Indlela yokuCima ukuba iNgcaciso yeNtsholongwane yezeMpilo yePilisi ilungile kuwe
Unyaka wokuqala kudla kunzima ukuqikelela.
I-Vet kunye nezinye iindleko-Ngaba Uncedo lwe-Intshuwalense yePetham?
Abanini bezilwanyana zezilwanyana (okanye "abazali bezilwanyana zasemagumbini") bayabambana xa beqala ukuthenga okanye bathenge indlu yezilwanyana, kuba iindleko zokufumana izitofu ngokukhawuleza kwaye iimfuno zezokwelapha kunyaka wokuqala zingabiza.
Yongeza kuzo zonke iizitha kunye nezinto ezongezelelweyo ozifunayo ukuze uthenge ukuba ilungu lakho lentsapho livale ekhaya, kwaye izinto ziqala ukubiza.
Xa usugqibile zonke iindwendwe ezifunekayo zonyango, izitofu, kunye nonyango, abanikazi abatsha baziva bexakeke ngeendleko kwaye abafuni ukuhlawula intlawulo ye-inshurensi yezilwanyana. Nangona kunjalo, kuyafaneleka ukuba sicinge ukuba unokuqala kunyaka wokuqala ukuba unesilwanyana esilungele kuyo ingxaki, okanye iimeko zonyango ezingalindelekanga.
7 Imibuzo Yokukunceda Unqume Ukuba Ufuna Umshuwalense WeePetri kunye Nento Eyiyo
- Ngaba unokuza ne-$ 1000 ukuya kwii-5000 zeengxamiseko?
- Ngaba ufuna i-inshorensi kuphela ukukhawuleza ukukhawuleza?
- Ngaba ufuna isicwangciso se-inshorensi esingazifihla kuphela izingozi, kodwa nokugula?
- Ngaba ufuna ukuhlawula ngaphezulu ukuze ufumane isicwangciso esingagcini nje ngeengozi kunye nokugula, kodwa oko kugcina ukugcinwa rhoqo, njengamachiza, ukuhamba kunye nokufakela, okanye ukuvakatyezwa kwe-vet standard? Ngamanye amaxesha kuthethwa ngokuthi isicwangciso sokuphila.
- Ngaba ufuna ukufikelela kwindawo yokunceda xa ufuna ukubuza imibuzo? Ukufikelela kwiinkcukacha zoncedo lwezilwanyana kunceda kakhulu kwaye kunokukugcina imali eninzi.
- Kulula kuwe ukuba uhlawule imali encinane ehleliweyo (iindleko zenyanga zomshuwalense wezempilo) kunokuza kunye needola ezilikhulu kwiimeko ezingxamisekileyo?
- Ingaba ixabiso le-inshurensi yezilwanyana liza kudlula ngaphaya kweliphi ixesha onokuyisebenzisa kwiivenkile? Oku kubaluleke xa ukhetha ukungena kwisicwangciso sezempilo. Yongeza iindleko ze-inshurensi, uze uqhathanise loo ndleko yazo zonke izitofu kunye neenkqubo eziluhlu lwezinto ezifakwe kwizinto ezifakwe kwizinto ezifakwe kuyo. Ngokuqhelekileyo ekupheleni kothelekiso, ugqiba ukuqonda ukuba unemali yokunakekelwa kwempilo. Oku kunokuba luncedo kwabanye abantu, kodwa kwezinye iimeko, unakho ukuhlawula ngokukodwa ukufumana ingxelo ngaphandle kokuba uyigcine imali kwaye uhlahlole imali. Oku kuxhomekeke kuwe.
Ezinye iinkqubo ze-inshorensi zinikeza zonke ezi ngasentla, okanye iindawo kuphela, amaxabiso ayahluka ngokufanayo. Xa ufumana icatshulwa qinisekisa ukubuza imibuzo malunga nezithintelo phambi kokuthenga kwakho .
Ukukhetha iSicwangciso seNkcenkceshelo seNtanethi
I-inshurensi ye-Pet isisiseko esibalulekileyo kakhulu, kwaye ukuba ukhetha ngokuhlakanipha, ayiyikuqinisekisa kuphela ukhuseleko lwenja yakho okanye ikati lakho kodwa linokuqinisekisa ukuba awukhe ufanele wenze ukhetho phakathi kwemali kunye nobomi bakho bezilwanyana kuba unokukwazi ' kukwazi ukunyamekela.
Ukuba iindleko ze-inshurensi yezilwanyana zinkxalabo kuwe, qwa lasela malunga ne-bill ye-$ 500 engalindelekanga kwizilwanyana zongxamisekileyo, okanye iindleko zokuhlinzwa. Izilwanyana zilimala kwaye zifumana ingxaki ngexesha lonke, kwaye nantoni na abantu abaninzi bacinga, akubona nje izifuyo ezikhulileyo ezithatha ingxaki.
