Kev tuav pov hwm tsiaj yog ib yam uas tsim nyog xav txog yog tias koj tab tom nrhiav txoj hauv kev los tiv thaiv koj tsev neeg cov plaub hau thaum muaj xwm txheej ceev lossis xwm txheej. Nws tuaj yeem txo tus nqi kho mob tsawg kawg nkaus uas lawv yuav raug.
Cov nqi kho tsiaj tsis tu ncua tuaj yeem ntxiv sai sai, tso cov hniav loj hauv koj cov peev nyiaj txhua hli lossis xyoo.
Qhov no yog qhov kev tuav pov hwm tus tsiaj tuaj yeem pab ua kom koj lub neej yooj yim dua. Muaj ntau tus kws kho tsiaj pov hwm hnub no ntau dua li yav dhau los thiab ntau tus kws kho mob muaj cov phiaj xwm uas tuaj yeem haum txawm tias cov nyiaj siv nruj tshaj plaws.
Nyob rau hauv qhov kev tshuaj xyuas no, peb yuav mus hla peb cov kev xaiv saum toj kawg nkaus rau cov chaw muab kev pov hwm tsiaj hauv Iowa thiab muab cov ntsiab lus ceev ceev ntawm txhua tus.
Tus 9 Tus Kws Kho Mob Zoo Tshaj Plaws hauv Iowa
1. Lemonade Insurance - Qhov Zoo Tshaj Plaws
Lemonade pib muab kev pov hwm tsiaj rov qab rau xyoo 2015 thiab lawv tau muaj zog heev txij li thaum. Lawv yog ib qho ntawm cov chaw muab kev pabcuam loj tshaj plaws ntawm kev pov hwm tus tsiaj tag nrho thiab nyob hauv New York City. Lemonade muaj ob peb txoj kev xaiv rau cov tswv tsiaj thiab ntau yam ntawm peb feem pua tau pom zoo, kev txwv tsis pub dhau, thiab kev txiav tawm.
Lawv txawm muab cov kev kho mob "exotic" them rov qab rau tej yam xws li acupuncture thiab kev kho mob uas tuaj yeem them raws li lawv cov phiaj xwm. Yog tias koj tab tom nrhiav ib pob kev tiv thaiv zoo rau koj tus dev lossis miv, lawv yuav yog qhov kev xaiv zoo. Tus kws kho mob no suav nrog txhua yam xws li kev saib xyuas cov kws kho tsiaj niaj hnub, tshuaj tiv thaiv, ua haujlwm kho hniav, thiab tshuaj xyuas tsis tu ncua. Tam sim no lawv tab tom muab kev tuav pov hwm hauv 35 lub xeev thiab cov phiaj xwm nruab nrab txhua hli yog kwv yees li $ 20.
Pros
- Low plan xaiv
- Wide coverage range
- Qhia kev them nyiaj sai
- Zoo mobile app
Cons
Limited US kev pab them nqi
2. Spot Insurance
Spot insurance yog ib qhov pheej yig tshaj cov kws kho tsiaj uas koj tuaj yeem nrhiav tau. Lawv muaj ob peb txoj kev npaj noj qab haus huv sib txawv, ib qho pib ntawm $ 10 ib hlis xwb. Spot kuj tseem muaj kev pov hwm tus tsiaj ib txwm muaj nrog kev them nyiaj rov qab rau yam xws li tshuaj tiv thaiv, kuaj kev noj qab haus huv, kev kho hniav, thiab kev phais.
Koj tuaj yeem cia siab tias yuav them qhov twg los ntawm $ 30 txog $ 40 ib hlis rau kev pov hwm tsiaj rau koj tus dev thiab miv kom nws hloov pauv raws hnub nyoog ntawm tus tsiaj. Spot kuj tseem muaj kev pab them nqi kho mob, kev phais mob, nqi kuaj mob, microchipping, thiab ntau lwm yam uas koj tsis xav tau. Tus kws kho mob no kuj muaj cov luv nqi sib txawv, suav nrog ntau tus tsiaj luv nqi ntawm 10%.
