Amashishini a-Intshurensi enikela iNtshuwalense ye-Pet

Ukuthelekisa iinkqubo ze-Pet Insurance

Kwiintsapho ezininzi, akukho mntu uthandekayo ngaphezu kwezilwanyana zasekhaya. Ngelishwa, ukuba isilwanyana sakho esithandekayo sigula okanye sifumana ingozi, iindleko zonyango zingabiza kakhulu. I-inshurensi yebhokhwe ingaba yokhuseleko olufunekayo ukukhupha loo ndleko. Ikwahlawula kwakhona izinto ezifana nokuhlolwa kweengxelo zonyaka, ukugonywa, ukutshiza, ukuthungatha, kunye nokunye. Ewe, kuya kufuneka uqikelele indleko malunga neenzuzo kwaye ubone ukuba kuyaqondakala wena nentsapho yakho.

Iinkqubo zePolisi ye-Pet Insurance, iiNzuzo kunye neNgcaciso

Umgaqo-nkqubo womshuwalense wezilwanyana uninzi ngeendlela ezininzi ezifana ne-inshorensi yempilo yakho. Iquka izinto ezifana neengozi, ukutyelela kakuhle, ukulimala kunye nezifo. Unokwazi ukufaka abagibeli bepolisi abaza kunika ukukhutshwa kwezinto ezinjengezitofu, ii-ray okanye imithi yokugada. Ngezilwanyana ezibiza kakhulu okanye ezingaqhelekanga, usenokukwazi ukuthenga i-inshorensi yobomi kunye nobusela. Inkonzo yomshuwalense nayo inokukhetha ukuyiqwalasela, enokukukhusela kwiindleko kunye nemfanelo yomthetho ukuba isilwanyana sakho sibetha okanye silimaza umntu. Imigaqo-nkqubo yamaninzi enikezela le ngxelo kodwa ukuba-ngokomzekelo-unayo inzala enobudlova inja, ukukhuselwa kwangakumbi kunokunceda kuwe.

Umgaqo-nkqubo ngamnye womshuwalense we-intanethi uhlukile ngoko kubalulekile ukuhlaziya iimpawu kunye nezibonelelo; oko kuhlanganiswe kwaye oko kungagcinwanga. Kuza kubakho i-exclusions, oku kuthetha ukuba ziinkonzo ezingenakutyalwa.

Ukungabikho kwi-inshurensi ye-inshurensi yezilwanyana kungabangela izinto ezinjengeenkqubo ezithile zokugada, ukutyelela ngokukhawulezileyo, iifizi zokubhankanya okanye iinkqubo zonyango. Nangona inkonzo okanye umrhumo uya kugqitywa, kuya kufuneka uqale ukunyamekela isantya phambi kokuba umgaqo-nkqubo we-inshorensi yakho ihlawulwe nayiphi na inzuzo. Iingxowa ezinokuhlaziywa zinokuthi zisekelwe kwi-nganye / yengozi okanye ngesiseko / ngesifo okanye ingaba kwisigxina sekota nganye.

Izilwanyana ezineemeko zonyango esele zikhona okanye ezifuywayo ezikhulileyo zingabandakanywa kwi-coverage.

Imigaqo-nkqubo eninzi iya kuba ne-co-pay pay amount, oku kuthetha ukuba yile mali oyihlawulayo kwinkonzo ngaphambi kokuba inkampani yakho ye-inshorensi ihlawule ibango. Ukuba usebenzisa umnikezeli okhethiweyo, umrhumo wakho wokuhlawula umvuzo ungaba mncinane. Kukho ngokuqhelekileyo isamba esiphezulu okanye umgaqo-nkqubo weqela, oku kuthetha ukuba eli lixa eliphezulu umgaqo wakho uza kuhlawula ngamabango ngexesha elilodwa lomgaqo-nkqubo.