Iintlobo ezahlukeneyo zoMshuwalense we-Pet Insurance
Iiphakheji ze-inshurensi yesilwanyana zinokulungiswa kwiimfuno zakho ezithile. Unokukhetha iiphakheji nazo zonke izinto, okanye kuphela neendawo ozifunayo.
- Ukugula
- Ubungakanani bempilo - lugxininisa iindleko ezilindelekileyo kwaye lunokulungiswa kwiifayilizo ongathanda.
- UkuLawulwa Kwengozi kunye nokuPhelelwa koKufa
- Ukuncedisa izilwanyana zokuncinci okanye ukufumana inkxaso yocingo. Xa ungazi ukuba kufuneka uhambe kwi-vet okanye ufuna imininingwana yokulawula utyhefu.
Ukulungele ukuphanda ukuba ngaba banikezeli be-inshurensi elincinci elincinci banikela?
Xa ujonge ukuthenga ipolisi yomshuwalense wezilwanyana, kukho imibuzo embalwa ukuqwalasela uhlobo luni ye-inshurensi yezilwanyana elungileyo kuwe.
Qaphela Abanye abaPhuthuli beZilwanyana eziKhuphisa iiNkcazo eziKhulayo emva kweeNkcazo okanye eziKhuselekileyo kwiNguqulelo
Qiniseka kwaye ubuze malunga neentlawulo zamabango, kwaye kwenzekani ukuba wenza ibango. Ngaba baya kukuhlawulisa ngenxa yokuvuselelwa komgaqo-nkqubo? Ngaba abayi kubandakanya ukukhutshwa kweziphumo ngenxa yoko? Kubalulekile ukuba wazi ukuba akubona zonke i-inshurensi zezilwanyana ezizenzayo. Ihlawula ukufumana kwangaphambili.
Iyini Indleko Yomshuwalense Wezilwanyana?
Kulula ukufumana iincwadana kwi-intanethi ye-inshurensi yezilwanyana kwiimpawu ezimbalwa ezilula, ngakumbi ukuba ufuna inkomo encinane. Ubhedu bakho obuhle kukukwenza iincwadana ezimbalwa ze-intanethi ye-inshurensi yeefama kwaye uqhathanise.
Ingakuhlawula i-$ 30 ngenyanga okanye i-$ 100 ngenyanga ngokuxhomekeke kwimibandela eyahlukeneyo kunye noluphi ukhetho olukhethayo.
Iindleko zeNtshurensi yePetesi isekelwe
- Yiyiphi intlawulo oyithengayo (jonga ii-4 ezahlukeneyo zoluhlu lweefowuni)
- Yintoni oyithathayo
- Igatya lomshuwalense
- Uhlobo lwesilwanyana sakho (izilwanyana ezahlukeneyo zithandana neengxaki ezahlukeneyo)
- Ubudala benkomo yakho
- Ukuba kukho imeko ekhoyo ngaphambili
- Ubungakanani benkcazo abaya kunikela yona
- Ukuba kukho amaxesha okuphila
- Ukuba kukho ixesha lokulinda. Ngendlela efanayo ne- inshorensi yakho yamazinyo ingaba nexesha lokulinda , izicwangciso ze-inshorensi zempilo yezilwanyana ngamanye amaxesha zinexesha lokulinda kunye. Kubalulekile ukufumanisa ngale nto.
Ziziphi ezinye izinto endizikhethayo ukukhusela iMpilo yezilwanyana zasekhaya?
Umntu ongcono ukubonisana nezibonelelo ukukunceda kwisiphumo esiphuthumayo kwisilwanyana sakho.
Ukuncediswa kwezilwanyana zePestile kunye noLawulo lweTyhefu
Ukongeza kwi-vet yakho, enye yeenkonzo ngamanye amaxesha kubandakanywa izicwangciso ze-inshurensi ezintle zincincedo yocingo.
Nangona ungenayo i-inshurensi ye-pet xa ufumana imeko apho ufuna uncedo lwangxamisekileyo, kuninzi kunceda uncedo olufumaneka kwi-intanethi ngamaziko ahlukeneyo.
Ezi zixhobo zeefowuni zihlala zihlawulisa imali nganye yeefowuni, ngoko ke, kubhetele kakhulu ukukhetha ipakethe evela kumniki-inshurensi wenkampani yenkampani enokubandakanya lolu hlobo lwenkonzo, kunomngcipheko wezinga lefowuni nganye ukuba ucinga ukuba uya kubiza rhoqo. Ukuba unamathele ngaphandle kwe-inshorensi, yenza uphando lweGoogle kwaye mhlawumbi uya kufumana umnxeba wendawo encedisiweyo, umzekelo owodwa amaziko okufakela utyhefu wezilwanyana ezinokuba luncedo xa isilwanyana sakho sidla into efana ne-shampoo yakho okanye isityalo kumyezo wakho. awuqinisekanga ukuba umkhuseli wakhe, umzekelo omnye ngumncedisi we-Pet Poison Helpline, kukho ezinye ezininzi, kubandakanywa nezinye ezinika iingcebiso ngezilwanyana kwifowuni.
