In This Price Guide:Pricing|Cost Factors||Kev Pab Kho Mob|Lwm Yam Kev Pabcuam|Tus Nqi Ntxiv|ist Conditions
Introduction
Trupanion, tus tsiaj tuav pov hwm tis ntawm State Farm, yog ib lub tuam txhab pov hwm tsiaj loj tshaj plaws hauv Tebchaws Meskas. Hauv xyoo 2021, lawv tau raug suav tias yog 4th zoo tshaj plaws lub tuam txhab pov hwm tsiaj los ntawm Consumer Reports. Tus nqi ntawm State Farm tsiaj pov hwm yog ib qho nyuaj rau pin down vim nws nyob ntawm ntau yam ntawm tus kheej, nrog rau hom tsiaj koj muaj, koj tus tsiaj lub hnub nyoog, thiab qhov chaw koj nyob. Tseem, koj nyob ntawm no vim koj xav paub tus nqi! Yog li, nrog rau qhov ntawd, peb yuav rhuav tshem qhov tseeb State Farm Trupanion nqe lus thiab pom txhua yam nws suav nrog, suav nrog tus nqi.
Qhov tseem ceeb ntawm kev pov hwm tsiaj
Ua ntej peb dhia mus rau hauv tus nqi ntawm State Farm tsiaj pov hwm, nws yog ib qho tseem ceeb kom nkag siab tias vim li cas koj thiaj li xav tau kev pov hwm tsiaj hauv thawj qhov chaw. Tsiaj yog kim! Qhov tseeb, tus nqi ntawm kev muaj tus tsiaj tau nce ntau ntau nyob rau ob peb xyoos dhau los. Daim ntawv tshaj tawm xyoo 2017-2018 los ntawm American Pet Products Association pom tias cov neeg Asmeskas siv cov ntaub ntawv $ 69.5 nphom rau lawv cov tsiaj hauv xyoo 2017, uas tau nce los ntawm $ 66.75 billion xyoo ua ntej.
Thiab qhov kev hloov ntawd tsis zoo li yuav qeeb. Ib tsab ntawv tshaj tawm tsis ntev los no los ntawm lub koom haum pom tias cov neeg Asmeskas xav tias yuav siv $ 72.56 nphom rau lawv cov tsiaj hauv 2019. Yog li, qhov ntawd txhais li cas rau koj? Nws txhais tau hais tias tus nqi ntawm cov tswv cuab tsiaj tsuas yog nce mus ntxiv, thiab kev tuav pov hwm tus tsiaj tuaj yeem pab koj tawm ntawm cov nqi ntawd.
Piv txwv li, cia peb hais tias koj tus dev xav tau kev phais xwm txheej ceev. Tus nqi nruab nrab ntawm kev kho tsiaj thaum muaj xwm txheej ceev yog $800, tab sis nws tuaj yeem yooj yim ntau dua li qhov nyob ntawm qhov mob hnyav. Yog tias koj muaj ntawv pov hwm tsiaj, koj lub tuam txhab pov hwm yuav them rov qab rau koj rau ib feem ntawm tus nqi ntawd (feem ntau nyob ib ncig ntawm 70%). Yog li es tsis txhob tuaj nrog $800 tawm ntawm lub hnab, koj tsuas yog yuav tau them $240.
Tau kawg, kev tuav pov hwm tsiaj tsis yog rau xwm txheej xwm txheej ceev xwb. Nws tseem tuaj yeem pab them nqi kho mob niaj hnub, xws li txhaj tshuaj tiv thaiv, tshuaj xyuas, thiab ntxuav hniav. Thiab yog tias koj tus tsiaj muaj mob ntev, xws li ntshav qab zib lossis mob caj dab, kev tuav pov hwm tus tsiaj tuaj yeem pab koj tswj cov nqi ntawm kev kho mob mus tas li.
Tam sim no peb tau them cov hauv paus ntawm kev tuav pov hwm tsiaj, cia peb saib seb tus nqi pov hwm tsiaj nyob hauv Xeev Lub Tuam Txhab npaum li cas.
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 Them Nqi Ua Li Cas?
Vim tias txhua tus tsiaj tus nqi yuav txawv, nws yog ib qho tseem ceeb uas yuav tsum nco ntsoov tias rau cov lus qhia tshwj xeeb no, peb tau nkag mus rau ib qho chaw hauv Midwest United States, thiab tus dev yug thiab hnub nyoog - 16-hli Boxer. Peb tau txais tam sim ntawd ib nqe lus ntawm $87.23 ib hlis. Wb sib faib dab tsi qhov hwm no npog.
Nws yog ib qho tseem ceeb kom paub tias txhua tus nqi pib nrog koj qhov kev txiav tawm. Koj qhov kev txiav tawm yog qhov nyiaj koj them ua ntej, tawm ntawm lub hnab tshos, ua ntej daim ntawv pov hwm yuav them dab tsi. Xav txog qhov kev txiav tawm yog ib qho cuab yeej uas koj tuaj yeem siv los nce lossis txo koj cov nyiaj them los ntawm kev nce thiab txo tus nqi koj xav them tawm ntawm hnab ris. Qhov kev txiav tawm siab dua koj xaiv them, qhov nqi koj them txhua hli yuav qis dua.
