Yog tias koj txhawj xeeb txog koj tus tsiaj txoj kev noj qab haus huv, nws yog ib lub tswv yim zoo kom tau txais kev pov hwm tsiaj los ntawm lub tuam txhab koj tuaj yeem ntseeg tau, xws li United Services Automobile Association (USAA). Nrog nws, koj tuaj yeem tau txais kev txhawb nqa nyiaj txiag rau cov nqi kho mob hnyav thiab lwm yam kev siv nyiaj kho mob uas tsis xav txog.
Zoo li feem ntau cov cai pov hwm tsiaj, USAA yog raws li tus nqi them txhua hli. Tus nqi ntawm tus nqi them yog nyob ntawm hom kev pab them nqi uas koj xaiv, koj tus tsiaj lub hnub nyoog, lawv hom, kev noj qab haus huv, thiab lwm yam.
Yog li, yog tias koj tab tom nrhiav kev tuav pov hwm tsiaj zoo thiab xav tau qhov kwv yees ntawm qhov koj yuav tau them txhua hli, nyeem kom paub seb USAA tsiaj tuav pov hwm yuav raug nqi npaum li cas rau koj.
Qhov tseem ceeb ntawm kev pov hwm tsiaj
Kev tuav pov hwm tsiaj yog ib qho tseem ceeb rau kev ua kom muaj kev nyab xeeb thiab kev noj qab haus huv ntawm koj tsev neeg furry. Nws tiv thaiv koj tus tsiaj los ntawm cov nqi kho mob uas tsis tau pom dua, xws li kev kho mob xwm txheej ceev rau kev raug mob hnyav lossis mob ntev. Kev tuav pov hwm tus tsiaj kuj tuaj yeem pab tiv thaiv tus nqi ntawm kev saib xyuas niaj hnub, xws li txhaj tshuaj tiv thaiv, tshuaj xyuas, thiab ntxuav hniav.
Lwm qhov txiaj ntsig zoo ntawm kev pov hwm tsiaj yog kev thaj yeeb ntawm lub siab. Ntau tus tswv tsiaj txhawj xeeb txog kev npaj nyiaj txiag tsiaj txhu. Nrog rau txoj cai saib xyuas tsiaj, koj yuav tau them yog tias koj tus tsiaj muaj mob lossis raug mob thiab xav tau kev saib xyuas kim. Txawm li cas los xij, muaj ntau hom kev tuav pov hwm tsiaj, yog li nws yog ib qho tseem ceeb uas yuav tau ua koj cov kev tshawb fawb thiab nrhiav qhov uas haum koj cov kev xav tau zoo tshaj plaws.
USAA cov phiaj xwm kev tuav pov hwm tuaj yeem yog qhov kev xaiv zoo rau koj thiab koj tus tsiaj, yog li nyeem ntawv kom pom cov nqi nruab nrab txhua hli thiab ntxiv-ons rau dev lossis miv.
Lwm Sab Saum Rated Pet Insurance Tuam Txhab
Feem ntauOur rating:4.3 / 5 COMPARE QUOTES Most CustomizableOur rating:4.5 COMPARE / 5 COMPAREPeb qhov kev ntaus nqi: 4.0 / 5 COMPARE QUOTES
Tus Nqi Them Nqi Them Nqi USAA Pet Insurance?
Ua ntej, nco ntsoov tias USAA tsis muaj kev tuav pov hwm tsiaj ncaj qha. Lub tuam txhab ua haujlwm nrog nws tus khub, Embrace, rau kev tswj hwm cov cai pov hwm tsiaj. Ib qho txiaj ntsig tseem ceeb ntawm kev sib koom tes no yog tias koj tuaj yeem tau txais txog li 25% ntawm cov phiaj xwm kev tuav pov hwm, tab sis tsuas yog tias koj yog tus tswv cuab USAA.
Nyob rau hauv siab, ntawm no yog cov ntsiab lus kev pab them nqi.