Pros
- Nrog 30-hnub nyiaj rov qab lav
- Has Wellness Plan options
- No pet age limits
Cons
No exotic animal
3. Embrace Insurance
Embrace yog lwm txoj kev pov hwm tsiaj zoo uas muaj rau dev thiab miv. Lawv muab cov pob khoom nthuav dav thiab suav nrog ntau yam mob hnyav xws li kab mob hauv lub cev, teeb meem ntev, kev phais loj, thiab kev mus pw hauv tsev kho mob txuas ntxiv.
Embrace kuj suav nrog kev pabcuam rau kev kuaj mob thiab kev coj cwj pwm. Yog tias koj tab tom nrhiav ib pob kev pab them nqi tag nrho rau koj tus tsiaj, Embrace yog tus muab kev pov hwm zoo los xav txog. Embrace kuj tseem muaj kev txo nqi tub rog thiab txo nqi rau cov tswv tsiaj uas muaj ntau tus tsiaj - txawm tias lawv tsis npog cov tsiaj txawv.
Lawv muab qee qhov kev pab them nqi kho mob rau qee yam kev kho mob uas twb muaj lawm, thiab lawv muaj 3-tier kev npaj kev noj qab haus huv uas koj tuaj yeem tawm dag zog thiab. Zuag qhia tag nrho, lawv cov phiaj xwm nyob qhov twg los ntawm $ 17 txog $ 35 toj ib hlis.
Pros
- Plans are comprehensive
- Nrog qee qhov xwm txheej uas twb muaj lawm
- Kev pab kho hniav
- Has Wellness Plan options
Cons
- Imposes txhua xyoo kev pab them nqi max outs
- Tau lub sijhawm tos
4. Pawp Insurance
Pawp yog ib qho kev fajseeb khomob zoo rau kev txiav txim siab yog tias koj tab tom nrhiav kom txo koj cov nqi. Lawv kuj muaj kev pov hwm kho mob xwm txheej ceev zoo rau cov tswv tsiaj. Lawv txawv me ntsis ntawm lwm tus neeg muab kev pabcuam vim lawv tsuas yog them cov xwm txheej xwb. Piv txwv li, lawv npog tej yam xws li chob, lom, raug mob sab nraud, chob, thiab digestive blockages.
Nrog lawv cov phiaj xwm koj tsis tas yuav txhawj txog qhov kev txiav tawm lossis cov nyiaj them rov qab, koj tsuas yog xa koj daim ntawv thov kom them rov qab.
Qhov downside rau hom kev pab them nqi no yog tias lawv tsuas tso cai ntau tshaj $3,000 tus nqi them txhua xyoo. Yog li, yog tias koj muaj tus tsiaj uas ua rau muaj xwm txheej, qhov no yuav tsis txaus. Cov phiaj xwm Pawp tuaj yeem pib qis li $ 19 ib hlis thiab lawv kuj tau mus ntsib kev noj qab haus huv nrog cov kws kho tsiaj muaj ntawv tso cai.
Pros
- Kev txhawb nqa Telehe alth
- Cov phiaj xwm pheej yig txhua hli
- Cov nqi them tsis raws li hnub nyoog / hom
Cons
- Low Max limit
- Tsis paub meej
- $3,000 txhua xyoo txwv tsis pub tshaj
- No tiv thaiv kev pab them nqi
5. Prudent Pet Insurance
Prudent yog ib lub tuam txhab pov hwm tus tsiaj tsis ntev los no raws li lawv tau muab lawv cov kev pabcuam txij li xyoo 2018. Lawv tau txais txiaj ntsig zoo los ntawm BBB thiab muab cov kev pab them nqi tag nrho rau cov tsiaj. Ib qho zoo tshaj plaws ntawm Prudent yog lub peev xwm uas cov tswv yuav tsum tau kho lawv cov phiaj xwm kev pab them nqi kho mob, thiab qhov no suav nrog cov nyiaj txiav tawm txhua xyoo, cov nyiaj them rov qab feem pua, thiab lwm yam kev xaiv.