Piv txwv li, ntawm no yog cov kev xaiv txiav tawm. Yog tias peb mus nrog txoj kev npaj uas muaj $ 87.23 tus nqi, peb yuav tau them $ 500 txiav tawm, lossis thawj $ 500 ntawm daim nqi vet, ntawm peb tus kheej ua ntej tau txais kev pab los ntawm lub tuam txhab pov hwm.
Thaum koj tau them koj qhov kev txiav tawm, Lub Xeev Farm Trupanion yuav them rov qab rau koj rau 90% ntawm daim nqi ntxiv, mus txog qhov nyiaj them siab tshaj plaws. Cia peb saib ib qho piv txwv ntawm qhov kev pab them siab tshaj plaws.
Example
Cia hais tias tus Boxer mus rau kws kho tsiaj nrog lub cev txawv teb chaws noj los yog noj ib yam dab tsi tus kws kho tsiaj tom qab yuav tsum tau phais tshem tawm. Yog tias qhov ntawd tshwm sim, Trupanion yuav them 90% ntawm daim nqi, mus txog $ 2, 856, tom qab txiav tawm. Yog li, hais tias koj daim nqi yog $ 3,000. Koj yuav tsum tau them $ 500 ua ntej, thiab tom qab ntawd ua daim ntawv thov rau Foreign Body Ingestion rau 90% ntawm qhov seem $2,500. Koj yuav tau them 10% kawg uas tseem tshuav.
Ntawm no yog lawv cov piv txwv, piv rau lwm yam kev tuav pov hwm tus tsiaj uas them rov qab 70% es tsis yog Trupanion 90%.
Yam Uas Ua Rau Tus Nqi Them Nqi Them Nqi Them Nqi Them Nqi Them Nqi Them Nqi Them Nqi Kho Mob
Yuav kom xaus, ntawm no yog cov yam ntxwv uas tuaj yeem cuam tshuam tus nqi ntawm Xeev Farm Trupanion kev tuav pov hwm tsiaj:
- Type of Pet
- Tus tsiaj yug thiab hnub nyoog
- xaiv tus nqi txiav tawm
- Xaiv kev pab them nqi / hom phiaj xwm
Raws li koj tuaj yeem pom, muaj ntau yam uas tuaj yeem ua si, uas yog vim li cas nws nyuaj rau muab ib qhov loj-haum-tag nrho cov lus teb raws li kev pov hwm tsiaj ntau npaum li cas los ntawm State Farm Trupanion tus nqi.
Cov Nyiaj Them Nqi Them Nqi rau Txoj Cai Muaj Xwm Ceev
Ntawm no yog ib qho piv txwv ntawm qhov kev pab them nqi uas Xeev Farm Trupanion yuav them rau cov xwm txheej tom qab koj tau them koj cov nyiaj txiav tawm.
| Accident Type | Cov Kev Pab Cuam Tshuam |
| Ntseeg lub cev ingestion | Txog $2,856 |
| Nkauj tawm tshiab | Txog $11,902 |
| Dog tom | Txog $5,240 |
| Tshuaj ntsuab | Txog $4,602 |
| Cruciate ligament rupture | Txog $7,760 |
| Qhov ncauj Injuries | Txog $4,745 |
Cov Nyiaj Them Nqi Them Nqi rau Txoj Cai Kho Mob
Tom ntej no, koj yuav pom cov kev txwv rau qee cov kab mob uas tau them rau hauv State Farm Trupanion insurance tom qab koj tau them koj cov nqi txiav tawm.
| Illness | Cov Kev Pab Cuam Tshuam |
| Pab mob plab | Txog $29,100 |
| Cov tawv nqaij mob | Txog $4,140 |
| Tshuaj mob | Txog $7,739 |
| pob pob ntseg | Txog $12,954 |
| Qhov muag mob | Txog $7,637 |
| loj los yog pob | Txog $13,692 |
| Cancer | Txog $21,644 |
Lwm Yam Tseem Ceeb
Dhau li ntawm cov xwm txheej thiab kab mob uas tau teev tseg saum toj no, tseem muaj lwm yam uas State Farm tsiaj pov hwm yuav them.
Piv txwv muaj xws li:
- Qee lub cev xeeb tub
- Qee yam mob tshwm sim
- Diagnostic testing (x-rays, bloodwork, etc.)
- Tsev zaub mov noj
Nco ntsoov tias qhov kev pab them nqi ntau dua koj xav tau, koj yuav them ntau dua ib hlis rau kev pov hwm tsiaj. Qhov no muaj tseeb ntawm txhua lub tuam txhab pov hwm tsiaj, tsis yog State Farm xwb.
