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Team 4+ Supplementary Health Insurance

Very comprehensive coverage for your horse's medical expenses, including surgeries, examinations, aftercare, and second opinions.

Clear coverage

No small print, just certainty.

Competitive premium

Fair price & optimal protection.

Specialist in horses

Insurance by real horse experts.

Maximum medical coverage for horses

Team 4+ Health Insurance

Equipe 4Plus insurance is our most comprehensive equine health insurance policy. This insurance covers veterinary expenses up to €4,500 per year, with a deductible of €25% per event and an annual co-payment of €250. This policy provides coverage for virtually all necessary medical treatments, such as surgeries, hospitalization, diagnostics, and intensive aftercare. Specialist care and second opinions are also covered. Ideal for horse owners who want peace of mind and don't want to risk high unexpected costs.

Operations & Admission

Coverage of operations and admission to an accredited clinic, including pre-operative examination.

Diagnostic Research

Costs for x-rays, ultrasound and laboratory tests are reimbursed.

Emergency aid

Costs for emergency treatment in acute situations are reimbursed.

Intensive Aftercare

Rehabilitation, aftercare and check-up visits are covered.

Specialist Care

Less common treatments by recognized specialists are also included.

Veterinary costs

As a result of illness, accident and disorders of the musculoskeletal system (including MRI, CT scan, scintigraphy, physiotherapy, etc.).

  • Preventive Care

    Vaccinations, dental care and farrier care are not covered.

  • Alternative Therapies

    Treatments such as acupuncture or osteopathy are excluded unless approved in advance.

  • Chronic Conditions

    Long-term conditions that already existed before the policy's effective date will not be reimbursed.

  • Cosmetic Procedures

    Treatments without medical necessity are excluded.

Per year
0

Premium excluding policy costs and insurance tax

Additional information

This insurance can be purchased in conjunction with Equipe 2, 3, or 4 basic insurance policies. Reimbursement is up to €7,500 per policy year. A veterinary certificate may be required.

Your Digital Insurance Folder

Important documents

In our selection of featured documents, you'll find forms, checklists, and helpful instructions. Everything is clearly organized in one place, so you can quickly find what you need. It's so easy.

Supplement to your insurance

At Equipe Horse Insurance we understand how important your horse is to you. That's why We provide simple, honest and clear insurance. With flexible choices that really mean something to you.

How does the process work?

STEP 1

Request your quote

Easily enter your details using our premium calculator or the application form. You choose the coverage and the amount you want to insure for your horse.

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Step 2

Provide additional information

Depending on your chosen coverage, we may require a health declaration or medical examination. You can send this to us digitally or by mail.

 
Step 3

You receive your policy

After assessment, you'll receive the final policy by email or mail. After payment, your horse is insured and you can count on us.

 

Your Security, Our Passion

Team Equipe

The Equipe Horse Insurance team consists of people with a love for horses and expertise in insurance. Thanks to our years of experience experience in the equestrian world and the insurance industry, we understand your situation like no other. We are ready to assist you with personal contact, clear communication and reliable service. This way you can count on certainty and attention, every single day.


For sport and recreational horses where optimal care and rapid treatment are crucial.
No, the 4Plus health insurance can only be taken out in combination with a basic policy.
Yes, provided it is approved in advance by us and the clinic is recognized.
Yes, emergency care is fully reimbursed according to policy conditions.
Yes, if medically necessary and approved in advance.
Yes, always report damage or treatment within 24 hours to qualify for reimbursement.
You ask, we help!
Customer-oriented assistance

Do you have a question or are you looking for advice about the right insurance for your horse? We are happy to help you personally, With clear explanations and no complicated terminology. Feel free to contact us!