Raws li ib haiv neeg, Asmeskas yog tsiaj nyiam. Hauv 2022, nws tau tshaj tawm tias 69 lab tsev neeg muaj tsawg kawg yog ib tus dev, thiab 45 lab lub tsev muaj tsawg kawg yog ib tus miv. Qhov ntawd yog ntau tus tsiaj, thiab tag nrho cov tsiaj no yuav tau mus ntsib kws kho tsiaj ib xyoos ib zaug thiab ib zaug hauv lawv lub neej thaum muaj xwm txheej ceev (nqi $2,000-$4,000).
Kev tuav pov hwm tsiaj yog ib qho tseem ceeb tshaj plaws uas koj tuaj yeem ua rau koj tus phooj ywg furry, vim nws tsis yog tsuas yog ua rau koj muaj kev thaj yeeb nyab xeeb yog tias qhov tsis xav tau tshwm sim tab sis kuj yuav siv lub siab nyiaj tam sim ntawd thiab cawm koj ntawm kev txiav txim siab nyuaj raws li ntawm kev kho mob dab tsi koj tuaj yeem them tsis tau rau koj tus tsiaj uas koj hlub.
Qhov tseem ceeb ntawm kev pov hwm tsiaj
Nrog kev saib xyuas kev noj qab haus huv raug nqi $ 800 toj ib xyoo rau cov dev noj qab haus huv, nws tsis xav tsis thoob tias kev pov hwm tsiaj tau nce hauv Asmeskas. Rau cov miv, tus nqi ntawm ib tus menyuam miv hauv thawj xyoo tuaj yeem ntau npaum li $ 1, 174, nrog $ 600 yog tus nqi txhua xyoo. Nrog miv tam sim no niaj hnub ua neej nyob tshaj 15 xyoos, koj tuaj yeem pom qhov no ntxiv li cas.
Aub yog txiv neej tus phooj ywg zoo tshaj plaws, thiab tus nqi ntawm tus dev lub neej feem ntau tsis tshua muaj kev kwv yees. Tus nqi ntawm tus dev me dhau nws lub neej yog nyob ib puag ncig $ 15, 051 (raws li cov tsiaj me nyob txog 15 xyoo), nrog rau cov dev nruab nrab raug nqi txog $ 15, 782 thiab dev loj $ 14, 480, raws li.
Qhov no yog ib qho nyiaj ntau heev rau txhua tus, thiab nrog tus nqi nce ntawm txhua yam ntawm cov khoom noj tsiaj mus rau kev caij nkoj, xyuas kom koj tus tsiaj muaj kev pov hwm txaus yog qhov yuav tsum tau ua. Tab sis koj yuav tsum mus pov hwm dab tsi?
Tau qhov sib npaug zoo ntawm qhov kev pab them nqi, txiav tawm, thiab tus nqi them yog qhov tseem ceeb. Peb yuav qhia meej meej txog qhov koj tuaj yeem xav kom them kom tau qhov kev nyab xeeb tseem ceeb no rau koj tus tsiaj.
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
Puas yog ASPCA Pet Insurance Tus Nqi?
Saib rau ntawm ntug dej hiav txwv sab hnub poob, East ntug dej hiav txwv, thiab Midwest, peb muaj cov lus hais los ntawm ASPCA lub vev xaib kev tuav pov hwm los muab lub tswv yim meej rau koj txog qhov nws yuav raug nqi them rau koj tus tsiaj.
Ntau yam tuaj yeem cuam tshuam tus nqi ntawm txhua txoj cai pov hwm tsiaj, suav nrog cov los ntawm ASPCA. Cov no suav nrog hnub nyoog thiab hom tsiaj ntawm koj tus tsiaj, hom tsiaj ntawm koj tus tsiaj, qhov chaw koj nyob hauv Tebchaws Meskas, thiab qib twg koj xav tau.
