Kev tuav pov hwm tsiaj yog yuav luag yog qhov tsim nyog rau ntau tus tswv tsiaj. Nws tuaj yeem pab txo cov nqi ntawm txhua qhov xwm txheej tsis tau npaj tseg uas cuam tshuam txog teeb meem kev noj qab haus huv thiab xwm txheej. Qhov kawg uas koj xav tau yog txiav txim siab mob siab txog seb koj puas tuaj yeem pab koj tus tsiaj thaum muaj xwm txheej ceev.
Kev pov hwm tsiaj rau dev tuaj yeem pib ntawm $ 20 thiab nce mus txog $ 100 lossis ntau dua txhua lub hlis, thaum miv pheej yig dua, yog tias koj xav kawm ntxiv txog nws ua haujlwm li cas thiab nws yuav raug nqi npaum li cas rau koj raws li Canadian, nyeem rau!
Qhov tseem ceeb ntawm kev pov hwm tsiaj
Kev tuav pov hwm tus tsiaj tsis tas yuav tsum tau ua tab sis tuaj yeem them nyiaj rau kev mus ntsib kws kho tsiaj uas xav tau ntau dua. Cov nqi kho mob tuaj yeem ua rau ntshai, tshwj xeeb yog tias lawv poob sab nraum koj cov peev nyiaj.
Yog tias koj tsis xav pom koj tus kheej hauv txoj haujlwm ntawm kev nqis peev los them rau kev kho mob lossis kev phais uas yuav ua rau koj tus tsiaj nyob ntev dua, kev pov hwm tsiaj tuaj yeem ua rau muaj qhov sib txawv loj.
Nws tuaj yeem npog cov hauv qab no:
- Kev mob nkeeg tsis xav txog
- Kev raug mob raug mob
- Dental issues
- Cov mob ntev (tsuas yog lawv tsis muaj ua ntej)
- Diagnostic tests
- Surgeries
- Hereditary conditions
Qhov hais tias, qhov no feem ntau yog nyob ntawm lub tuam txhab pov hwm thiab cov phiaj xwm thiab txiav tawm uas koj xaiv.
Puas Muaj Nyiaj Pov Hwm Tus Tsiaj Hauv Canada Tus Nqi?
Koj them npaum li cas rau kev pov hwm tsiaj nyob ntawm ntau yam sib txawv: lub tuam txhab nws tus kheej, hom tsiaj twg koj muaj, thiab hom tsiaj, hnub nyoog, kev noj qab haus huv, thiab poj niam txiv neej ntawm koj tus tsiaj, nrog rau qhov twg hauv Canada koj nyob.
Kev tuav pov hwm rau miv tsis tshua kim dua li nws yog rau dev, thiab qhov yug thiab qhov loj ntawm koj tus tsiaj kuj yuav ua rau txawv.
Cov tuam txhab pov hwm tsiaj feem ntau yuav tso cai rau koj xaiv koj qhov kev txiav tawm, uas cuam tshuam rau koj cov nyiaj them txhua xyoo thiab feem pua ntawm koj yuav tau them rov qab.
Yog tias koj xaiv qhov kev txiav tawm siab thiab qhov feem pua them rov qab qis, koj yuav tau them tus nqi qis dua txhua lub hlis.
Tus nqi them txhua hli rau tus dev tuaj yeem nyob ntawm $ 15 txog $ 100 lossis ntau dua txhua lub hlis. Tus nqi them rau miv tuaj yeem pib ntawm $ 10 txhua lub hlis lossis ntau dua, nyob ntawm koj cov kev xaiv.
| Company | Accident & Illness for Cats | Accident only for Cats | Accident & Illness for Dogs | Accident Only for Dogs |
| Pets Plus Us | $44.17–$51.72 | $19.73 | $69.75–$102.23 | $22.06 |
| Pet Secure | $20.57–$69.96 | N/A | $32.51–$156.21 | N/A |
| Trupanion | $63.50–$155.08 | N/A | $84.18–$863.47 | N/A |
| Nkauj | $20.66–$34.71 | N/A | $21.92–$195.12 | N/A |
| Sonnet | $27.29–$34.18 | N/A | $43.69–$70.98 | N/A |
| Furkin | $24.00–$32.48 | N/A | $46.95–$153.23 | N/A |
| Peppermint | $17.44–$36.38 | $10.87 | $18.73–$69.13 | $11.96 |
| Desjardin | $24.04–$89.30 | N/A | $32.22–$167.21 | N/A |
Cov lus hais no yog rau cov miv luv luv, thiab Chihuahua thiab Great Dane tau siv rau tus dev quotes.