Lawv muab kev pab them nqi rau miv thiab dev thiab muaj kev xaiv tsis pub muaj txiaj ntsig rau kev mob nkeeg thiab xwm txheej. Prudent tsis them rau tej yam ntuj tso los yog tshuaj ntsuab kho mob, thiab lawv yuav tsis them tej yam zaub mov noj. Tab sis, lawv muaj cov phiaj xwm pheej yig, nrog qee qhov mus qis li $ 10 ib hlis thiab lwm tus siab txog $ 40.
Prudent kuj tsis npog tej tsiaj txawv txawv nyob rau lub sijhawm no, thiab lawv tsis muaj lub xov tooj ntawm tes rau kev yooj yim – tab sis koj tuaj yeem thov los ntawm koj lub xov tooj ntawm tes. Tus kws kho mob no muab ntau tus tsiaj luv nqi ntawm 10%, vet telehe alth cov kev pabcuam, thiab lawv kuj muaj 30-hnub nyiaj rov qab lav.
Pros
- 30-hnub nyiaj-rov qab lav
- Multi Pet Discount
- Full coverage plans
- Tus nqi qis txhua hli
- Unlimited nyiaj xyoo xaiv xaiv
Cons
- No exotics
- No mobile app
6. Pumpkin Insurance
Pumpkin tej zaum yuav tsis nrov li qee qhov ntawm lwm tus neeg muab kev pabcuam hauv daim ntawv teev npe no, tab sis lawv yeej tsim nyog xav txog yog tias koj tab tom nrhiav kev npaj khomob rau koj tus tsiaj. Pumpkin muaj nws tus kheej version ntawm kev noj qab haus huv cov kev npaj, txawm hais tias nws yog hu ua "Kev Tiv Thaiv Qhov Tseem Ceeb Pob". Txoj kev npaj no suav nrog kev saib xyuas tus tsiaj niaj hnub, kuaj ntshav ua haujlwm, txhaj tshuaj tiv thaiv kab mob, kuaj kev noj qab haus huv, thiab kuaj kab mob cab.
Ib qho zoo tshaj plaws ntawm lawv cov khoom yog tias lawv muaj 90% cov nyiaj them rov qab rau tag nrho cov phiaj xwm. Txawm li cas los xij, lawv muaj cov kev tuav pov hwm tsis suav nrog xws li cov xwm txheej ua ntej, cov kev pab kho kom zoo nkauj, thiab kev tu hniav.
Lawv cov kev xaiv txwv txhua xyoo yog nyob qhov twg ntawm $ 1000 txog $ 2000, uas tej zaum yuav tsis muaj ntau yog tias koj muaj tsiaj yug tsiaj uas muaj kev cuam tshuam rau cov teeb meem kev noj qab haus huv lossis tus tsiaj uas laus dua. Koj tuaj yeem cia siab tias yuav them li ntawm $ 40 txog $ 50 ib hlis rau Pumpkin cov phiaj xwm.
Pros
- Has Wellness Plan
- No pet age limits
- Plans are comprehensive
Cons
- Tsawg xyoo txwv
- No kho hniav
- No pre-existing conditions
7. ASPCA Insurance
ASPCA nws yog tej zaum tus kws kho mob paub zoo tshaj plaws vim nws koom tes nrog American Society for the Prevention of Cruelty to Animals. Tus kws kho mob no tau nyob ib puag ncig rau qee lub sijhawm thiab muaj kev pabcuam tag nrho rau kev tu tsiaj niaj hnub, kuaj xyuas, kho deworming, kho hniav, kho, tshuaj, thiab kho lub cev.
Lawv kuj muab cov nyiaj them rov qab rau cov teeb meem kev coj tus cwj pwm thiab qee yam kev mob tshwm sim. Qhov nruab nrab, koj tuaj yeem cia siab tias yuav them li ntawm $ 30 txog $ 50 rau kev tuav pov hwm nrog ASPCA thiab lawv cov phiaj xwm muaj dav.
