Tsiaj xwm ceev tuaj yeem tshwm sim txhua lub sijhawm, ib yam li tib neeg. Thiab tsis muaj txoj hauv kev zoo dua los npaj rau kev kub ntxhov ntau dua li muaj qee yam kev pov hwm kev pov hwm rau koj tus dev lossis miv. Tus nqi uas koj yuav them yuav nyob ntawm ob peb yam sib txawv xws li hom tsiaj uas koj muaj, nws lub hnub nyoog, qhov kev pab cuam, thiab lwm yam txiaj ntsig uas koj xav kom suav nrog.
Txawm li cas los xij, muaj ntau yam kev xaiv muaj rau kev pov hwm tsiaj niaj hnub no, uas nws tuaj yeem nyuaj me ntsis los nrhiav qhov zoo tshaj plaws. Yog li, thaum tsab xov xwm no peb tab tom tham txog qee qhov kev pov hwm tsiaj zoo tshaj plaws hauv lub xeev Missouri los pab koj nrhiav qhov tsim nyog uas haum rau koj cov peev nyiaj.
The 10 Best Pet Insurance Providers in Missouri
1. Lemonade Pet Insurance - Qhov Zoo Tshaj Plaws
Lemonade tsiaj tuav pov hwm tau nyob ib ncig ntawm xya xyoo thiab tau sawv zoo tawm tsam kev sib tw. Lawv nyob hauv New York City thiab muaj peb lub pob sib txawv uas lawv muab rau cov tsiaj thiab tau muaj zog txij li thaum. Koj tuaj yeem tau txais cov nyiaj them rov qab rau cov kev kho mob "exotic" xws li acupuncture lossis kev kho mob, txawm hais tias cov kev pabcuam no raug nqi ntxiv rau koj txoj kev npaj.
Lemonade tej zaum yuav yog qhov kev xaiv yog tias koj tab tom nrhiav kev tiv thaiv kev saib xyuas rau koj tus miv lossis dev. Tus kws kho mob no muab kev pab them nqi rau kev txhaj tshuaj tiv thaiv kab mob, kev saib xyuas cov kws kho tsiaj niaj hnub, thiab tshuaj xyuas tsis tu ncua. Tus nqi nruab nrab txhua hli ntawm lawv cov ntawv pov hwm yog tsis ntseeg $20-30. Yog tias koj xav tau ib txoj kev npaj ua tiav tab sis tseem yuav muaj nyob hauv koj cov peev nyiaj, Lemonade tsim nyog xav txog.
Pros
- Plan nrog tus nqi qis txhua hli
- Cov cheeb tsam loj
- Qhia kev them nyiaj sai
- Zoo mobile app
Cons
Kev kho lub cev raug nqi ntxiv
2. Spot Insurance - Tus nqi zoo tshaj
Spot insurance yog ib qho kev xaiv zoo rau cov tswv tsiaj uas nyob ntawm pob nyiaj siv. Feem ntau cov phiaj xwm kev pov hwm tsiaj rau koj tus miv lossis dev tuaj yeem raug nqi koj nyob qhov twg ntawm $ 30 txog $ 40 toj ib hlis. Tab sis nrog qhov chaw, muaj ob peb txoj kev noj qab haus huv sib txawv uas lawv muab, nrog tus nqi pheej yig tshaj pib ntawm $ 10-15 ib hlis.
Spot kuj muaj kev tuav pov hwm tus tsiaj ib txwm muaj nrog kev them nyiaj rov qab rau cov txheej txheem kho hniav, tshuaj tiv thaiv, kuaj kev noj qab haus huv, thiab kev phais. Koj tseem tuaj yeem tau txais kev txo nqi los ntawm tus kws kho mob no, xws li 10% ntau tus tsiaj luv nqi. Spot muaj kev pab them nqi kho mob, phais, nqi kuaj, microchipping, thiab ntau lwm yam kev pabcuam uas koj yuav tsis tau xav txog.
Pros
- Tsis muaj hnub nyoog txwv
- 30-hnub lav
- No pet age limits
Cons
Tsis them nyiaj ncaj qha
3. Prudent Pet Insurance
Ntau tus neeg tau hnov txog Prudent Insurance thaum nws los txog tsev thiab tsheb. Tab sis koj puas paub tias lawv tseem npog cov tsiaj? Prudent muab kev pab them nqi rau dev thiab miv thiab muab cov txiaj ntsig tsis txwv rau kev sib tsoo thiab mob. Cov phiaj xwm pheej yig, tab sis muaj qee yam uas lawv tsis them. Piv txwv li, Prudent tsis them cov kev kho ntuj los yog tshuaj ntsuab thiab yuav tsis them rau cov zaub mov noj.