Txoj kev tawg, peb piv cov nqi ntawm kev tuav pov hwm rau tus dev vs. miv thiab cov nqi ntawm tib theem ntawm kev pab them nqi rau tus qauv thoob plaws sab hnub tuaj thiab sab hnub poob ntug dej hiav txwv thiab Midwest. Peb kuj tau saib qhov sib txawv ntawm kev yug me nyuam thiab qib kev pab them nqi.
Cov lus hauv qab no siv tus txiv neej Labrador Retriever uas muaj hnub nyoog 5 xyoos thiab ib tug txiv neej sib xyaw miv ntawm 5 xyoos ua ib qho piv txwv rau kev sib piv thoob plaws Teb Chaws Asmeskas, qhia cov nqi rau tib theem ntawm kev pab them nqi. Qhov no yog qhov nruab nrab ntawm Qhov Kev Pab Them Tag Nrho thiab Kev Teeb Meem nkaus xwb, nrog rau $ 4,000 txhua xyoo txwv, $ 250 txiav tawm, thiab 80% kev pab
| Pet Type | East Coast | Midwest | West Coast |
| Dog (Labrador Retriever, 5 YO) | Complete Coverage: $67.63 | Complete Coverage: $52.87 | Complete Coverage: $57.89 |
| Accident Only: $26.03 | Accident Only: $19.17 | Accident Only: $21.54 | |
| Cat (mixed, 5 YO) | Complete Coverage: $22.64 | Complete Coverage: $15.46 | Complete Coverage: $19.42 |
| Kev Nyuaj Siab Tsuas yog: $16.11 | Accident Only: $11.42 | Accident Only: $13.51 |
Cov ntaub ntawv no qhia tau hais tias kev pab them nqi rau tib tus tsiaj tib lub hnub nyoog, hom, hom, thiab qib kev pab them nqi uas nyob rau sab hnub tuaj ntug dej hiav txwv yuav raug nqi yuav luag $ 10 ntxiv rau ib hlis rau tib tsiaj nyob rau sab hnub poob.
Lub hnub nyoog ntawm koj tus tsiaj yam nyob rau hauv thiab cuam tshuam tus nqi ntawm kev tuav pov hwm loj, raws li qhia nyob rau hauv cov quotes peb sau rau tib hom miv thiab dev nyob rau hauv tib cheeb tsam tab sis classed li "cov laus" (10 xyoo rau dev, 11 xyoos rau miv):
| Pet Type | East Coast | Midwest | West Coast |
| Dog (Labrador Retriever, 10 YO) | Complete Coverage: $135.20 | Complete Coverage: $123.46 | Complete Coverage: $158.63 |
| Cat (mixed, 11 YO) | Complete Coverage: $54.78 | Complete Coverage: $43.61 | Complete Coverage: $63.86 |
Peb kuj saib qhov sib txawv ntawm cov tsiaj. Rau 5-xyoo-laus Persian miv (ib tug brachycephalic yug muaj teeb meem ua pa thiab qhov muag), tus qauv Kev Pabcuam Ua tiav yuav raug nqi $ 28.87 ntawm East Coast thiab nce mus rau $ 81.41 rau 11-xyoo.
Cov nqi ntxiv rau kev cia siab
Muaj cov ntsiab lus sib txawv los txiav txim siab thaum tshem tawm txoj cai pov hwm ntawm koj tus tsiaj. ASPCA muaj cov kev pabcuam kho tau zoo heev, uas yog qhov zoo heev rau kev kho koj txoj kev npaj kom haum rau koj thiab koj tus tsiaj zoo kawg nkaus, tab sis cov lus thiab cov txheej txheem tuaj yeem nyuaj rau kev taug kev.
