Nrog tus nqi ntawm txhua yam skyrocketing, nws ua rau kev txiav txim siab yuav khoom pov hwm tsiaj. Tom qab tag nrho, Minnesota tsis txawv ntawm lwm lub xeev thaum nws los txog rau kev xav pinch. Ntau tshaj 75% ntawm cov neeg Asmeskas tab tom nrhiav cov tswv cuab tsiaj ntau dua. Txawm li cas los xij, raws li North American Pet He alth Insurance Association (NAPHIA), tsuas yog 2.9% ntawm cov tsiaj hauv lub tebchaws 135 lab raug pov hwm.
Qhov tseem ceeb ntawm kev pov hwm tsiaj
Tus nqi nruab nrab txhua xyoo ntawm kev muaj tus dev lossis miv sau txog $ 1, 201 lossis $ 687, raws li. Cov zaub mov feem ntau ua rau feem ntau ntawm cov nuj nqis. Txawm li cas los xij, qhov nruab nrab yog lo lus ua haujlwm.
Dab yuav dev. Thiab qee zaum, qhov ntawd txhais tau tias lawv yuav ua lossis noj yam uas lawv tsis tsim nyog. Yog tias koj tus Labrador Retriever noj ib qho ntawm koj tus menyuam cov thom khwm, cia siab tias yuav them txog $ 7,000 rau kev phais.
Tau kawg, qhov no yog qhov kev zam tsis yog txoj cai, nrog tsawg dua 2% ntawm tus tswv dev uas muaj cov nuj nqis li no. Txawm li cas los xij, nws tsim nyog sau cia tias txawm tias kev saib xyuas niaj hnub ntxiv nrog kev mus ntsib txhua xyoo, txhaj tshuaj tiv thaiv, thiab deworming. Kuj tseem muaj cov tshuaj tiv thaiv kab mob npaws thiab zuam thiab tshuaj tua kab mob plawv los xav txog. Qhov ntawd yog qhov kev pov hwm tsiaj tuaj yeem nce mus rau lub phaj.
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Tus Nqi Them Nqi Them Nqi Them Nqi Li Cas?
Nws yog ib qho tseem ceeb uas yuav tau pib nrog lub hauv paus los muab Minnesota tus nqi hauv qhov kev xav. Peb tab tom tsom rau cov dev thiab miv vim tias ob peb lub tuam txhab pov hwm cov noog lossis lwm yam tsiaj txawv. Tus nqi nruab nrab txhua hli rau kev tuav pov hwm yog $49.51 rau dev thiab $28.48 rau miv.
Txhais tau tias muaj ob qhov kev pov hwm kev nyab xeeb: kev sib tsoo nkaus xwb, thiab kev sib tsoo / mob lossis kev qhia dav. Feem ntau cov tuam txhab muab kev pabcuam kev noj qab haus huv raws li kev sib cais ntxiv, uas peb yuav tham ntxiv tom qab. Tus nqi nruab nrab hauv Minnesota yog $46.58 thiab $23.05. Qhov ntawd yuav zoo li pheej yig-txawm li cas los xij, Minnesota yog qhov tsis txaus ntseeg.
Thaj chaw nyob ib ncig ntawm Twin Cities muaj cov pejxeem coob. Tus nqi ntawm kev nyob yog li no tseem ceeb dua nyob rau hauv ntau qhov chaw nyob sab qaum teb lossis sab hnub poob ntawm lub xeev. Koj yuav pom tias tus nqi nruab nrab tsis qhia tag nrho zaj dab neeg. Peb yuav tsum delve tob kom nkag mus rau hauv qab ntawm qhov teeb meem.
Kev nkag mus rau tsiaj yog li ntawm 54% hauv lub xeev. Qhov ntawd yog qhov deb ntawm Wyoming, nrog tus nqi siab tshaj ntawm ze li 72%. Cov txheeb cais ntawd tuaj yeem ua lub luag haujlwm hauv tus nqi thiab muaj cov kev pabcuam. Yog li, nws kuj tseem yuav cuam tshuam tus nqi ntawm kev tuav pov hwm tsiaj.