Qee tus nqi qis li $10-12 ib hlis, hos lwm tus tuaj yeem mus txog $40. Prudent qhov zoo tshaj plaws yog lawv lub peev xwm tso cai rau cov tswv los kho lawv cov phiaj xwm kev pab them nqi kho mob, suav nrog cov nyiaj txiav tawm txhua xyoo thiab cov nyiaj them rov qab feem pua.
Prudent muab 10% luv nqi rau ntau tus tsiaj, kev pabcuam kws kho tsiaj, thiab lav 30-hnub sim dawb. Ntawm qhov downside, lawv kuj tsis muaj lub xov tooj ntawm tes, thiab tsis npog cov tsiaj txawv. Txawm li cas los xij, koj tseem tuaj yeem thov kev thov los ntawm koj lub xov tooj ntawm tes.
Pros
- Tus nqi qis txhua hli
- 30-hnub nyiaj-rov qab lav
- Multi Pet Discount
Cons
- No mobile app
- No exotic pets
4. Trupanion
Trupanion yog lub tuam txhab pov hwm tsiaj muaj npe nrov hauv kev lag luam thiab tau nyob ib puag ncig txij li xyoo 90s lig. Lawv muab kev sib tsoo thiab kev mob nkeeg rau cov dev thiab miv thaum muaj hnub nyoog 14 xyoos. Thiab yog tias koj tus tsiaj muaj hnub nyoog qis dua 14 xyoos, nws tuaj yeem tso npe rau hauv kev pab them nqi mus tas li.
Cov tswv tsiaj muaj kev xaiv mus ntsib ib tus kws kho tsiaj muaj ntawv tso cai hauv Asmeskas, Canada, lossis Puerto Rico rau kev kho mob. Zuag qhia tag nrho, nws muab cov tswv tsiaj lub sijhawm los yuav lawv cov kev sib tsoo thiab kev mob nkeeg hauv online thiab hauv xov tooj. Tom qab ua tiav koj qhov kev txiav tawm, cov cai tswj hwm 90% ntawm cov nqi tsim nyog thiab tsis muaj kev txwv txhua xyoo. Trupanion tsuas yog muab ib txoj kev npaj rau miv thiab dev thiab nws yog txoj cai xwm txheej thiab mob. Cov cai tswj hwm kev mob nkeeg thiab kev raug mob, suav nrog kev kuaj mob, nyob hauv tsev kho mob, tshuaj noj, thiab kev phais.
Pros
- Kev txiav tawm ntawm $0 txog $1,000
- Direct them nyiaj rau vets
- Cov kev pab muaj los ntawm yug
Cons
- No Wellness Plan
- No exam fee coverage
- Ib qho kev xaiv them rov qab
5. Fetch Insurance
Fetch insurance, yav tas los Petplan, yog ib lub tuam txhab tuav pov hwm loj tshaj plaws thiab lawv tau nyob ib ncig ntawm 20 xyoo. Lawv cov phiaj xwm suav nrog kev kuaj mob, kev mob nkeeg thiab xwm txheej, acupuncture, thiab kev kho tus cwj pwm, nrog rau kev kho mob chiropractic.
Lawv cov phiaj xwm pib ntawm $ 30 toj ib hlis thiab tsuas yog them dev thiab miv xwb. Tab sis txawm hais tias lawv tsis npog cov tsiaj txawv txawv, lawv cov kev pab cuam yog qhov dav heev.
Lawv kuj tseem muaj lub sijhawm tos luv luv ntawm 15 hnub rau kev mob nkeeg thiab kev sib tsoo nrog rau cov nyiaj txo tub rog nrog rau ntau yam kev xaiv rau kev them nyiaj txhua xyoo thiab txiav tawm.
Pros
- Customizable deductible
- Comprehensive plans
- Unlimited kev pab
- Muaj ntau txoj kev them nyiaj rov qab
Cons
- No Wellness Plan
- No pre-existing coverage
6. Pawp Insurance
Pawp yog qhov kev xaiv zoo yog tias koj xav tau txoj kev npaj yooj yim thiab pheej yig rau koj tus miv lossis dev. Los yog, yog tias koj tsuas xav tau kev pov hwm rau kev kub ntxhov. Nrog Pawp, koj yuav tsis tas txhawj txog kev txiav tawm thiab them nyiaj nrog lawv cov phiaj xwm.