Thaum saib kev tuav pov hwm, qhov feem pua ntawm cov nyiaj them rov qab yog qhov tseem ceeb, vim tias tus nqi them rov qab qis dua, tus nqi them txhua hli yuav qis dua. Qhov no yog qhov zoo rau qee tus tab sis tuaj yeem yog tus nqi ntxiv hauv qhov xwm txheej tsis zoo uas koj yuav tsum tau thov koj tus tsiaj kho mob, vim tias koj yuav tsum them tus nqi ntxiv.
Siv peb cov lus Labrador ua piv txwv, yog tias koj lub 5-xyoo-laus Lab xav tau kev phais uas yuav raug nqi $ 1,000, thiab koj txoj cai ASPCA npog 80% (xav tias qhov kev txiav tawm tau them - peb yuav them rau qhov ntawd hauv qab no), qhov no txhais tau hais tias ASPCA yuav them $800, nrog rau $200 ntxiv yog them los ntawm koj.
Qhov no yog kho tau, zoo li feem ntau ntawm lwm qhov ntawm ASPCA Ua tiav txoj kev npaj them nqi, tab sis nws yuav cuam tshuam rau koj tus nqi them txhua hli. Rau peb Labrador, qhov ntawd txhais tau tias yog 90% tau them rov qab, tus nqi them txhua hli yuav yog $68.11.
Ib yam muaj tseeb rau qhov txwv txhua xyoo thiab qhov txiav tawm txhua xyoo. Qhov txwv txhua xyoo yog qhov nyiaj siab tshaj plaws uas txoj cai yuav them rau cov nqi kho mob hauv lub sijhawm pov hwm ntawd. Lub sijhawm feem ntau yog 12 lub hlis; Piv txwv li, raws li txoj kev npaj no, peb lub chaw kuaj mob muaj qhov siab tshaj plaws txhua xyoo ntawm $ 4,000.
Yog hais tias ib qho ntawm nws cov kev kho mob yuav tsum tau them tag nrho cov nqi tshaj li tus nqi, tus tswv yuav them tus so. Qhov no tuaj yeem ua rau poob siab yog tias tsis muaj hmoo mus ntsib kws kho tsiaj tuaj ntau dua li koj tau them, yog li xav txog qhov xwm txheej no thaum kho koj txoj kev npaj.
Txoj kev txiav tawm tsawg dua qhov xav tsis thoob tab sis tseem yog tus nqi ntxiv. Koj yuav tsum tau them tus nqi txiav tawm txhua xyoo rau daim nqi vet ua ntej ASPCA them tawm; Hauv peb cov ntaub ntawv Labrador, qhov no yog $ 250. Qhov no kuj yog adjustable, nrog ib tug ntau dua deductible txo tus nqi txhua hli. Piv txwv li, ib qho $ 500 txiav tawm rau peb Labrador yuav ua rau tus nqi qis qis rau $ 46.05.
Ntev npaum li cas Kuv Yuav Tsum Pov Hwm Kuv Tus Tsiaj Rau?
Kev pov hwm tsiaj yog qhov tseem ceeb rau lub neej ntawm koj tus tsiaj. Nws yog kev cog lus kom lawv noj qab nyob zoo. Ntawm qee cov ntsiab lus hauv lawv lub neej, kev mob, kev raug mob, lossis kev raug mob yuav tshwm sim uas yuav xav tau kev kho mob, uas ASPCA txoj cai pov hwm yuav pab tau.
Rau cov menyuam dev nyob rau hauv Teb Chaws Asmeskas, cov nqaij mos raug mob yog feem ntau yog vim li cas lawv cov tswv coj lawv mus ntsib kws kho tsiaj, nrog rau txhua qhov kev mus kho mob nqaij mos raug nqi $ 200 - $ 400 rau X-ray los txiav txim qhov mob pob txha. thiab mus txog $2,500 rau kev kho qhov txhab.