Amashishini a-Intshurensi enikela iNtshuwalense ye-Pet

Kukho iinkampani ezininzi ze-inshorensi ezibonelela nge-inshurensi yezilwanyana ukuba ziqwalasele xa ukhetha iindlela ezifanelekileyo zokukhetha. Nazi iinkampani zomshuwalense ezi-10 ezinikeza inshurensi yezilwanyana ukuba uqalise xa uqhathanisa neenzuzo zomgaqo-nkqubo, inani lemali ye-premium kunye nezibonelelo zokuzikhethela.

1. I-Healthypaws : I-Healthypaws I-Assurance ye-Pet & iSiseko yasungulwa ngo-2009 kwaye inikezela ngenkqubo yomshuwalense wenkampani yomshuwalense wecala kunye nokugula. Umgaqo-nkqubo unikezela ngengozi, izifo, umhlaza, ukuxhalabisa, ukunyamekela, ukunyamekela, kunye nokunyamekela izinja kunye neekati. Akukho mida kumabango. I-Healthypaws ine-"A +" kwi-Business Business Bureau. Kuye kwavotelwa ikhampani ye-inshurensi ye-pet insurance ngonyaka ka-2012, 2013, 2014 no-2015 ngu-petinsurancereview.com, i-Consumersadvocate.org ne-PetInsuranceQuotes.com. Kukho iinzuzo zobomi obungenamkhawulo kwaye akukho zikhethi zebango. Imiqathango ekhoyo ngaphambili kunye nokunyamekela ukuthintela kubandakanywa kwi-coverage.

1. I-Trupanion : Intshurensi ye-trupanion yesilwanyana inika inshuwalense yekati nenja ngokuhlawula okungenamkhawulo ngaphandle kweefowuni kwi-coverage. Kukho i-90 yepesenti yokuhlawula iinkqubo kunye neenkonzo, ezikushiye ukuhlawula iipesenti ezi-10 zihlawula ngokuthe ngqo ngqo kwizilwanyana. Unokukhetha owakho u-deductible ukusuka kwi-$ 0 ukuya kwi-$ 1,000, ukuvumela ukuba ufumane isicwangciso esisebenzayo kunye nebhajethi yakho. Iimeko ezikhoyo ngaphambili, ukuhlolwa kwezempilo kunye nokunyamekelwa kokukhusela kungabandakanywa. I-Trupanion "i-A +" ilinganiswe neBusiness Business Business.
2. Ehlabathini lonke : Umhlaba wonke ngowama-inshorensi yokuqala e-US ukubonelela nge-inshurensi yezilwanyana. Kukho izicwangciso ezintathu ezihlukeneyo zezilwanyana ezifumanekayo ngelizwe lonke: I-Pet Pet : Ipesenti ezingama-90 emva kwee-bills. Uvavanya iimviwo, iimvavanyo zelabhu, ii-X-ray, imiyalelo, utyando; izibhedlele, izifo ezingapheliyo kunye nezizukulwana (kungekho xesha lokulinda) kunye novavanyo lwezempilo. Umyinge uqala kwi-64 / ngenyanga; Uncedo lwezoNyango oluMkhulu : Ukwazisa iindleko zonyango eziqhelekileyo kubandakanya iimviwo, iimvavanyo zebhu, ii-X ray, imiyalelo, ukuhlinzwa, ukulaliswa kwezibhedlele, izimo ezingapheliyo, iimeko zokufa (ixesha lokulinda lisebenza). Ubungakanani buqala kwi-$ 34 / ngenyanga; UkuPhepha okuPhezulu : Ezi zicwangciso zonyaka zokuhlolwa ngentshukumo, ukuhlolwa kakuhle, ukukhusela kunye nokukhuselwa kwentliziyo. Umlinganiselo uqala kwi-17 / ngenyanga.

