The limited sickness insurance may be taken out only as a supplement to a basic policy or stud policy.
Scope of cover
The limited sickness insurance covers costs incurred for necessary specialised care following referral by your own vet. This policy therefore covers only costs incurred for (second-line) specialised care. In the absence of necessary referral or specialised care, any costs incurred are not insured (= first-line care).
The basic insurance is linked to the selected sickness insurance.
In accordance with the policy conditions, the limited sickness insurance covers specialised care provided by a registered veterinary specialist in the Netherlands, Belgium and/ or Germany if he/she is specialised in the disease or defect where your horse is suffering from.
How do you know which specialist your vet has to refer your horse to?
These specialists can be found on our list Veterinary-specialists. Also your own vet has to be aware of the registered specialists.
Given the cover of this policy, we can offer the limited sickness insurance policy only if you live in Belgium or in the Netherlands.
Compensation
The limited sickness insurance has a 25% excess with a minimum of €50,- per claim.
Preventive treatments and normal maintenance are not covered. The cost of orthopaedic shoes (only on the advice of the specialised vet) is covered maximum two times per insurance year.
Please read the conditions of the limited sickness insurance for more information concerning the cover of this policy.
The compensation shall under no circumstances exceed 100% of the insured value of your horse with a maximum of €5.000,- per insurance year.
Premium
The premium for the limited sickness insurance is €100,- a year.
Applying for insurance
The acceptance requirements of the relevant basic policy apply to applications for limited sickness insurance.