Tus nqi nruab nrab txhua hli ntawm kev tuav pov hwm tsiaj nrog USAA yog kwv yees li $50 ib hlis rau dev thiab $20 ib hlis rau miv. Muaj tus nqi ntxiv txhua hli yog tias koj txiav txim siab ntxiv Txoj Kev Pabcuam Kev Noj Qab Haus Huv rau kev niaj hnub thiab kev tiv thaiv. Cov nqi sib txawv heev nyob ntawm koj qhov chaw nyob, nrog rau hnub nyoog, haiv neeg, poj niam txiv neej, thiab kev noj qab haus huv ntawm koj tus tsiaj.
Ob lub rooj no qhia tus nqi nruab nrab txhua hli rau ob tus dev thiab ob tus miv uas muaj hnub nyoog sib txawv thiab ntau hom. Tsis tas li ntawd, koj tuaj yeem pom tias tus nqi muab rau New York yog qhov siab dua li Ohio.
| Paj Nqes Rau Txiv Neej 1 | ||
| Accident & Illness Plan | ||
| Tub Ntsuag | Mixed Breed Cat | |
| Txiv neej los yog poj niam | Male | Male |
| Age | 3 Xyoos | 3 Xyoos |
| Location | New York (10005) | New York (10005) |
| Reimbursement Level | 80% | 80% |
| Txoj Kev Txiav Txim Txhua Xyoo | $500 | $500 |
| Nyob ib xyoos siab tshaj | $10,000 | $10,000 |
| Price Ib Hlis | $63.92 | $41.47 |
| Nyob zoo cov khoom plig | ||
| Nyob ib xyoos siab tshaj | $250 | $250 |
| Price Ib Hlis | $18.75 | $18.75 |
| Tag nrho Ib Hlis Tus Nqi | ||
| (Kev xwm txheej & mob nkeeg) | $82.67 | $60.22 |
| Sample of Prices for Breed 2: | ||
| Accident & Illness Plan | ||
| German Shepherd | Persian | |
| Txiv neej los yog poj niam | Female | Female |
| Age | 2 Xyoos | 2 Xyoos |
| Location | Ohio (44108) | Ohio (44108) |
| Reimbursement Level | 80% | 80% |
| Txoj Kev Txiav Txim Txhua Xyoo | $500 | $500 |
| Nyob ib xyoos siab tshaj | $10,000 | $10,000 |
| Price Ib Hlis | $54.27 | $24.09 |
| Nyob zoo cov khoom plig | ||
| Nyob ib xyoos siab tshaj | $450 | $450 |
| Price Ib Hlis | $35.42 | $35.42 |
| Tag nrho Ib Hlis Tus Nqi | ||
| (Kev xwm txheej & mob nkeeg) | $89.69 | $59.51 |
USA Pet Insurance Cover yog dab tsi?
Txheej xwm txheej xwm txheej thiab mob mob
USAA txoj kev npaj kev sib tsoo-thiab-mob rau dev thiab miv npog cov teeb meem kev noj qab haus huv uas tsis xav txog.
Nws yuav them rau:
- Txiv kab mob tshwj xeeb
- chav xwm txheej ceev thiab kev saib xyuas tshwj xeeb
- Cancer kho
- Surgery, tsev kho mob, thiab kev saib xyuas neeg mob
- Chronic conditions
- Kev kho mob ntxiv thiab kho dua tshiab
- Congenital conditions
- tshuaj kho mob
- Diagnostic testing and imaging
- Kev coj cwj pwm kev coj cwj pwm
Accident-Tsuas Plan
Cov phiaj xwm xwm txheej nkaus xwb yuav them cov nqi kho mob cuam tshuam nrog kev raug xwm txheej thiab kev raug mob. Cov no tuaj yeem suav nrog cov pob txha tawg, plab, txiav, torn ligaments, lossis lacerations. Nws tsis suav nrog kev mob ntev, mob qog noj ntshav, kab mob hniav, lossis kab mob hauv lub cev.
Yog koj tus tsiaj muaj hnub nyoog 14 xyoos lossis laus dua, lawv tsuas tuaj yeem tau txais kev pab them nqi kho mob nkaus xwb.