1. PetPlan : Intshuwalense yepil ngePetPlan iyatholakala kuwo onke ama-50 ase-US kunye neSithili sase-Columbia. I-PetPlan yinkampani yase-UK kodwa yanda kwi-US ngonyaka ka-2003. Imisebenzi yayo yase-US inkulu e-Philadelphia, PA. Inkampani sele iseshishini iminyaka engaphezu kwe-35. Unokwenza isicwangciso sokulungisa izidingo zakho. Izingozi, ukulimala, iimali zokuvavanya, ukucambula, unyango lwezonyango, unyango, unyango lwezonyango, unyango lwamazinyo, utyando kunye nezinye iindlela zokwelapha zonke zibandakanyiweyo kwisicwangciso esicwangcisiweyo. Unokongeza i-coverage yokhetho lwezonyango zokuziphatha, ukweba, ukuhlawulwa kweenqwelo zeenkamela, ukufa ngenxa yokugula okanye ukulimala kunye nokukhanselwa kweeholide.
2. Ukumkela : I-inshurensi kunye ne-inshorensi yokugula ngokufumana izigulana kunye nezifo eziquka izimo zemizimba, ukuxhwaleka kwamazinyo, unyango lwezonyango kunye neziyobisi zonyango. Iimeko ezikhoyo ngaphambili zifakwe kwi-coverage. Inshishini yomshuwalense okhuselekileyo enezigulane nezigulane unemizuzu eyi-14 yokulinda kwaye isilwanyana sakho kufuneka sihambele udokotela wezilwanyana kwiinyanga ezili-12 zokugqibela. Kwizilwanyana ezintsha, uvumelekile ukuba uthathe isilwanyana sakho kwi-vet ngethuba lokulinda kwaye usenokufaneleka ukufumana ingxelo. Izaphulelo ziyafumaneka ukuze uhlawulele kunye nokuthungatha, ukuhlawula ipolisi yakho ngokupheleleyo kunye nokuqinisekisa izifuyo ezininzi. (I- GEICO inikeza inshuwalense yezilwanyana ngokubambisana kwayo kunye ne-Embrace Insurance Pet).
3. Iilwanyana eziphathekayo eziphambili : Intshuwalense yezilwanyana ezivela kwizilwanyana ezizizilwanyana eziphambili Izibonelela ngokugqithisa izifo, izingozi, imithi yokugulisa imithi, izibhedlele, unyango lomhlaza, utyando, i-MRS, i-X-ray, i-CT Scans kunye nokunye. Xa udibana ne-deductible yakho, uza kuhlawulelwa kuzo zonke iinkonzo zokuguliswa kwezilwanyana. Uya kufaka ikopi ye-invoyisi yakho kunye nebango le-intanethi. Amaninzi amabango aqhutyelwa kwiintsuku ezimbini zoshishino. Izibhengezo zibandakanya iimeko ezikhoyo ngaphambili, inkqubo yokonkcenkceshela, ukubhoda, ukulungiswa, ukutya, izongezelelo kunye namavithamini. ( Inkqubela phambili inikeza inshuwalense yezilwanyana ngokubambisana kunye nezilwanyana eziPhezulu.)
4. I-PetFirst : I-PetFirst yasungulwa ngo-2004 kwaye inikezela ngeenkwenkwezi kunye neekati. Unokwenza umgaqo-nkqubo ukulungelelanisa iimfuno zakho zokunakekelwa kwezilwanyana. Ayikho iminyaka okanye imithintelo yokuzala. Okukhethwa kukho ukunyamekela ngokuqhelekileyo kubandakanywa iimviwo eziqhelekileyo, ukugonya kunye namazinyo zokucoca ziyafumaneka. Kukho isaphulelo sokuqinisekisa izilwanyana ezininzi. I-Petfirst inezicwangciso ezintathu ezithandwayo zokubandakanya i- Lifetime 5,000 plan yokunikela ngengozi kunye nokukhutshwa kwezigulane, akukho mithintelo yeminyaka, akukho mida yenzeke, kunye nomda we-$ 5,000 wonyaka. Iintlawulo ziqala kwi-37 / ngenyanga. Isicwangciso se- Lifetime 10,000 sinika iinketho ezifanayo zokufikelela kunye nomda we-$ 10,000 wonyaka; kunye ne- Lifetime 20,000 plan kunye ne-20,000 yeemali eziyiminyaka.
5. I-AKC Intshurensi ye-Pet : I-AKC Pet Insurance iyintloko e-Seattle, eWashington kwaye yasungulwa ngowama-2003. Enye into ebalulekileyo nge-AKC kukuba iquka unyango ukusuka kwiphina izilwanyana. Akukho zithuba ezingenakubalwa kwaye unemihla engama-180 ukusuka kwengozi okanye kwinkonzo ukufaka ibango. Ubonelelo lubonelelwa kunye nazo zonke iifizi ezifakwe kwi-flea, ukukhawula kunye nokukhuselwa kwentliziyo. Unokufumana isaphulelo xa ugubungela ngaphezu kwesinye isilwanyana.
6. I-PetPremium : I-inshurensi yePetPremium yeekati kunye neenja ibhalwe phantsi yiNkampani ye-Inshurensi yoMlilo yase-United States. Kukho izicwangciso ezintathu ezikhoyo ukuqala nge-10 / ngenyanga kuphela. Izaphulelo zifumanekayo kwizilwanyana ezininzi kwaye ungongeza iphakeji yokuphucula ukukhusela iinkonzo zonyango lokukhusela. Isicwangciso seNqanaba 1 siquka izingozi kuphela ngomyinge wecala lo-2,500 nge-reimbursement amount of 90%; Isicwangciso seNqanaba 2 siquka izingozi kunye nezifo ezinomlinganiselo we-3,000 weganeko kunye nokubuyiselwa kwepesenti ezingama-90; kwaye isicwangciso seNqanaba 3 siquka izingozi kunye nezifo kunye ne-90 ekhulwini.
7. I-Pet Assure : I-Pet Assurance yaqala ngo-1995 kwaye inikezela ngegalelo ngaphandle kokungabikho kwiintlobo zentlanzi okanye uhlobo lweenkonzo zonyango ezifunekayo. Akuyiyo yinshurensi yepilisi ngokwenene kodwa isicwangciso sokuphuhlisa isilwanyana. Izinto eziyingqayizivele malunga nokuFinwa kwePetry kukuba akukhona nje kwiikati kunye neenja kodwa zibandakanya ezinye iilwanyana. Akukho mida yonyaka. Ufumana isaphulelo seepesenti ezingama-25 ekusebenziseni ugqirha wezilwanyana. Akukho zithintelo ezisebenzisayo kwaye akukho zihlandlo zokulinda okanye uhlawula nge-Pet Assure. Oku akusiyo yomshuwalense wezilwanyana zendalo kodwa kungakufanelekile ukuba ucinge ngokukodwa ukuba unesilwanyana esingasuswa ngaphandle kwenkqubo ye-inshurensi ye-pet.

