Pet insurance tsis txawv ntawm lwm hom. Tus nqi sib txawv ntawm theem pib los ntawm kev pheej hmoo, txawm tias nws nyob qhov twg, koj hnub nyoog, lossis koj keeb kwm thov. Nws zoo ib yam nrog cov tsiaj; tsuas yog yam xws li yug me nyuam, thaj chaw, thiab lub neej theem kuj yog ib feem ntawm kev sib xyaw. Kev lag luam ua lub luag haujlwm, ib yam nkaus, ua rau tus nqi ntawm kev nyob lwm qhov kev xav ntawm tus nqi.
Raws li Pawlicy Advisor, tus nqi nruab nrab txhua hli rau kev tuav pov hwm tus tsiaj rau tus dev los ntawm lub xeev yog li ntawm $ 33.97 hauv Wyoming txog $ 61.29 nyob California. New York muaj qhov thib ob siab tshaj plaws ntawm $ 61.05. Cov nqi them txhua hli rau cov miv yog ze li ib nrab ntawm cov dev, mus ntawm $ 19.35 hauv Wyoming mus rau $ 31.97 hauv California. New Yorkers them $30.30 ntawm qhov nruab nrab.
Qhov tseem ceeb ntawm kev pov hwm tsiaj
Thaum kev pov hwm tsiaj nyob ib puag ncig ib ntus, nws tau siv me ntsis rau cov tswv kom dhia mus rau hauv lub bandwagon. Raws li North American Pet He alth Insurance Association (NAPHIA), tsuas yog 3.45 lab tus tsiaj los yog 3% ntawm tag nrho cov miv thiab dev hauv 114.3 lab tus tsiaj muaj tsev neeg tau txais kev pov hwm.
Nws yog qhov tseeb tias cov nqi kho tsiaj tsis yog tus nqi tseem ceeb hauv ntau xyoo. Lub koom haum American Pet Products Association kwv yees tias nws khiav txog $ 700 thiab $ 379 ib xyoos ib zaug rau dev thiab miv, feem. Muab piv nrog qhov nyiaj pov hwm tus nqi nruab nrab ntawm $585 thiab $251 ib xyoos. Kev tuav pov hwm tus tsiaj yog ib qho kev siv nyiaj tsim nyog thaum koj xav txog tus nqi ntawm kev saib xyuas tsis tau npaj txhij.
Raws li CareCredit, tus nqi nruab nrab ntawm kev phais los kho qhov anterior cruciate ligament (ACL) tsim kua muag hauv tus dev lossis miv tuaj yeem raug nqi ntawm $ 3,500 txog $ 5,000. Yog tias koj tus tsiaj nqos ib yam khoom txawv teb chaws, koj tuaj yeem cia siab tias yuav tau them ntawm $ 800 txog $ 7,000 rau cov txheej txheem. Kev tuav pov hwm tus tsiaj npog cov xwm txheej no yuav ntau dua li kev nqis peev.
Puas Muaj Nyiaj Pov Hwm Tus Tsiaj Hauv NY Tus Nqi?
Kev pov hwm tsiaj txawv raws hnub nyoog thiab hom tsiaj ntawm koj tus tsiaj. Yog koj tus dev lossis miv nyob, nws yuav muaj kev noj qab haus huv ntau dua. Qee cov tsiaj kuj tseem muaj feem cuam tshuam rau cov kab mob tshwj xeeb, uas tseem cuam tshuam txog tus nqi. Nws tsim nyog sau cia tias qee tus kws kho mob yuav tsis them rau cov xwm txheej no. Feem ntau tsis muaj kev pab them nqi kho mob ua ntej, xws li.
Txhais tau tias nws tsis yog qhov teeb meem ntawm tus neeg tuav pov hwm ua neeg tsis zoo. Tom qab tag nrho, kev tuav pov hwm tsiaj yog kev lag luam, ib yam nkaus. Lub qhov rais rau kev sau nqi yog ntau me dua nrog cov tsiaj piv rau tib neeg, li no, cov kev txwv ntxiv. Kev tuav pov hwm kuj yuav txawv raws li tus tsiaj lub hnub nyoog thiab qhov chaw koj nyob raws li qhia ntawm no.