Nyob rau hauv cov dev laus, tshuaj lom yog tus thib ib yog vim li cas cov tswv coj lawv cov dev mus rau qhov chaw kho mob xwm txheej ceev, nrog rau cov neeg ua txhaum saum toj kawg nkaus yog theobromide (chocolate), dos, lossis txiv hmab toxicity. Tus nqi kho mob tshuaj lom neeg tuaj yeem nyob ntawm $ 50 txog $ 5,000, nyob ntawm seb qhov kev kho mob twg xav tau rau dev thiab miv.
Hauv miv, feem ntau yog vim li cas rau kev mus ntsib kws kho mob xwm txheej ceev yog kev raug mob los ntawm lub caij nplooj zeeg siab (lossis 'high-rise syndrome'), uas nyob ntawm qhov hnyav, tuaj yeem raug nqi txog $ 6,000 rau kev kho mob.
Cov laus muaj tej yam mob uas lawv yuav muaj (raws li peb txhua tus ua thaum muaj hnub nyoog laus), nrog rau mob caj dab yog cov mob uas feem ntau kho rau cov dev laus hauv Teb Chaws Asmeskas (uas raug nqi $ 324 ib xyoos los kho) thiab mob ntev. Kab mob raum hauv miv, uas yuav cuam tshuam rau 30% ntawm cov miv uas muaj hnub nyoog 10 xyoo thiab raug nqi $ 649 ib xyoos.
ASPCA Pet Insurance Cover yog dab tsi?
ASPCA muaj kev pab them nqi zoo rau ob tus miv thiab dev, thiab nws tsis suav nrog lwm tus neeg muab kev pabcuam. Ntawm no yog ib tug ceev rundown ntawm dab tsi yog thiab tsis them, tab sis qhov no tsis yog ib daim ntawv teev tag nrho. Nplooj ntawv txoj cai thiab qauv txoj cai muaj ib daim ntawv teev tag nrho ntawm kev cais tawm.
The Complete Coverage Plan npog:
- Kev raug mob xws li kev raug mob, lub cev txawv teb chaws, thiab lom
- mob xws li mob cancer thiab ntshav qab zib
- Hloov thiab cov kab mob hauv lub cev uas qhia cov tsos mob tom qab lub neej
- Lwm txoj kev kho mob xws li hydrotherapy lossis acupuncture
- Txoj kev coj cwj pwm
- Chronic conditions
- Tshuaj thiab Tshuaj
- zaub mov noj
- Microchipping
Cov phiaj xwm no tsis suav nrog:
- Pre-existing conditions
- Cov zaub mov tsis yog tshuaj los yog zaub mov kom poob phaus
- Ntshai txog kev yug me nyuam
- cov txheej txheem kom hniav zoo nkauj, xws li tail docking
Txoj kev npaj no kuj tsis them rau kev tiv thaiv kev kho mob xws li tshuaj tiv thaiv. Txawm li cas los xij, kev tiv thaiv kev kho mob ntxiv tuaj yeem suav nrog rau tus nqi ntxiv txhua lub hlis.
Cov phiaj xwm xwm txheej nkaus xwb suav nrog kev raug mob xws li kev raug mob, raug lom, lub cev txawv teb chaws, lossis kev raug mob nkaus xwb.
Nrhiav Cov Tuam Txhab Pov Hwm Zoo Tshaj Plaws hauv 2023
Conclusion
ASPCA tsiaj ntawv pov hwm npog ntau yam teeb meem rau koj tus tsiaj thiab muaj kev hloov pauv, kho kom haum raws li koj thiab koj tus tsiaj xav tau. Muaj cov add-ons ntxiv los tshawb nrhiav kev pab ntxiv, xws li kev tiv thaiv kev kho mob. Thaum tus nqi cuam tshuam los ntawm kev yug me nyuam, hnub nyoog, thiab thaj chaw nyob, qhov yooj yim-rau-siv online quote system tuaj yeem qhia rau koj raws nraim li cas nws yuav raug nqi kom pov hwm koj cov plaub hau, plaub-legged phooj ywg.