Hmoov tsis zoo, lawv tsis them rau tej yam uas twb muaj lawm, tab sis lawv muaj ntau txoj kev npaj noj qab haus huv thiab muaj ntau tus tsiaj luv nqi. Lawv kuj muaj 30-hnub nyiaj rov qab lav rau koj sim qhov kev pab cuam pib.
Pros
- Muaj kev noj qab haus huv thiab kev pabcuam tag nrho
- 30-hnub nyiaj-rov qab lav
- Kws tuav pov hwm tus nqi qis
- Includes micro-chipping
- Muaj ib tug tswv cuab thov app
Cons
- Nyob ntev tos
- No exotic pets
8. Bivvy Insurance
Bivvy yog lwm qhov chaw muab kev pab uas tej zaum yuav tsis nrov li ib txhia ntawm cov npe no. Txawm li cas los xij, lawv tau tsim lub niche hauv kev ua lag luam nrog lawv cov phiaj xwm txhua hli qis (qee qhov pib qis li $ 15 ib hlis) rau ob tus dev thiab miv.
Tus kws kho mob muab cov phiaj xwm yooj yim zoo nkauj rau kev sib tsoo thiab mob. Lawv cov txheej txheem thov yog qhov yooj yim heev, thiab koj tus tsiaj tuaj yeem muaj kev pab them nqi thiab tsawg li 2 hnub yog tias koj kos npe rau qhov kev pab cuam noj qab haus huv. Lawv tsis ua raws li lawv cov nqi them rau poj niam txiv neej, hnub nyoog, lossis ua pa, thiab raws li koj tus tsiaj muaj hnub nyoog, koj tsis tas yuav txhawj xeeb txog tus nqi nce.
Lwm yam zoo ntawm tus kws kho mob no yog tias lawv muaj cov kev npaj kho mob uas npog tej yam xws li kev kuaj xyuas kev noj qab haus huv, exclamations, microchipping, deworming, thiab kev saib xyuas vet. Qee qhov kev npaj txawm mus qis li $9 ib hlis.
Lawv muaj 14 hnub tos thiab 30-hnub tos sijhawm rau xwm txheej thiab mob raws li. Lawv txoj kev pab them nqi kho mob muaj xws li ultrasounds, kho mob xwm txheej ceev, kho hniav, kho mob, X-rays, thiab ntau dua.
Pros
- Phau kev noj qab haus huv
- Tus nqi qis heev
- Txoj kev xaiv kev pab them nqi kho mob
- Include kev huam yuaj thiab mob
Cons
- Tsis muaj hniav
- Tsawg xyoo txwv
- No spaying/neutering
9. He althy Paws Insurance
He althy Paws ntaus qhov tshwm sim hauv 2009 thiab lawv tau loj hlob raws li kev xaiv kev pab them nqi kho mob. Lawv muab 30-hnub nyiaj-rov qab lav rau koj sim cov phiaj xwm ua ntej cog lus. Cov neeg muab kev pabcuam no ua rau kev thov kev thov tau yooj yim los ntawm lawv lub vev xaib online thiab mobile app.
Lawv muaj tag nrho cov kev pab them nqi kho mob thiab cov kev npaj no suav nrog kev pab them nqi kho mob, xwm txheej, mob ntev, thiab cov nqi kho mob xwm txheej ceev. Lawv tsis muaj kev npaj rau cov tsiaj txawv, tsuas yog miv, thiab dev xwb. Tsis tas li ntawd xwb, lawv tsis muab txhua yam kev txo nqi tsiaj ntau lossis kev tiv thaiv.
Yog li, yog tias koj tab tom nrhiav kev npaj khomob yuav los no yuav tsis yog tus muab kev pabcuam rau koj. Txawm li cas los xij, lawv cov phiaj xwm kev tuav pov hwm ib txwm muaj them rau tej yam xws li txhaj tshuaj tiv thaiv thiab lwm yam kev tiv thaiv - cov phiaj xwm no pib ntawm $ 8 rau miv hauv li $ 15 rau dev.