Cov nqi ntxiv rau kev cia siab
Peb hais txog kev saib xyuas kev tiv thaiv raws li tus nqi cais thaum nws los txog rau kev pov hwm tsiaj. Koj tsis tas yuav nws nrog txoj cai tswjfwm. Txawm li cas los xij, nws tuaj yeem pab tau ntev yog tias nws tsuas yog txhawb kom koj muab koj tus tsiaj nrog kev saib xyuas cov tsiaj tsis tu ncua. Feem ntau, hloov kev noj qab haus huv thaum ntxov tuaj yeem ua rau cov txiaj ntsig zoo dua thiab tsawg dua cov nqi ntxiv.
Kev pab them nqi kho mob yuav faib tau ib qho nyiaj tshwj xeeb rau ib qho kev siv, xws li kev mus ntsib ib xyoos lossis txhaj tshuaj tiv thaiv. Lwm tus muab ib daim duab uas koj tuaj yeem kos tau raws li koj xaiv. Peb xav kom nyeem cov ntawv zoo kom koj nkag siab tias dab tsi tau them thiab qib twg. Nws tsim nyog hais tias koj feem ntau tsis pom qhov sib txawv ntawm tus nqi los ntawm kev yug me nyuam, tab sis los ntawm dab tsi tau them hauv txoj kev npaj.
Pet insurance qhia qee qhov kev nyuaj siab ib yam li peb tus kheej qhov kev pov hwm. Tej zaum koj yuav pom qhov kev pab cuam tsawg lossis tsis muaj nyob rau qee yam mob. Ntau lub tuam txhab muaj lwm yam kev txwv rau cov teeb meem congenital los yog qub txeeg qub teg. Tsis tas li ntawd, cov kab mob uas twb muaj lawm, kho tsis tau yog feem ntau tsis suav nrog. Tag nrho cov nqi them nqi sib txawv nyob ntawm seb koj nyob qhov twg, nrog rau koj tus tsiaj yug thiab hnub nyoog, raws li cov lus qhia hauv qab no.
| Pet Patient | Insurance | Nrog Kev Noj Qab Haus Huv | |
| Edina, MN | 6 hli poj niam Golden Retriever | $30.37 | $46.37 |
| 4-xyoo txiv neej Yorkshire Terrier | $19.18 | $35.18 | |
| 2-xyoos poj niam Domestic Shorthair Cat | $13.47 | $29.47 | |
| Excelsior, MN | 6 hli poj niam Golden Retriever | $27.40 | $43.40 |
| 4-xyoo txiv neej Yorkshire Terrier | $417.38 | $33.38 | |
| 2-xyoos poj niam Domestic Shorthair Cat | $12.27 | $28.27 | |
| Ely, MN | 6 hli poj niam Golden Retriever | $25.85 | $41.85 |
| 4-xyoo txiv neej Yorkshire Terrier | $16.44 | $32.44 | |
| 2-xyoos poj niam Domestic Shorthair Cat | $11.65 | $27.65 |
Thaum twg Koj Yuav Tau Txais Kev Pov Hwm Tsiaj?
Cov tuam txhab lag luam feem ntau yuav lav cov menyuam dev tshaj 8 lub lis piam. Koj yuav tau txais txiaj ntsig tshaj plaws ntawm kev pov hwm tsiaj yog tias koj tau txais txoj cai thaum koj tus tsiaj tseem hluas. Kev them nyiaj rau tus dev yuav khiav ntau dua $ 6,700, raws li qhov nruab nrab ntawm 12-xyoo lifespan. Piv txwv li, tus nqi rau tus miv yog kwv yees li $ 3, 300. Ntau tus neeg tuav pov hwm muab ntau yam kev txo nqi tsiaj lossis lwm yam perks rau xyoo tsis muaj kev thov.
