In addition, it can be seen from the report that 66.6% of pet owners will have regular physical examinations for their pets, while 13.9% said that they would only take their pets to the pet hospital for physical examinations when they were sick. For most pet owners, pet medical expenses within 1000 yuan are acceptable; 27.9% pet owners can accept the pet treatment fee below 2000 yuan; There are 16% pet owners who can accept the treatment fee below 3000 yuan; Only 7.2% pet owners can accept the amount of more than 3,000 yuan. As can be seen from the report, the cost of pet treatment is really a pain point for pet owners.
Not long ago, Mr. Gu, a citizen of Nanjing, lamented in an interview: "The cost of pet treatment is too expensive." It turns out that Mr. Gu is a caring person. Over the years, he has rescued more than a dozen stray animals and spent a lot of money on floating animals.
Let's look at Mr. Gu's bill:
1, one or two thousand minor problems, and the treatment time is about 1 day;
2, the cost of surgery is generally fifteen thousand, and that of ophthalmology is seven or eight thousand;
3. Examination expense: CT scanner 1000 yuan, biochemical examination in 550 yuan.
4. Hospitalization fee: 200 yuan a day is the minimum, excluding meals.
Mr. Gu said that such a high cost of animal treatment is really unbearable for ordinary people. Indeed, if you just suck cats and dogs, it is really a quiet time. When the host sees Meng Chong, he doesn't have to worry at all. But you will also see the shovel official's spit: love is really cute, but burning money is really burning money, and getting sick is more expensive than seeing a doctor. In fact, "pet insurance" has already appeared in the market to help shovel officials ease the economic pressure. Next, let's talk about pet insurance today.
1. What risks may pets face?
Before talking about pet insurance, we need to know what risks pets may face, so that we can prescribe the right medicine and choose the right pet insurance.
1, pets are expensive to see a doctor.
Although every time I see a lovely pet, I feel very cured, but the price to pay is not small. After all, keeping pets is not cheap.
Let's work out an account. Pet food, toys, etc. It will cost at least a few hundred yuan. In case your pet gets sick, you must go to the pet hospital to see a doctor. The cost ranges from thousands to tens of thousands. Pets are troublesome and expensive to see a doctor. In fact, there are several reasons:
① Expensive drugs: Veterinary drugs have high entry barriers and low output, and even some drugs need to be imported;
② Difficulty in diagnosis: pets can't express what's wrong with their bodies, and can only find abnormalities through the observation of pet doctors and owners, and often need further diagnosis to determine the cause of pets.
(3) Expensive inspection: The pet hospital has no national financial support, and the pet testing instruments can only be maintained by the operators themselves.
In fact, how to take good care of pets is really a science. The bad guys don't know much about it, and they don't have enough awareness of pet health care. Even if the pet is uncomfortable, it is difficult for the owner to find it. When going to a pet hospital for treatment, it is not only painful but also expensive to watch a lovely pet suffer.
2. Although cute, it still hurts.
Although cats and dogs are cute, they should not be underestimated when they lose their temper. I often see a dog biting the road on the news, which is not good for the injured and the owner.
In fact, the above two problems are not difficult, and choosing pet insurance can solve the problem.
2. What are the pet insurance policies? What can be guaranteed?
At present, pet insurance can be divided into two categories, one is pet medical insurance and the other is pet liability insurance.
Pet medical insurance is mainly to solve the problem of seeing a doctor for pet cats and dogs, and the guarantee period is one year. Once the pet gets the agreed disease and goes to the designated hospital for treatment, the corresponding medical expenses can be reimbursed.
Pet liability insurance is mainly aimed at the risk of pet dogs attacking or biting others. If the pet causes property damage or personal injury to others, the pet liability insurance will compensate the pet owner according to the contract at this time to reduce the loss of the pet owner. Similarly, the guarantee period is also one year.
Another kind of insurance, which is relatively rare in China, is pet consignment insurance. Similar to the express insurance service, it bears the risk of accidents and deaths that may occur during pet consignment.
Third, how to choose pet insurance?