Cov phiaj xwm xwm txheej nkaus xwb muaj cov hauv qab no:
| Txoj kev them nyiaj rov qab txhua xyoo: | $5,000 |
| Txhua xyoo txiav tawm: | $100 |
| Reimbursement feem pua: | 90% |
Kev Pabcuam Kev Noj Qab Haus Huv (Ntxiv-On)
USAA muab kev pabcuam kev noj qab haus huv los ntawm Embrace's Wellness Rewards. Nws muab cov phiaj xwm kev tiv thaiv yooj yim uas pab them koj tus tsiaj cov nqi saib xyuas niaj hnub. Cov nyiaj muaj nyob rau hnub uas tso npe kawm, thiab koj yuav tau them rov qab 100% mus txog qhov txwv txhua xyoo uas koj xaiv, uas nyob ntawm $250 txog $650.
Koj tuaj yeem ntxiv cov khoom plig zoo rau kev saib xyuas niaj hnub rau txhua txoj cai pov hwm thiab tau txais nyiaj rov qab rau:
- Vaccinations thiab titers
- Spay or neuter surgery
- Tshuaj, zuam, thiab kab mob plawv
- Microchipping
- Routine ntshav ua haujlwm
- Kev tu thiab kev cob qhia
Nrhiav Cov Tuam Txhab Pov Hwm Zoo Tshaj Plaws hauv 2023
Tus nqi txiav tawm
Txoj kev txiav tawm txhua xyoo yog tus nqi tas li uas koj yuav tsum tau them ua ntej koj tus neeg tuav pov hwm them rov qab cov nqi. USAA pet insurance deductibles ranges from $200 to $1,000. Qhov ntau dua qhov kev txiav tawm raug xaiv thaum xaiv qhov kev pab them nqi, tus nqi qis dua ib hlis thiab rov ua dua.
USAA muab kev txiav tawm zoo rau cov tsiaj noj qab haus huv. Yog tias koj nyob twj ywm thov dawb, koj qhov kev txiav tawm txhua xyoo yuav txo $ 50 txhua xyoo.
Txhua xyoo txwv
USAA tsiaj ntawv pov hwm muaj kev txwv txhua xyoo ntawm $30,000, uas yog siab heev rau kev lag luam.
Discounts
USAA kev tuav pov hwm tus tsiaj muaj kev txo nqi rau cov tswv tsiaj uas ua tau raws li cov xwm txheej hauv qab no:
- Ntau tus tsiaj: Yog tias koj tuav ob lossis ntau tus tsiaj, koj tau txais 10% luv nqi ntawm koj tus nqi txhua hli.
- Tub Rog: Cov tub rog tam sim no lossis yav dhau los cov tub rog ua haujlwm tau txais kev txo nqi 25%.
- USAA Cov Tswv Cuab: USAA Cov tswv cuab tau txais 15% luv nqi.
Reimbursement
Koj tuaj yeem xaiv tus nqi them rov qab ntawm 70%, 80%, lossis 90%. Qhov no txhais tau tias koj yuav xub them cov nqi cuam tshuam nrog koj tus tsiaj kev saib xyuas, tom qab ntawd xa daim ntawv thov hauv online lossis ntawm daim foos uas koj fax lossis xa mus rau USAA. Koj yuav tau them rov qab rau cov nqi uas poob rau hauv koj qhov kev pab them nqi kho mob.
Ua li cas USAA Pet Insurance tsis npog?