Cov nqi ntxiv rau kev cia siab
Ntau lub tuam txhab pov hwm tsiaj muaj cov khoom ntxiv los muab kev xaiv ntxiv rau koj. Cov pob khoom noj qab haus huv tuaj yeem suav nrog tej yam xws li tshuaj tiv thaiv, tshuaj xyuas, thiab kev kho kab mob cab txhua xyoo - rau tus nqi ntxiv.
Feem ntau cov tuam txhab tuav pov hwm tsis them rau kev phais lossis kev phais, tab sis qee qhov yuav suav nrog nws hauv kev xaiv kev noj qab haus huv.
Cov chaw muab kev tuav pov hwm xws li Trupanion muaj kev xaiv kev pab them nqi kho hniav nrog 90% cov nyiaj rov qab. Kev kho hniav feem ntau tsis raug them tshwj tsis yog tias nws muaj xwm txheej ceev lossis muaj teeb meem, xws li kab mob periodontal.
Qee lub tuam txhab tuav pov hwm muaj cov khoom ntxiv uas suav nrog txhua yam ntawm kev coj cwj pwm kev kho mob mus rau kev kho mob thiab kev nce tsiaj. Cov kev xaiv xws li cov nqi ntxiv.
Yam Yuav Tau Saib Rau Hauv Koj Txoj Cai Pov Hwm Tus Tsiaj
Koj tuaj yeem mus ncig ntawm cov chaw muab kev pov hwm sib txawv, ntsaws rau hauv koj tus tsiaj cov ntaub ntawv, thiab tau txais daim ntawv tso cai pub dawb. Thaum koj tau txiav txim siab rau qhov yog, kev sau npe yog sai thiab yooj yim, tab sis nws yog qhov tseem ceeb uas yuav tsum tau nyeem cov ntawv zoo thiab nkag siab tias nws ua haujlwm li cas.
Koj yuav tsum txiav txim siab seb qhov kev pab them nqi dab tsi yog qhov tseem ceeb thiab qhov twg koj txaus siab los cuam tshuam. Tsawg tus kws kho mob yuav them tus tsiaj ncaj qha; Trupanion yog ib qho piv txwv, tab sis nws yog ib lub tuam txhab kim dua.
Ntev npaum li cas koj yuav tsum tau tos kom them rov qab yog qhov tseem ceeb rau qee tus tswv, ib yam li lawv txoj kev npaj them.
Cov hauv qab no yog ob peb nqe lus nug uas koj yuav tsum nug txhua tus kws kho mob uas koj xav txog:
- Kuv puas tuaj yeem khaws kuv tus tsiaj tam sim no?
- Kuv yuav tos ntev npaum li cas thiaj them rov qab?
- Kuv yuav tau txais kuv cov nyiaj them rov qab li cas?
- Qhov kev txiav tawm yog dab tsi?
- Dab tsi yog them?
- Puas yog sau tshuaj?
- Puas muaj tej yam kev mob tshwm sim?
- Puas muaj hnub nyoog txwv?
- Puas muaj kaus mom mob los yog raug xwm txheej?
- Puas muaj kev xaiv kev noj qab haus huv?
- Puas kho hniav?
- Kuv yuav xa daim ntawv thov li cas?
Ua ib qho kev nyeem ntawv los ntawm kev tshuaj xyuas ntawm txhua lub tuam txhab uas koj tab tom xav txog. Nco ntsoov tias qee qhov kev tshuaj xyuas tsis zoo yog qhov raug cai, thiab lwm tus yuav nkag siab yuam kev ntawm tus tswv tsiaj.