Tsuas xa koj daim ntawv thov nyiaj rov qab. Pawp tsuas yog npog cov kev raug mob raug mob, yog li lawv yuav npog tej yam xws li cov khoom noj lom, txhaws ntswg, thiab lwm yam kev raug mob sab nraud lossis lub cev. Kev them nyiaj rov qab yog yooj yim li xa koj daim ntawv thov nyiaj rov qab.
hom kev pab no muaj qhov downside. Pawp tsuas yog tso cai $ 3,000 nyob rau hauv kev pab them nqi max ib xyoos twg, uas tej zaum yuav tsis txaus yog tias koj tus tsiaj raug mob. Txawm li cas los xij, lawv cov phiaj xwm pib ntawm $ 18 toj ib hlis, thiab koj tuaj yeem tau txais kev saib xyuas kev noj qab haus huv los ntawm cov kws kho tsiaj muaj ntawv tso cai. Yog lawm, nws ntxim hlub, tab sis tsis yog rau tus neeg uas xav tau kev pab them nqi kho mob niaj hnub.
Pros
- Plans tib tus nqi txawm tias muaj hnub nyoog / hom twg
- Kev pabcuam kev noj qab haus huv
- Txoj kev npaj pheej yig
Cons
- Tsis muaj kev tiv thaiv
- Txhua xyoo txwv yog $3,000
7. Bivvy Insurance
Bivvy yog ib lub chaw muab kev pabcuam me me uas muaj kev noj qab haus huv zoo nkauj thiab kev tuav pov hwm. Qee qhov ntawm lawv cov phiaj xwm pib qis li $ 9 toj ib hlis thiab lawv suav nrog kev kuaj mob, microchipping, thiab tshuaj noj. Cov txheej txheem thov yog yooj yim, thiab kev pab them nqi tuaj yeem muab tau tsawg li ob hnub rau cov tsiaj uas tau cuv npe hauv qhov kev pab cuam noj qab haus huv.
Lawv cov nqi them tsis yog nyob ntawm koj tus tsiaj cov poj niam los yog hnub nyoog, thiab nws yuav tsis nce raws li koj tus tsiaj muaj hnub nyoog. Txoj kev npaj them nqi kho mob suav nrog kev kho mob xwm txheej ceev, ultrasounds, kho hniav, thiab mob ntev. Muaj 14-hnub tos rau kev tshoob kos thiab 30-hnub rau kev mob nkeeg thiab xwm txheej.
Pros
- Tus nqi qis heev
- Has Wellness Plan
- Txoj kev xaiv kev pab them nqi kho mob
- Cov kev pab suav nrog xwm txheej
Cons
- Txhua xyoo txwv tsis pub muaj
- Tsis suav nrog kho hniav
- No spaying or neutering
8. Embrace Insurance
Embrace yog ib tus kws kho mob me me, tab sis lawv muab cov phiaj xwm pheej yig thiab dav rau miv thiab dev. Nws yog ib qho kev xaiv zoo yog tias koj tab tom nrhiav ib pob tag nrho rau koj tus tsiaj. Cov phiaj xwm siv tau yooj yim no suav nrog ntau yam mob hnyav, xws li kev phais loj thiab kev mob hauv lub cev, nrog rau kev mus pw hauv tsev kho mob ntev.
Lawv cov phiaj xwm kuj suav nrog kev them nyiaj rau kev kuaj mob thiab kev coj tus cwj pwm. Embrace muab kev txo nqi tub rog rau cov tswv tsiaj nrog ntau tus tsiaj thiab lawv cov phiaj xwm raug nqi nyob qhov twg los ntawm $ 16 txog $ 35 toj ib hlis. Kev pab them nqi tsis them cov tsiaj txawv, tab sis lawv muaj qee qhov kev pab them nqi kho mob ua ntej, kho tau.
Pros
- Cov kev pab them nqi kho hniav
- Plans are comprehensive
- Has Wellness Plan
Cons
- Txhua xyoo max yog tsawg
- Tau lub sijhawm tos
9. ASPCA Insurance
ASPCA Insurance yog lwm tus muab kev pabcuam uas tau nyob ib puag ncig nws feem ntau paub los ntawm nws lub koom haum nrog American Society for the Prevention of Cruelty to Animals. ASPCA cov kev pab them nqi kho mob muaj dav thiab raug nqi txog $30-55 nyob rau nruab nrab. Lawv muab cov nyiaj them rov qab rau qee yam kev mob caj ces thiab teeb meem kev coj cwj pwm.
