Chinese In North America(北美华人e网)

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1#

宠物保险怎么买?大家都选哪一家?dog insurance


考虑给自己狗儿子买保险。正在做功课。大家都买的哪家公司啊?有什么推荐不?

这个vet 写的关于选保险的101课程,帮我科普了一下,推荐给新爸新妈。
http://www.pet-insurance-university.com/pet_insurance_guide_lesson7.html


Nationwide 网站做了一个比较各公司保险的表格,不知道准确度如何,可以看个大概
https://www.petinsurance.com/en/healthzone/pet-articles/pet-ownership/~/link.aspx?_id=B097E0308C9F4174BDF0CBC01D9812D9&_z=z
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2#

看到vet说的这个,cover这5个的保险都不便宜啊。

If you do not have these 5 components of coverage, you are literally throwing your money away because you will not be covered for common, core diseases.

The 5 components are:

Coverage for Cancer
Coverage for Chronic Disease
Continual Coverage for Chronic Diseases
Coverage for Hereditary & Congenital Diseases
Coverage for Medical Conditions Common to your Pet's Breed & Species
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3#

Research a underwriter's financial health by using A.M. Best's Rating Center. A.M. Best is the largest and longest established insurance rating and information agency.


http://www3.ambest.com/consumers/consumersearch.aspx?bl=36
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4#

看到vet说的这个,cover这5个的保险都不便宜啊。

If you do not have these 5 components of coverage, you are literally throwing your money away because you will not be covered for common, core diseases.

The 5 components are:

Coverage for Cancer
Coverage for Chronic Disease
Continual Coverage for Chronic Diseases
Coverage for Hereditary & Congenital Diseases
Coverage for Medical Conditions Common to your Pet's Breed & Species
耳又易物 发表于 12/1/2017 10:50:49 PM
遗传病很多保险是不cover的,从pre exist conditions 就开始算了,所以一般都是建议从宠物年纪小开始买。这样查出来也可以包。出事了再买意义不大
人面不知何处去,桃花依旧笑春风。
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5#

What are other people saying about the pet insurance company?
It's important that you get unbiased information regarding the pet insurance company you are thinking of using.

Good places are:

PetInsuranceReview.com
The Better Business Bureau (BBB)
Your State's Department of Insurance Regulation
Google - Search Phrase
Your Veterinarian
Do not rely on one source to help you make a decision, review at least 2 or 3 of the above sources.
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6#

HEahlthy paws口碑和coverage都挺好
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7#

当年vet推荐的vpi,现在vpi变成了nationwide,觉得一般,不算差但也不太理想。他家每一个condition都是只能cover到一个他们自己规定的数额,多了不包。我家狗狗得了mast cell tumor ,检查加手术花了3400,保险包了2400。这些年唯一就报了这一个claim。狗狗领养的,来的时候已经成年,五年的premium交了2000出头吧。保险只包生病,不包遗传病,年检,疫苗什么的。好处是 claim比较容易,下一个app把账单拍照上传,几天就收到EOB和钱了。
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8#

当年vet推荐的vpi,现在vpi变成了nationwide,觉得一般,不算差但也不太理想。他家每一个condition都是只能cover到一个他们自己规定的数额,多了不包。我家狗狗得了mast cell tumor ,检查加手术花了3400,保险包了2400。这些年唯一就报了这一个claim。狗狗领养的,来的时候已经成年,五年的premium交了2000出头吧。保险只包生病,不包遗传病,年检,疫苗什么的。好处是 claim比较容易,下一个app把账单拍照上传,几天就收到EOB和钱了。
NikolaTesla 发表于 12/2/2017 5:39:03 PM

Petplan 也差不多 我家🐶事多只卖给我per condition的 每个上限1年一万 3400也是差不多能报会2400的样子 但遗传病和牙都包 claim也恨快
最后编辑风飞花 最后编辑于 2017-12-02 17:47:26
你刚刚是发疯了吗?
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9#

买的healthypaws, 之前claim过一次,很爽快处理速度很快
claim方便,包遗传病,没lifetime maximum, 不好的就是exam fee要自己出
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10#

我也换成Petplan了,healthy paws不让我调整reimbursement rate…于是我就跟他们say goodbye了。

目前Petplan贵很多,不过我觉得服务挺好的。我主要冲着赔付无上限那个plan去的,万一以后狗得了大病或者癌症,我心里有底

Petplan 也差不多 我家🐶事多只卖给我per condition的 每个上限1年一万 3400也是差不多能报会2400的样子 但遗传病和牙都包 claim也恨快

风飞花 发表于 12/2/2017 5:44:00 PM
人面不知何处去,桃花依旧笑春风。
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