Pros
- 30-hnub nyiaj-rov qab lav
- Tsis muaj max tawm txhua xyoo
- Easy thov xa
- High ratings
Cons
- No Wellness Plan
- No exotic pets
Tus Neeg Yuav Qhia: Xaiv Tus Neeg Pov Hwm Tus Tsiaj Zoo hauv Iowa
Lub hom phiaj ntawm phau ntawv tuav pov hwm tus tsiaj no yog los muab kev nkag siab rau koj txog kev tuav pov hwm tsiaj ua haujlwm li cas thiab cov chaw muab kev pab them nqi dab tsi. Txhawm rau ntsuas peb cov neeg muab kev pabcuam, peb tau tsim cov npe ntawm cov txheej txheem rau txhua tus ntawm lawv uas suav nrog cov ntsiab lus ntawm txoj cai, kev pabcuam cov neeg siv khoom, thiab cov lus thov, nrog rau lwm yam. Cov no yog yam uas peb ntseeg tias tseem ceeb tshaj plaws rau cov neeg muaj peev xwm. Hauv qab no yog cov ntsiab lus ceev ntawm txhua tus.
Policy Coverage
Qhov no yog hais txog cov ntsiab lus tseeb ntawm tus kws kho mob txoj cai. Rau txhua tus neeg muab kev pabcuam, peb tau saib cov txheej txheem uas raug them, nrog rau cov kev cai ib txwm ua uas yuav cuam tshuam cov nyiaj rov qab xws li cov xwm txheej ua ntej lossis hnub nyoog tsiaj.
Kev Pabcuam & Lub Npe
Thaum nws los txog rau kev pov hwm tsiaj, ib yam li lwm yam kev pov hwm, kev pabcuam rau cov neeg siv khoom, thiab lub koob npe nrov ua lub luag haujlwm loj hauv cov neeg muaj peev xwm pom tau cov neeg muab kev pabcuam. Yog li, rau qhov kev ntsuas no, peb tau saib cov kev tshuaj xyuas online ntawm ntau qhov chaw xws li Yelp, Trustpilot, thiab Squarespace kom tau txais qee qhov kev pom zoo rau cov tswv cuab tau hais thiab lawv xav li cas txog tag nrho lawv cov ntawv pov hwm zoo.
Thov them rov qab
Rau qhov kev thov them rov qab, peb xav tsom mus rau qhov kev thov them sai sai npaum li cas, thiab feem pua ntawm cov ntawv thov uas ib txwm them tawm. Cov feem pua ntawm no hais ntau txog tus kws kho mob, thiab nws zoo li yog ib qho tseem ceeb heev thaum cov tswv tsiaj tab tom nrhiav cov kws kho mob.
Price of Policy
Thiab tau kawg, muaj tus nqi. Tus nqi yuav ib txwm ua lub luag haujlwm thaum nws los txog rau qhov tau txais kev pabcuam tshiab, vim tias feem ntau cov neeg tab tom nrhiav kom haum cov nqi rau lawv cov peev nyiaj txhua hli. Zuag qhia tag nrho, feem ntau ntawm cov chaw muab kev pabcuam peb pom muaj cov nroj tsuag uas tuaj yeem tau txais los ntawm txhua qhov chaw txij li $ 10 txog $ 50 ib hlis - nrog rau cov phiaj xwm rau dev yuav siab dua li cov miv.
Plan Customization
Ntau lub chaw muab kev pabcuam muab cov kev npaj uas muaj kev xaiv sib txawv ntawm qhov kev txiav tawm, kev them nyiaj rov qab txhua xyoo, kev pab them nqi, thiab lwm yam ntsiab lus. Nws yog ib qho tseem ceeb rau cov neeg siv khoom kom paub tias cov kev xaiv twg tuaj yeem siv tau rau kev pov hwm tsiaj, vim nws tuaj yeem cuam tshuam rau lawv cov nqi them txhua hli thiab kev pab them nqi.
FAQs
Vim Li Cas Koj Thiaj Yuav Tau Txais Kev Pab Rau Tus Tsiaj?