Ezi zixhobo zinokukunceda ngokwenene kwimeko engxamisekileyo.
Cinga ukuba indleko zala macebo ancedo zihlala zi malunga ne-$ 50 ifowuni, ngoko ke ukuba unokufumana isicwangciso esibandakanya konke oku, i-inshurensi yesilwanyana ingaba yinto efanelekileyo.
Ngaba iiMfuyo zam eziPhezulu zinyanzeliswe ngeNtshurensi yasekhaya?
Nangona enye ikhaya, i- inshurensi ye-condo , kunye neenqwerensi ze-inshurensi zingabandakanya ukuhanjiswa kwezilwanyana eziphantsi kwemida ekhethekileyo kwisiqulatho okanye kwicandelo "lepropati yomntu" yomgaqo-nkqubo, ukugcinwa kweencwadi kubakho ngokukhawulelana nemingcipheko echaziweyo kwaye kuxhomekeke kwii-exclusions. Izingozi, ukugula kunye nokulimala kwakungaqhelekanga kube yinto ethile eyayiza kubhalwa ngumshuwalense wendlu . Enyanisweni, imigaqo emininzi yekhaya ayifumanekanga malunga nokukhutshwa kwezilwanyana. Ngokukhawuleza xa ufumana isilwanyana, kufuneka ubize ummeli wakho we-inshorensi uze ubuze indlela umgaqo-nkqubo wakho wokuhlala ubandakanya ngayo iimfuyo zakho kwaye ukuba zinayo naziphi na iingcebiso zokufumana ingcaciso eyongezelelweyo.
Ukuqinisekiswa Unokuyongeza kwiNkqubo Yakho Yasekhaya Ukunceda Ngezilwanyana Zakho
Nangona ininzi iinkampani aziboneleli ngoncedo lwezilwanyana zezilwanyana, ezinye iinkampani zomshuwalense ziphume kunye nezibonelelo ezinikezela iinkonzo kubaphathi bezilwanyana. I-Aviva Canada ngumzekelo owodwa kunye neNkxaso yabo yokuThuthwa kweNtsapho yokuThuthwa kweNdlela Ukuvunyelwa, apho zibandakanya ukufikelela okungenamkhawulo kwiingcebiso zezempilo zezilwanyana ngefowuni ngexesha leeyure.
Qiniseka kwaye ubuze ummeli wakho we-inshurensi yasekhaya ukuba inkampani yakho yomshuwalense inika nayiphi na inkonzo okanye ukhuselo lwezilwanyana zakho, unokumangaliswa koko kufikeleleka ngexabiso eliphantsi!
Izicwangciso zobulungu kunye neNgcaciso zeNgcaciso ye-Pet Insurance
Ngaphambi kokuba uthenge inshuwalense yezilwanyana, emva kokuba uhlolisise nge-inshurensi yakho yasekhaya okanye umthengisi, kwaye wenze ukukhangela kwi-intanethi, ungakulibali ukujonga ukuba unakho ukufumana izaphulelo ngenye inhlangano yobulungu. Umzekelo, i-AAA inikeza izaphulelo kwi-inshurensi yezilwanyana kunye ne-Healthy Paws Insurance, kunye nePaws Healths inikezela izaphulelo ze-AARP kunye namalungu e-Costco. Kuhlala kulungele ukujonga ukuba unako ukufumana izaphulelo ezongezelelweyo ngokusebenzisa imibutho yakho ilungu.
I-Pawbamacare - Indawo yokuThengiswa kwe-Intshuwalense ye-Pet
Indawo yokugqibela ukukunceda: uvile nge- Obamacare kunye ne-ACA , kakuhle i- Pawbamacare isayithi esinika i- Obamacare ephefumlelweyo indawo yokuthengisa ngaphandle kwinshuwalense yezilwanyana kumzamo wokwazisa malunga ne-inshurensi yezilwanyana.
Hlola ukuba uqhathanise izicaphuno.
Xa Ufanele Uthenge i-Intshurensi Yempahla?
Akukho mntu ongayiphendula xa kuthengwa i-inshurensi yesilwanyana kuyimfuneko kuwe okanye akunjalo, nangona kunjalo, ukuba ucinga ukuba uya kuzifumana kwindawo apho iindleko zokunyamekela kwezilwanyana zakho zingenakwenzeka ukuba ungene kwiimeko ezingxamisekileyo, kufuneka qwa lasela ukuthenga ukhuseleko kuze kube yilapho uzinzileyo ngokwaneleyo ukuxhasa ngemali uncedo okanye ukhethe amathuba akho.