Ngaba i-inshurensi ye-Pet ikulungele?

Xa ugqiba ukuba kufuneka uthenge umgaqo-nkqubo we-inshurensi yesilwanyana kukho imigaqo emininzi ekufuneka ithathe ingqalelo njengokuba uneminyaka yobudala kunye nempilo yangoku yakho yezilwanyana, uhlobo lohlobo kunye nokuba ngaba lo luhlobo alufumaneki kwiimeko okanye izifo ezithile kwaye indawo ohlala kuyo-ngokomzekelo, ngaba isilwanyana sakho siza kubonakala kwizinto ezinokubangela izingozi okanye iingxaki zempilo ezinjengezinye izilwanyana eziyingozi okanye kwiindawo ezininzi zendlela? Ukulinganisa zonke ezi zinto, kuya kufuneka ukuba uqinisekise ukuba iindleko zomgaqo-nkqubo ziqikelele ukukhusela naluphi na lweendleko.

Ukuba ukhetha isigqibo sokuba iPhampani ye-Pet Insurance ingaba yindlela ekhethekileyo kuwe kunye nesilwanyana sakho, unokufumana ukuba iinkampani zizinzile ngemali ngemibutho ye- inshorensi efana ne- AM Best kunye nabani na abanokubaluleka kwenkonzo yabathengi ngemibutho yabathengi ezifana ne- JD Amandla kunye nabasebenzi kunye nokujonga indlela inkampani ilawula ngayo izikhalazo kwiBusiness Business Bureau.