Cov tuam txhab pov hwm tsiaj feem ntau tsis them cov xwm txheej uas twb muaj lawm, suav nrog USAA. Nov yog cov npe ntawm lwm cov nuj nqis uas poob sab nraum USAA qhov kev pab cuam:
- Kev yug me nyuam, cev xeeb tub, thiab cev xeeb tub
- Kev mob tshwm sim los ntawm koj lossis lwm tus neeg lossis tsiaj nyob hauv koj lub tsev
- Kev raug mob lossis kev mob tshwm sim los ntawm kev sib ntaus sib tua, kev sib tw, kev ua phem, lossis kev tsis saib xyuas
- Cov txheej txheem kom hniav zoo nkauj, xws li tail docking, pob ntseg cropping, thiab dew claw tshem tawm, tshwj tsis yog tias yuav tsum tau kho mob
- DNA kuaj lossis cloning
- Stem cell kho tsis pom zoo kho mob
Tam sim no tseem muaj lub sijhawm tos tom qab koj tau txais daim ntawv pov hwm tshiab, uas txhais tau hais tias txoj cai yuav tsis them rau cov xwm txheej thiab cov mob uas tshwm sim lossis raug kuaj pom thaum lub sijhawm tos hauv qab no:
| Kab mob: | 14 hnub |
| Acidents: | 48 teev |
| Orthopedic mob: | 6 lub hlis (tsuas yog siv rau cov dev xwb, thiab kev kuaj mob orthopedic thiab cov txheej txheem zam tuaj yeem ua kom luv rau 14 hnub) |
Pros and Cons of USAA Pet Insurance
Pros
- Ntau yam kev txo nqi muaj
- Tsis muaj hnub nyoog txwv kom pov hwm koj tus tsiaj
- Muaj kev txo qis txhua xyoo yog tias koj nyob twj ywm thov dawb
- txheej txheem yooj yim xa daim ntawv thov online
- Txoj kev them nyiaj rov qab txhua xyoo txwv
- Covers kho tau ua ntej uas twb muaj lawm
- Koj tuaj yeem sab laj txhua tus kws kho tsiaj
- Qhov kev xaiv zoo rau cov tswv tsiaj uas xav tau kev pabcuam tob
- Muaj rau cov tub rog ua tub rog nyob txawv teb chaws
Cons
- Tsis npog kab kab txawv
- Tsis muaj kev pab them nqi unlimited
- Txoj cai tsis tswj hwm los ntawm USAA
- Tau kim heev nyob ntawm koj qhov chaw
- Yuav tsum yog tus tswvcuab USAA thiaj li tsim nyog tau txais kev txo nqi
Yuav ua li cas thiaj tau txais USAA Pet Insurance?
Thawj kauj ruam ntawm kev tau txais kev pov hwm tsiaj nyob USAA yog mus saib lub tuam txhab lub vev xaib. Nyob ntawd, koj tuaj yeem paub ntau ntxiv txog lub tuam txhab thiab cov phiaj xwm tshwj xeeb, suav nrog cov nqi them, cov ntsiab lus them nqi, thiab yuav pib li cas. Yog tias koj xav yuav daim ntawv pov hwm tus tsiaj los ntawm USAA, koj tuaj yeem pib daim ntawv thov txheej txheem los ntawm nias, "Tau ib nqe lus," ntawm lub vev xaib. Sau daim foos, thiab xa nws kom tau txais ib qho kev tsocai thiab txiav txim siab seb qhov kev pab them nqi twg yuav zoo tshaj rau koj tus dev lossis miv. Yog tias pom zoo, koj tuaj yeem kos npe thiab xa daim ntawv thov mus yuav ib txoj cai.
Nrhiav Cov Tuam Txhab Pov Hwm Zoo Tshaj Plaws hauv 2023
Conclusion
Zuag qhia tag nrho, USAA tsiaj tuav pov hwm muaj kev pab them nqi dev thiab miv ntawm tus nqi tsim nyog, tab sis nws feem ntau nyob ntawm koj qhov chaw thiab koj tus tsiaj yug tsiaj, hnub nyoog, thiab kev noj qab haus huv tag nrho. Tus nqi nruab nrab txhua hli yuav zoo dua yog tias koj dhau los ua tus tswv cuab USAA thiab tsim nyog tau txais cov nyiaj cheb.
Qhov tau hais tias, ib yam li lwm yam kev pov hwm txoj cai, txoj hauv kev zoo tshaj plaws kom tau txais txiaj ntsig zoo tshaj plaws ntawm koj txoj kev pov hwm tus tsiaj yog ua kom koj tus tsiaj noj qab nyob zoo. Los ntawm kev mus ntsib kws kho tsiaj tsis tu ncua, tau txais kev saib xyuas kev tiv thaiv, thiab nyob deb ntawm kev pheej hmoo coj tus cwj pwm, koj tuaj yeem xyuas kom meej tias koj tus tsiaj nyob ib puag ncig zoo. Txoj hauv kev zoo tshaj plaws los txhawb koj txoj cai yog ua ncaj ncees txog koj tus tsiaj cov kev pheej hmoo, ua raws li daim nqi, thiab tau txais kev kho mob sai li sai tau thaum muaj qee yam tsis raug. Nrog rau cov lus qhia hauv siab, koj tuaj yeem ua kom koj tus tsiaj noj qab nyob zoo thiab zoo siab thaum khaws cia hauv koj cov peev nyiaj.
