation | yes | yes | yes |
| Inside and outside the veterinary clinic, if performed by a veterinarian | yes | yes | yes |
| Coverage area | worldwide | Europe | Europe |
| Waiting period for accident-related surgeries | 0 months | 3 months | 3 months |
| Waiting period for colic surgeries | 5 days | 5 days | 5 days |
| Waiting period for chip surgeries | 12 months | no | no |
| Waiting period for all other insured surgeries | 3 months | 3 months | 3 months |
Premiums (Germany & Austria)
| Region | Excellent (1 year) | Excellent (3 years) | Premium (1 year) | Premium (3 years) | Basic (1 year) | Basic (3 years) |
| Germany (monthly premium) | 114,60 EUR | 103,14 EUR | 64,50 EUR | 58,05 EUR | 24,12EUR | 21,71 EUR |
| Austria (monthly premium) | 45.61 EUR | 41.05 EUR | 28.20 EUR | 25.38 EUR | 10.55 EUR | 9.50 EUR |
Special Offers and Discounts
- Austrian customers: 5% discount when taking out both surgical cost and animal life insurance, plus an additional 5% discount for OEPS membership.
- German customers: 5% discount when taking out an animal owner's liability insurance simultaneously.
- Swiss customers: Unfortunately, we can no longer offer insurance due to legal reasons.
Contact Us
For inquiries or interest in taking out a policy, please contact MICHAEL EDZARDS and his team directly. We look forward to your contact and are available to answer any questions. Trust the comprehensive coverage of R+V Surgical Cost Insurance to protect your valuable horse!
MICHAEL EDZARDS General Agency
R+V Insurance Group
Dorfstr. 63, 29336 Nienhagen
Tel.: +49 5144 5609962
Email: michael.edzards@ruv.de
Summary of Training and Professional Liability Insurance for Racehorse Trainers
The training and professional liability insurance offers comprehensive protection for training operations and racehorse trainers in the thoroughbred racing industry. This insurance covers a wide range of risks and provides flexible premium rates depending on the scope of coverage.
Benefits of This Insurance:
- Comprehensive Protection: Coverage for a wide range of risks that can occur during training operations and races.
- Flexible Rates: Adjustable premium rates based on the scope of the insurance and the number of stables.
- Additional Coverages: Includes protection for damages during transport and damage to third-party saddlery and harness.
Recommendation:
To ensure the best protection for your training operation and racehorses, we recommend purchasing the training and professional liability insurance from Mr. Michael Edzards at R+V Versicherung. Contact Mr. Edzards today to discuss your specific needs and receive a personalized quote. Your safety and the safety of your horses are our top priority.
Insurance Coverage:
Liability Insurance for Training Stables:
- Basic Premium: 150.00 EUR
- Additional Contributions per Box:
- Without Custody Damage: 7.00 EUR
- With Custody Damage (up to 20,000 EUR per horse, max. 5 times per insurance year, deductible 10%, at least 100 EUR): 40.00 EUR
- Damage to third-party saddlery and harness (deductible 20%, at least 50 EUR): 3.50 EUR
Professional Liability for Jockeys/Professional Riders:
- Basic Premium: 90.00 EUR
- Damage to third-party saddlery and harness (deductible 20%, at least 50 EUR): 112.50 EUR
Professional Liability for Amateur Riders/Trainees:
- Basic Premium: 52.50 EUR
- Damage to third-party saddlery and harness (deductible 20%, at least 50 EUR): 67.50 EUR
Additional Coverage for Riders:
- Damage to animals during transport (up to 10,000 EUR, 2 times per insurance year, deductible 20%, at least 250 EUR): 99.00 EUR
Animal Owner Liability Insurance:
- Racehorses: 60.00 EUR
- Stallions: 50.00 EUR
- Broodmares: 26.90 EUR
- Foals up to 3 years: 26.90 EUR
Insured Sums:
- Personal Injury and Property Damage: 3,000,000 EUR lump sum
- Financial Loss: 100,000 EUR (maximization 3 times per insurance year)
- Environmental Damage: 3,000,000 EUR (maximization 1 time per insurance year)
Contractual Basis:
- General Terms and Conditions for Liability Insurance (AHB)
- Description of the Insured Risk for Operational and Professional Liability Insurance (BVR 001)
- Special Conditions and Explanations for Training Operations of Trotters/Thoroughbreds (BBE 103)
Additional Coverages:
- Damage to fields caused by insured animals
- Damage during loading and unloading of third-party vehicles
- International damage on business trips, exhibitions, auctions, etc.
- House and property liability
- Internet liability
- Environmental damage insurance for operational resources and waste