Cov neeg uas tsis tau nyeem cov ntawv zoo yuav sau qhov kev tshuaj xyuas tsis zoo vim lawv tsis nkag siab tias lawv txoj kev tuav pov hwm tus tsiaj ua haujlwm li cas.
Pet Insurance Ua Haujlwm Li Cas?
Cov lus siv rau kev pov hwm tuaj yeem ua rau tsis meej pem, yog li ntawm no yog ob peb nqe lus.
Deductible
Deductible yog hais txog tus nqi uas koj yuav tsum tau them ua ntej tus kws kho mob them rov qab koj cov lus thov. Koj tuaj yeem xaiv qhov kev txiav tawm uas koj xav tau them, uas feem ntau them txhua xyoo.
Reimbursement Rate
Tus nqi them rov qab yog qhov feem pua ntawm tus kws kho mob them rau cov nuj nqis vet tom qab koj tau them tus nqi txiav tawm.
Piv txwv li, yog tias koj xaiv ib txoj kev npaj nrog $ 200 txiav tawm thiab 90% tus nqi them rov qab thiab koj daim nqi kho mob yog $800, koj yuav them $ 200 txiav tawm, ntxiv rau 10% ntawm daim nqi. Qhov no txhais tau tias koj yuav them $280, thiab tus kws kho mob yuav them $520.
Maximum Them Limit
Qhov kev them nyiaj siab tshaj plaws tuaj yeem ua raws li txhua qhov xwm txheej, lossis nws tuaj yeem yog qhov txwv txhua xyoo.
Txhua qhov xwm txheej txhais tau tias koj yuav tau txais nyiaj rov qab rau txhua qhov kev raug mob lossis mob tshiab. Txawm li cas los xij, thaum koj ncav cuag qhov txwv, koj yuav tsis tau txais kev pab ntxiv rau qhov mob tshwj xeeb lossis kev raug mob rau lub xyoo tas los.
Cov nyiaj them ntau tshaj txhua xyoo yuav teem caij rau lub xyoo uas koj tuaj yeem poob mus txog thaum koj mus txog qhov txwv.
Kev cais tawm
Kev cais tawm yog tej yam mob, kev kho mob, lossis kev mob uas tus kws kho mob yuav tsis them. Cov no feem ntau yog tej yam xws li kev npaj noj qab haus huv, zaub mov noj, spaying thiab neutering txheej txheem, thiab lwm yam.
Lub Sijhawm Tos
Thaum koj tau thov kev tuav pov hwm, muaj lub sijhawm tos ua ntej nws ncaws tawm. Qhov no txhais tau tias yog tias koj tus tsiaj raug mob lossis tsim muaj mob thaum lub sijhawm tos, nws yuav tsis raug them. Nws yuav raug suav hais tias yog ib qho mob uas twb muaj lawm, uas yuav luag tsis muaj tus kws kho mob yuav them.
Nco ntsoov nyeem txoj cai kom zoo zoo. Lub sijhawm tos rau qee yam xwm txheej tuaj yeem ntev li 6 lub hlis.
Conclusion
Thaum nws yuav zoo li nyuaj thaum koj pib yuav khoom pov hwm tsiaj, tsuas yog siv koj lub sijhawm thiab nco ntsoov nyeem cov neeg siv khoom tshuaj xyuas. Muaj ib daim ntawv teev cov lus nug npaj txhij thaum xaiv ib lub tuam txhab, thiab nyeem txhua yam kom koj tsis txhob saib xyuas dab tsi.
Nws kuj yog ib lub tswv yim zoo los hu thiab tham nrog tus neeg sawv cev, vim lawv tuaj yeem hla txhua qhov tsis meej pem thiab teb tag nrho koj cov lus nug. Txawm hais tias kev tuav pov hwm tus tsiaj tsis yog qhov tsim nyog ntawm cov tswv cuab tsiaj, nws tuaj yeem ua rau koj muaj kev thaj yeeb nyab xeeb.
