Keeping a pet is no less troublesome than raising a child. On weekdays, while we are happily "slapping cats and dogs", we should also take good care of our pets' daily life and attach importance to their health, just like our parents. We should not only carefully choose the food for cats and dogs, but also should not leave any physical examination or vaccine. However, once a pet is in trouble, injured and sick, besides feeling distressed, the wallet will inevitably hurt. Sucking cats and kicking dogs is the daily life of many shovel officers, but while keeping pets brings joy, risks can not be ignored, such as high medical expenses and compensation for biting others, which need to be borne by the owner. Of all the expenses of keeping pets, medical care is the big part. Once there is a minor illness, the cost of going to the pet hospital can be tens of thousands.
In fact, the history of keeping pets in China is very short, scientific pet keeping is not popular, and health care awareness is not enough. Necessary vaccination and deworming will be ignored. Pets have a little headache, fever and diarrhea. Some friends are convinced that they can be rejuvenated, so they look up information online and get some medicine for pets. In this way, many minor illnesses have worsened. I thought of the pet doctor when I found something wrong, but my condition was much more serious than I expected. Unknown pet owners often have the illusion of "medical fraud" because of doctors' correct diagnosis, which is a misunderstanding. Therefore, the usual immunization, health care and physical examination, seemingly ordinary, are the most economical and effective inputs.
All kinds of news about domestic pets attacking owners and passers-by must have been seen in news, Weibo and WeChat circle of friends. Cats and dogs in MengMeng are always lovable, but we should not forget that they sometimes get out of control. Once the injury event happens, it will be a very bad thing for both the breeder and the injured. Therefore, in order to solve the above two risks, pet insurance came into being.
Like life insurance, pet insurance has many rules and regulations. If you want to insure your owner's pet, you must pay attention to the following matters and ask the customer service for insurance clauses and other documents, so that you can buy it clearly and make a happy claim. We should consider the age of the pet, pay attention to the health requirements, pay attention to the variety restrictions, understand our main position in the insurance contract, understand the maximum amount of insurance, and read the insurance clauses carefully, especially the exemption clauses. Some so-called "pet insurance" in the market are not underwritten by insurance companies. Although these products are packaged like "insurance", they are actually just a "membership card" for pet medical institutions. When choosing protection for cats and dogs, you must choose the pet medical insurance underwritten by the insurance company.
All insurance companies in China are under the unified supervision of China Banking and Insurance Regulatory Commission. But the unsupervised "membership card" is very different: think about the gyms that run away, the closed beauty salons, and the carpooling examples that can't refund the deposit. You should understand the importance of supervision. Many pet insurance requires you to go to a designated hospital for reimbursement, so make sure which hospitals are covered. Secondly, it is recommended to call the insurance company to report the case before seeking medical treatment, especially in vague cases, and confirm with customer service whether it is within the scope of reimbursement. In addition, keep medical documents and medical records when seeking medical treatment. After seeing a doctor, you can apply for a claim as soon as possible.