Lwm yam uas yuav tsum nco ntsoov yog tias qee lub tuam txhab muaj lub kaus mom lub hnub nyoog ntawm cov tsiaj uas lawv yuav txais. Feem ntau cov tuam txhab tuav pov hwm muaj cov phiaj xwm hloov pauv nrog ntau qhov kev txiav tawm, cov nqi them, thiab lwm yam luv nqi kom lawv tuaj yeem ua tau raws li cov peev nyiaj lossis kev tu tsiaj tu tsiaj.
Pab Pov Hwm Pov Hwm Li Cas?
Feem ntau cov tuam txhab muab cov ncauj lus kom ntxaws txog dab tsi tau them thiab tsis them kom tsis muaj qhov xav tsis thoob. Qee tus yuav xav tau lossis thov kev ntsuam xyuas kev kho mob kom nco ntsoov cov xwm txheej ua ntej, xws li ntshav qab zib. Peb nyiam cov neeg tuav pov hwm uas tso cai rau cov ntaub ntawv no. Nws tuaj yeem ua qhov txawv thaum nws los txog rau lub sijhawm ua ntawv thov.
Peb tau hais txog ob hom kev cai-kev sib tsoo thiab kev dav. Cov qub tsuas them cov nuj nqis xwb. Peb xav kom kuaj xyuas qhov tshwj xeeb ntawm kev kuaj mob, cov txheej txheem, thiab kev saib xyuas tom qab. Tib yam siv rau tom kawg, nrog kev txwv ntawm qee yam kev noj qab haus huv tshwj xeeb. Peb pom zoo kom nyeem ib tsab cai lij choj rau koj lub xeev los txiav txim seb qhov kev pab cuam npaum li cas.
Dab tsi Koj Yuav Tsum Paub Txog Pet Insurance?
Txawm li cas los xij, tsis zoo li tib neeg kev pov hwm, cov phiaj xwm rau koj tus tsiaj feem ntau yog them rov qab. Thaum koj yuav tsum rho tawm cov nyiaj ua ntej, koj kuj muaj kev ywj pheej xaiv koj tus kws kho tsiaj. Ntau tus nkag siab tias kev pov hwm tsiaj ua haujlwm li cas thiab yuav ua haujlwm nrog koj ntawm kev them nyiaj. Nyob rau lwm qhov kawg ntawm cov spectrum yog cov kws kho tsiaj hauv network uas tuaj yeem them nqi rau lub tuam txhab pov hwm.
Ntau lub tuam txhab tuav pov hwm muaj kev xaiv kho kom haum kom koj thiaj li tau txais ib txoj kev npaj koj them taus. Koj tuaj yeem xaiv hom kev pab them nqi, tus nqi them, txiav tawm, thiab lub sijhawm them nqi kom haum koj cov peev nyiaj. Qhov kev hloov pauv ntxiv ua rau kom tau txais kev pov hwm tsiaj xav tau ntau dua, raws li koj tuaj yeem tswj tau ntau yam uas cuam tshuam rau koj tus nqi.
Nrhiav Cov Tuam Txhab Pov Hwm Zoo Tshaj Plaws hauv 2023
Conclusion
Kev tuav pov hwm tus tsiaj yog qhov tsim nyog ntxiv vim cov nqi kho tsiaj nce. Txawm li cas los xij, nws yog ib qho tseem ceeb los xav txog cov txiaj ntsig. Txawm tias ib daim ntawv thov ib xyoos tuaj yeem them tus nqi them txhua xyoo. Koj kuj yuav tsum xav txog koj tus tsiaj, vim peb paub tseeb tias koj xav tau qhov zoo tshaj plaws rau koj tus khub tsiaj. Kev tuav pov hwm ua rau nws pheej yig dua, txawm tias koj nyob hauv Minnesota lossis lwm lub xeev.
