How to buy medical insurance for ragdoll cats (1)

How to buy medical insurance for ragdoll cats (1)

It is very expensive to raise a ragdoll cat. Let me digress and talk about how to buy medical insurance for cats!

Raising a cat requires not only money, but also a lot of RMB.

Not to mention the necessary expenses such as regular medication, food and toys.

If a cat gets sick, three or four thousand yuan will be gone; if it bites or scratches someone, thousands or tens of thousands will be gone.

In countries with developed pet industries, 40%-50% of pets have purchased insurance:

Sweden: The pet insurance coverage rate is 40%, which is the country with the highest coverage rate in the world;

Japan: The coverage rate is 6%-7%, ranking first in Asia. However,

pet insurance in China is very niche. Chinese people are not even active in buying insurance for themselves, let alone for their pets.

I have many friends who treat their pets as their children and invest a lot of energy and emotion in them.

In any case, if you have a pet, it is a member of the family and needs us to treat it seriously and be responsible for its life.

However, the high medical expenses for illness and compensation for biting others, etc., all have to be borne by the owner, which is quite stressful…

There are some pet medical insurances on the market now. Which one is worth buying? The more expensive the better? How to distinguish true and false pet insurance? Can these insurances really help shit shovelers share risks?

How much medical expenses can pets save when they are sick? Is pet liability insurance worth buying? How to choose a reliable hospital when your pet is sick? How to save money on pets?

Today, Shenlanjun will evaluate it in detail with you!

The article is a bit long~ If you can’t finish reading it, you can collect it first and study it slowly when you have time; but don’t just collect it without liking it, and don’t forget to read it!

1. What are the risks of raising pets?

If you want to suffer, you can only suffer yourself, and you can’t be poor. But there are two fears of raising pets: fear that it will get sick and fear that it will get into trouble.

1. It is difficult to see a doctor and it is expensive to see a doctor.

When pets get sick, we not only worry about where to go for treatment, but also worry that our wallets can’t afford it. Once it comes down, it can be as little as a few hundred, or as easy as thousands or tens of thousands.

Xiao Dai is a friend of Shenlanjun. Her cat was recently infected with feline plague. The treatment cost more than 3,000 yuan, which made people say that they could not afford it…

The main reasons for the difficulty and high cost of seeing a pet doctor are as follows:

Scarcity of practicing veterinarians: Veterinarians are a relatively niche profession, and the level of doctors varies.

Independent pricing: There is no unified pricing standard in the pet medical industry, and there is a phenomenon of random charging.

Expensive inspection fees: Pet hospitals do not have national financial support, and the purchase of equipment depends entirely on the operator’s own pocket, which is costly.

Many inspection items: Pets cannot speak, and conclusions can only be drawn through various tests.

Expensive drugs: The entry threshold for veterinary drugs is high, and there are few manufacturers and low output. Drugs with the same ingredients can be 10 times more expensive than human drugs.

In this way, seeing a pet doctor is a big problem.

2. Pets injure people, and there are many hidden dangers

. In recent years, incidents of pets injuring people have occurred from time to time. Even if it is just a small scratch or bite, the cost of rabies vaccine alone will at least be several hundred or thousands of yuan.

In order to solve the above two major risks, pet insurance has also come into being. There are two main categories:

Pet medical insurance: can reimburse medical expenses.

Pet third-party liability insurance: compensation for personal injury, medical expenses, and property losses caused by pets attacking others.

However, the current insurance penetration rate in China is not high. Many people do not have insurance themselves, and even fewer people buy insurance for their pets.

On the other hand, for friends who are aware of insurance, they find it is not an easy thing to buy insurance for their pets.