Tus tswv tsiaj tau txais kev tuav pov hwm rau ntau yam. Txawm hais tias qee tus tswv tsev yuav tau txais kev pov hwm kom muaj kev pab cuam thaum muaj xwm txheej lossis mob, qee tus tsuas xav tau kev pab them nqi kho mob niaj hnub. Qhov no tuaj yeem suav nrog kev pab them nqi rau tej yam xws li txhaj tshuaj tiv thaiv kab mob, kuaj kab mob thiab kho kab mob, kuaj hniav, thiab ntshav ua haujlwm. Txawm hais tias koj tab tom nrhiav kev pab them nqi kho mob niaj hnub, nws tseem ceeb heev kom nkag siab tias koj tuaj yeem them taus li cas rau kev tuav pov hwm lub hli rau ib hlis.
Pet Insurance Ua Haujlwm Li Cas?
Nws ua haujlwm zoo li kev pov hwm kho mob rau tib neeg. Ntau tus kws kho tsiaj muab kev pab them nqi tag nrho rau cov tsiaj uas tuaj nrog tus nqi them txhua hli. Ntxiv rau qhov no, feem ntau tseem yuav muaj cov phiaj xwm kev noj qab haus huv uas suav nrog kev saib xyuas niaj hnub. Ua ntej tau txais kev tuav pov hwm, ntau tus kws kho mob yuav nug koj txog hom, hom, thiab hnub nyoog ntawm koj tus tsiaj ntxiv rau nws cov keeb kwm kho mob los txiav txim seb koj tus nqi yuav zoo li cas.
Tom qab ntawd, lawv yuav piav qhia txog lawv txoj cai qhia txog yam lawv tau them thiab cov txheej txheem kho mob twg lawv xav tau them. Thaum koj tau txais kev pom zoo rau ib txoj kev npaj, koj tsuas yog yuav tsum ua daim ntawv thov kom koj tus kws kho mob them rov qab rau koj rau cov txheej txheem them.
Cov neeg siv hais dab tsi
Los ntawm peb cov kev tshawb fawb, peb pom tias cov tswv tsiaj zoo li gravitate rau cov neeg muab kev pab uas muaj ob qho yooj yim cov phiaj xwm txhua hli thiab kev xaiv noj qab haus huv. Txawm hais tias muaj coob tus neeg xav tau kev pab them nqi tag nrho, nws zoo li cov peev nyiaj tau ua lub luag haujlwm tseem ceeb hauv qhov chaw muab kev pabcuam uas lawv xaiv. Tsis tas li ntawd, thov cov nyiaj them rov qab feem pua thiab cov nyiaj them siab tshaj plaws txhua xyoo kuj tau ua lub luag haujlwm loj thiab cov tswv tsev zoo li cas txog lawv cov chaw muab kev pabcuam.
Tus Muab Kev Pov Hwm Tus Tsiaj twg yog qhov zoo tshaj rau koj?
Txoj kev pov hwm tsiaj feem ntau yog mob siab rau miv thiab dev. Thiab tus kws kho mob txoj cai rau koj yuav yog ib qho uas muab rau koj hom kev npog uas koj tab tom nrhiav, yog nws raug xwm txheej thiab mob, los yog ib qho kev npaj ntau dua. Nws yog qhov no thiab tus nqi them txhua hli uas koj yuav tsum xav txog ua ntej ua tiav koj tus kws kho mob.
Conclusion
Cov tsiaj muaj peev xwm muaj xwm txheej ceev thiab xwm txheej zoo li tib neeg. Thiab yog tias koj txhawj xeeb txog koj tus tsiaj cov nqi kho mob muab cov hniav loj hauv koj cov peev nyiaj ces kev pov hwm tus tsiaj yog qhov tsim nyog xav txog.
Yog li, txawm tias koj tab tom nrhiav kev pabcuam tsiaj niaj hnub lossis qee yam xwm txheej ceev, nws yog qhov zoo tshaj los saib tag nrho cov chaw muab kev pabcuam loj, vim muaj ntau txoj kev xaiv niaj hnub no dua li yav dhau los. Thiab cov chaw muab kev pabcuam nrog lub koob npe nrov xws li Lemonade, Spot, thiab, Embrace yog qhov chaw zoo pib!
