How to buy medical insurance for ragdoll cats (2)

How to buy medical insurance for ragdoll cats (2)

2. What are the types of pet insurance and what are they used for?

Last month, an old man was tripped by a dog leash and died. Although the family did not pursue the responsibility in the end, if they really pursued the matter, I am afraid that the dog owner would have to pay a lot of money.

In fact, the most common pet injuries are cat scratches and dog bites, and a rabies vaccine shot costs hundreds of dollars.

In order to solve the above risks, there are special pet insurances on the market. If divided by the purpose and function of protection, insurance can be divided into two categories:

Pet liability insurance: If a pet bites someone or causes financial losses to others, compensation can be made through pet liability insurance to reduce the owner’s losses.

Pet medical insurance: Similar to adult medical insurance, if the pet is sick, it can also be reimbursed through medical insurance.

At present, there are relatively few people buying pet insurance in China, so from a positive perspective, the current situation should be called huge growth potential, and various insurance companies have made some attempts.

3. How to choose pet medical insurance?

Pet insurance is a very niche product. Not only are there few products, but also low stability. Some products are discontinued after a few months of sale.

Here, Deep Blue, with the attitude of “teaching people how to fish”, teaches you a few key points for selection, so as to cope with all changes.

Key point 1 for selection: Pay attention to the types of diseases

. The more types of diseases, the more comprehensive the protection. But in addition to looking at the types of diseases, it is also necessary to see whether they include high-incidence diseases.

Deep Blue obtained the following information on high-incidence diseases by consulting many senior people in the industry:

It is worth noting that the table only lists the average costs. In actual situations, medical expenses may be higher.

Taking intestinal foreign bodies as an example, in some cases, surgery is required to remove foreign bodies, and the cost will be more than 2,000 yuan.

Key point 2 for selection: How much can be compensated?

How much money can be reimbursed through pet insurance depends on the following aspects:

Single deductible: The single cost exceeds the deductible before reimbursement can begin. Single

claim limit: The maximum amount that can be claimed for a single medical treatment or a single disease is usually subject to the claim ratio limit. Annual cumulative insured

amount: Finally, it is also subject to the annual insured amount limit, and it cannot be reimbursed if it exceeds the limit.

There are many details to pay attention to here, and I have also compiled a table:

I suggest that you focus on how many diseases are covered and how much can be compensated:

How many diseases are covered: The more diseases, the better, and it is best to include high-incidence diseases, such as skin diseases, gastroenteritis, and plague.

How much can be compensated: Many products have limits, such as a maximum of 800 yuan each time, and the higher the better.

In addition, some products will also limit designated hospitals. Before buying, you must check whether there are any agreed clinics around your home.

There are many reimbursement restrictions for pet insurance, but in general, it can still help the owner share some risks.

4. Which pet medical insurance is worth buying?

Since there are very few pet insurances, through a carpet search, I finally found only 7:

If you want to reimburse without limiting the type of disease: Dadi Pet Medical can compensate for all spontaneous diseases, and the insured amount of 1,500 yuan is also relatively high; although the maximum compensation for each time is 800 yuan for Pet City Medical Insurance and Tai Chong Ai Pu Hui Card is 800 yuan, the price is also cheaper.

If you are worried about small, esophageal foreign bodies and other problems: you can consider the Tai Chong Ai Membership Card (Silver Card), which can reimburse 2,000 yuan per year.

If you care about accidental injuries: Ping An Cute Pet Insurance Love Edition has a coverage of 20,000 yuan for fractures, foreign bodies, skin organ injuries and other injuries caused by accidents. The price is relatively expensive.

It is necessary to remind everyone that some products with the title of pet insurance are not actually underwritten by insurance companies. They do not have policy numbers and terms. They are more like membership cards and discount cards in cooperation with hospitals.

It is recommended that you pay attention to this issue when purchasing insurance. If you are not sure, you can confirm with the insurance company.