| Txiv neej | Age | City-Nqi |
| Labrador Retriever | 6 hli |
Albany (12209) – $36.96 Buffalo (14201) – $36.96 New York City (10015) – $61.01 |
| Labrador Retriever | 5 xyoos |
Albany (12209) – $49.11 Buffalo (14201) – $49.11 New York City (10015) – $81.55 |
| Yorkshire Terrier | 6 hli |
Albany (12209) – $22.36 Buffalo (14201) – $22.36 New York City (10015) – $36.39 |
| Yorkshire Terrier | 5 xyoos |
Albany (12209) – $27.71 Buffalo (14201) – $27.71 New York City (10015) – $45.41 |
| Kab Shorthair Cat | 6 hli |
Albany (12209) – $15.48 Buffalo (14201) – $15.48 New York City (10015) – $24.75 |
| Kab Shorthair Cat | 5 xyoos |
Albany (12209) – $17.99 Buffalo (14201) – $17.99 New York City (10015) – $29.01 |
| Persian | 6 hli |
Albany (12209) – $18.83 Buffalo (14201) – $18.83 New York City (10015) – $30.42 |
| Persian | 5 xyoos |
Albany (12209) – $18.83 Buffalo (14201) – $18.83 New York City (10015) – $30.42 |
Source:
Saib qhov sib txawv ntawm qhov chaw koj nyob hauv New York ua rau miv thiab dev. Nyob hauv NYC ze li ob npaug koj cov nqi hauv ntau qhov xwm txheej. Hnub nyoog kuj yog ib qho tseem ceeb, nrog cov nqi them nce ib nrab. Nws yog tsim nyog sau cia tias qhov tshwm sim tib yam no tsis tshwm sim nrog cov miv, txawm hais tias cov tsiaj ua lub luag haujlwm tseem ceeb. Txawm li cas los xij, cov khoom no tsis yog qhov tshwj xeeb rau New York.
Txawm hais tias koj nyob qhov twg los xij, kev saib xyuas tsiaj tsiaj zoo tuaj yeem raug nqi zoo nkauj. Daim phiaj xwm kev tuav pov hwm tus tsiaj sib npaug los ntawm lub tuam txhab xws li Lemonade los pab koj tswj cov nqi ntawd.
Cov nqi ntxiv rau kev cia siab
Insurance feem ntau ua haujlwm zoo li peb cov phiaj xwm kev noj qab haus huv. Qhov feem pua ntawm cov nyiaj them rov qab sib txawv nrog tus kws kho mob, feem ntau mus ntawm 70 mus rau 90%. Qee lub tuam txhab yuav muaj kev txwv lossis lub kaus mom ntawm tus nqi uas lawv them. Tau kawg, muaj qhov txiav tawm. Qhov ntawd tuaj yeem nyob ntawm $ 100 txog $ 1,000, nyob ntawm txoj kev npaj. Nws yog ib qho tseem ceeb los xyuas cov ntawv luam zoo thaum nws los txog rau tus nqi no.
Qee lub chaw muab kev pab muaj qhov txiav tawm txhua xyoo, hos lwm tus yuav muaj qhov sib txawv raws li qhov xwm txheej. Ntau lub tuam txhab tuav pov hwm muab lwm cov txiaj ntsig, xws li kev txo qis rau xyoo uas tsis muaj kev thov lossis ntau tus tsiaj luv nqi, uas tuaj yeem txuag koj qee cov nyiaj ntsuab hauv lub sijhawm ntev. Feem ntau cov tuam txhab tsuas yog pov hwm miv thiab dev. Txawm li cas los xij, Thoob Ntiaj Teb kuj tseem yuav txais cov tsiaj txawv txawv xws li noog.
Vim kuv yuav coj kuv tus tsiaj mus rau tus kws kho tsiaj?
Qee lub tuam txhab tuav pov hwm xav tau kev ntsuam xyuas txhua xyoo rau cov tsiaj uas lawv npog. Lawv feem ntau yuav thov pov thawj tias koj tau ua raws li nws. Lwm tus zam qhov xwm txheej no. Peb cov lus qhia yog kom nkag siab txog koj lub luag haujlwm thaum yuav khoom pov hwm tsiaj. Kev ua raws cai yuav ua kom ntseeg tau tias koj tsis tau txais daim ntawv thov tsis lees paub.
Cov kws kho mob feem ntau muab peb hom kev npaj: kev sib tsoo nkaus xwb, kev sib tsoo thiab mob, thiab kev pab them nqi kho mob. Thawj ob feem ntau tsis suav nrog kev saib xyuas kev tiv thaiv. Cov nuj nqis no poob rau hauv qeb ntawm tus nqi ntawm kev muaj tus tsiaj. Txawm li cas los xij, nws them nyiaj rau khw ncig rau kev pab them nqi, tshwj xeeb tshaj yog tias koj nyob hauv NYC.
Conclusion
Tshawb xyuas tus nqi ntawm kev tuav pov hwm tsiaj hauv New York qhia ntau lub ntsiab lus rau qhov kev pab them nqi no. Qhov chaw yog txhua yam. Nws ua rau kev txiav txim siab, muab tus nqi siab dua ntawm kev nyob. Nws kuj tseem qhia txog qhov pheej hmoo ntxiv ntawm kev muaj dev lossis miv hauv cheeb tsam nroog uas muaj kev pheej hmoo ntau ntxiv. Peb cov lus qhia yog tshawb fawb ua ntej koj yuav. Xav txog cov nuj nqis uas koj xav kom muaj kev pov hwm them.