Cov nqi ntxiv rau kev cia siab
Ntxiv nrog rau cov qauv kev noj qab haus huv rau kev sib tsoo thiab mob, muaj kev xaiv ntxiv nrog rau tus kws kho mob no.
Piv txwv li, koj tuaj yeem ntxiv "Rov qab thiab Kev Saib Xyuas Ntxiv" uas suav nrog tab sis tsis txwv rau:
- Acupuncture
- Kev hloov pauv tus cwj pwm
- Chiropractic
- Homeopathy
- Kev kho lub cev
Nco ntsoov tias cov no suav tias yog cov txheej txheem uas tsis yog kev kho mob thiab muab ntxiv rau yuav raug nqi ntxiv rau koj txhua hli.
State Farm pet insurance kuj tseem them rau qhov lawv xav txog "Pet Owner Assistance." Qhov no suav nrog tej yam xws li:
- Kev tshaj tawm thiab nqi zog rau cov tsiaj ploj
- Boarding
- Cremation or faus tus nqi
Puas Pov Hwm Tsiaj Pov Hwm Pov Hwm Cov Cai Ua Ntej?
Ib yam mob uas muaj nyob ua ntej yog txhua yam uas koj tus tsiaj muaj ua ntej koj txoj cai pov hwm tus tsiaj ua haujlwm. Feem ntau cov tuam txhab tuav pov hwm tus tsiaj kom tsis txhob them cov xwm txheej ua ntej. Thiab raws li cov ntaub ntawv txoj cai rau Lub Xeev Farm Trupanion, cov xwm txheej ua ntej tsis raug them.
Pet Insurance Ua Haujlwm Li Cas Thaum Kuv Yuav Tsum Siv Nws?
Muaj ob txoj hauv kev siv State Farm Trupanion thaum koj xav tau. Thawj yog them koj daim nqi, ces xa daim ntawv thov. Thaum pom zoo lawm, koj yuav tau txais ib daim tshev nyob rau hauv xa ntawv rau tus nqi pom zoo.
Txoj kev thib ob yog them nyiaj ntawm koj tus kws kho tsiaj lub chaw haujlwm. Trupanion muaj nws tus kheej software uas txhua tus kws kho tsiaj tuaj yeem nruab uas tso cai rau cov neeg siv khoom siv Trupanion raws li daim ntawv them nyiaj. Qhov no yuav pab tau thaum koj tsis muaj nyiaj ntau ua ntej. Txawm hais tias koj lub chaw ua haujlwm vet tsis muaj software, lawv tseem tuaj yeem them nyiaj rau koj mus ntsib hauv xov tooj.
Pet Insurance FAQs
Lub sijhawm tos yog dab tsi?
Qee lub tuam txhab pov hwm tsiaj muaj lub sijhawm tos. Lub sijhawm tos yog lub sijhawm koj yuav tsum tau tos kom siv koj qhov kev pabcuam tomqab koj tso npe. Qhov no tiv thaiv tib neeg los ntawm kev yuav khoom thaum lawv cov tsiaj muaj mob lossis raug mob thiab tsuas yog npog tej yam tshwm sim rau koj tus tsiaj tom qab lub sijhawm tos.
Puas Lub Xeev Farm Trupanion Puas muaj sijhawm tos?
Yog, nws yog 5 hnub rau kev raug mob, 30 hnub rau kev mob.
Kuv yuav ua li cas thov rau Trupanion?
Koj tuaj yeem pib txheej txheem ntawm lub app, online, lossis hauv xov tooj nrog tus neeg sawv cev pabcuam cov neeg siv khoom. Qee qhov xwm txheej, koj lub chaw ua haujlwm vet tuaj yeem pab koj siv koj cov ntawv pov hwm raws li kev them nyiaj.
Nrhiav Cov Tuam Txhab Pov Hwm Zoo Tshaj Plaws hauv 2023
Conclusion
Yog tias koj tab tom txiav txim siab txog kev pov hwm tsiaj, Lub Xeev Farm yog qhov kev xaiv zoo. Lawv cov nqi sib tw, lawv muaj ntau yam kev pab them nqi kho mob, thiab lawv muaj cov txheej txheem thov kev thov yooj yim. Txawm li cas los xij, nws tseem ceeb uas yuav tsum nco ntsoov tias kev tuav pov hwm tsiaj tsis yog hloov pauv rau lub luag haujlwm ntawm cov tswv cuab tsiaj. Koj tseem yuav tsum tau ua cov kauj ruam kom koj tus tsiaj noj qab nyob zoo, xws li coj lawv mus kuaj thiab tshuaj tiv thaiv tsis tu ncua. Thiab, tau kawg, koj yuav tsum muaj ib txoj kev npaj rau koj yuav them li cas rau cov nqi kho tsiaj uas tsis tau npaj tseg, txawm tias yog los ntawm kev tuav pov hwm tsiaj, kev txuag, lossis lwm yam txhais tau tias. Hauv peb lub tswv yim, daim siab ib leeg yeej tsim nyog tus nqi ntawm tus nqi.