We sorted out the selection manual of pet insurance and learned how to choose the right insurance for pets together:
1, Selection Skills of Pet Medical Insurance
First of all, it depends on how many diseases can be guaranteed. Generally speaking, the more diseases, the better, and the more comprehensive the protection will be;
② Pay attention to whether high-incidence diseases such as colds, gastroenteritis and skin diseases are covered;
3 See if there is any health notice, and the looser the health notice, the better;
(4) According to the specific compensation amount and compensation limit, the more compensation, the better.
⑤ Before insurance, do you want to take your pet for a physical examination?
2. Selection skills of pet liability insurance
① See what animals are protected: some only protect dogs, but not cats.
② See if relevant certificates are needed.
(3) Depending on whether the security is complete, some can only provide medical expenses, excluding casualties and property losses.
If you are worried about your pet getting into trouble, try to buy a higher amount of insurance, and be sure to bring a leash when you go out. Because some terms are that if the same kind of animals are injured or killed, they will not be paid. In the vernacular, if your dog bites someone else's dog, this situation will not pay; Besides, if a dog accidentally bites someone,
After the victim reported to the police, he said that he needed 20,000 yuan in compensation, as well as lost time, which was generally not compensated. So, be sure to tie the rope for the dog when you go out ~
3. Selection skills of pet consignment insurance
In fact, it is a kind of pet consignment service, similar to the delivery fee paid by our daily express delivery. Generally speaking, the consignment amount of pets ranges from 5000 yuan to 50000 yuan. How much it costs depends on the weight, breed and distance from the starting point to the destination of the pet. Not every pet can guarantee it. Many airlines will not accept short-nosed dogs like Bugs and Fadou, so they can only transport them by car. The automobile transportation company shall not bear any responsibility for any accident in the process of automobile transportation.
Finally, I would like to remind you that you should read the insurance clauses carefully before buying any insurance, especially the exemption clauses.
4. What should I pay attention to in pet insurance?
Because pet consignment insurance is relatively rare, here are some matters needing attention in choosing pet medical insurance and pet liability insurance:
1, pay attention to whether there are conditions.
① Pet medical insurance
Judging whether there is an age limit, some pet medical insurance has restrictions on the age of pets. Before buying insurance, you should see if your pet is insured. Secondly, it depends on whether there are restrictions on regional cities. Some products are to be treated in the medical institutions agreed in the contract, not to say that they can be purchased and used in any city; In addition, depending on the types of animals, some pets are used for training and transportation. Or Tibetan mastiffs, Afghan hounds, etc. , does not belong to the category of pets; In addition, pay attention to whether insurance requires a quasi-raising certificate, animal health immunization certificate, etc. Some also require pets to be injected with chips and vaccines.
② Pet liability insurance
Pet liability insurance has also made corresponding restrictions on insurance, such as whether there is a license to keep pets or an animal health and immunity certificate according to the type and use of pets.
2. Pay attention to the exemption clause
Generally speaking, pet medical insurance will not compensate in the following situations: past diseases; Intentional behavior of the insured; Surgery such as cosmetic sterilization; Pet pregnancy and childbirth; Congenital diseases of pets; Taking, smearing or injecting drugs to pets without the doctor's permission.
② For pet liability insurance, no compensation will be paid in the following cases: causing injuries to other animals; Causing casualties or property losses to other family members or employees.
3, in terms of claims, pay attention to whether there are restrictions.
Generally speaking, the amount of claims for pet insurance should be paid attention to whether it is in the absolute deductible, the proportion of claims, the limit of single claims, and the total annual insured amount, so as to avoid disputes when making claims. In addition, in terms of pet medical insurance, you must pay attention to seeing a hospital, because you can only be reimbursed if you see a doctor in an institution designated by an insurance company. Secondly, we must pay attention to the scope of protection when purchasing. Generally speaking, the more comprehensive the protection, the better.
Fifth, write it at the end.
In fact, for many people, pets are not only pets, but also an important member of the family, who can share our joys and sorrows. Therefore, if the owner has completed the insurance, he can also complete the insurance for the lovely pets at home.