ASPCA tus kws kho mob yog ib lub sijhawm ntev thiab muab kev pabcuam tag nrho rau kev tu tsiaj niaj hnub, xws li kev kuaj mob thiab kev kho deworming. Nws tseem suav nrog kev kho lub cev, kho hniav, thiab tshuaj. Lawv muab ntau yam kev npaj noj qab haus huv thiab ntau tus tsiaj luv nqi. Koj tuaj yeem sim qhov kev pab cuam rau 30-hnub lav. Lawv tsis them rau tej yam uas twb muaj lawm, tab sis lawv muaj 30-hnub sim. Yog tias koj xav pom seb nws puas yog ib yam uas ua haujlwm rau koj tus tsiaj.
Pros
- Muaj kev noj qab haus huv thiab kev pabcuam tag nrho
- Cover microchipping
- 30-hnub lav
- Affordable
- Hais xov tooj app
Cons
- Lub sijhawm tos yuav ntev
- No pre-existing conditions
10. He althy Paws Insurance
He althy Paws tau nyob ib ncig ntawm 12 xyoo thiab lawv cov kev pab them nqi pib tsis zoo heev. Txawm li cas los xij, lawv tau nthuav dav lawv cov kev muab los ua cov nroj tsuag qee qhov kev sib tw tshaj plaws hauv kev lag luam. Cov tswv tsiaj tuaj yeem xaiv los ntawm tag nrho cov kev npaj them nqi uas suav nrog kev pab them nqi kho mob, mob ntev, thiab cov nqi kho mob xwm txheej ceev. Noj qab nyob zoo Paws tsuas yog muaj cov phiaj xwm rau miv thiab dev - yog li tsis muaj kab txawv, hmoov tsis.
Qhov no yuav tsis yog tus kws kho mob zoo yog tias koj nyiam qhov kev pab cuam noj qab haus huv rau kev saib xyuas niaj hnub. Tab sis lawv cov phiaj xwm kev tuav pov hwm ib txwm muaj them rau kev tiv thaiv kev tiv thaiv, xws li txhaj tshuaj tiv thaiv thiab xwm txheej kub ntxhov (xws li, lom, txhaws, thiab lwm yam).
Cov phiaj xwm no raug nqi txog $8-25, thiab cov phiaj xwm dev feem ntau raug nqi me ntsis ntxiv. He althy Paws tsis muaj kev tiv thaiv lossis kev saib xyuas tsiaj ntau. Txawm li cas los xij, nws yooj yim rau xa cov ntawv thov los ntawm lawv lub xov tooj ntawm tes thiab online portal thiab lawv muaj 30-hnub lav los ua qhov kev sim me ntsis.
Pros
- Easy thov xa
- Hais lus zoo heev
- 30-hnub lav
- Tsis muaj nyiaj ntau tshaj txhua xyoo
Cons
- No exotics
- No Wellness Plan
Tus Neeg Yuav Khoom Qhia: Xaiv Tus Neeg Pov Hwm Tus Tsiaj Zoo hauv Missouri
Rau tus neeg yuav daim ntawv qhia no peb tau tsim ib daim ntawv teev cov txheej txheem los pab koj ntsuas tus kws kho mob. Cov xwm txheej xws li kev pabcuam rau cov neeg siv khoom, cov ntsiab lus ntawm txoj cai, thiab kev xa ntawv thov ua lub luag haujlwm tseem ceeb hauv kev txiav txim siab seb tus neeg muab kev pabcuam puas ua haujlwm rau koj tus tsiaj cov kev pabcuam. Hauv qab no yog cov lus qhia ceev ceev ntawm txhua yam.
Insurance Coverage
Cov kev pov hwm them nqi kho mob yog hais txog cov ntsiab lus tseeb ntawm qhov uas tau them hauv koj txoj cai hauv cheeb tsam no koj yuav pom cov txheej txheem kho mob lossis kho hniav uas yuav tso cai rau koj tau txais cov nyiaj them rov qab. Cov cheeb tsam no tseem yuav suav nrog cov ntsiab lus hais txog kev txwv hnub nyoog / tsiaj txhu, cov xwm txheej ua ntej, thiab cov nqi txo uas yuav raug siv.
Reputation & Customer Service
Tsis muaj tuam txhab tuav pov hwm zoo ib yam. Yog li, raws li koj tuaj yeem xav tau, txhua tus neeg muab kev pabcuam yuav tau txais cov lus qhia sib txawv los ntawm nws cov neeg siv khoom. Peb tau tshawb xyuas cov kev tshuaj xyuas rau txhua tus neeg muab kev pabcuam ntawm ntau qhov chaw xws li Trustpilot, yog, thiab lwm qhov chaw tshuaj xyuas kom tau txais lub tswv yim ntawm hom kev tawm tswv yim uas lawv tau txais. Vam tias, qhov no yuav muab rau koj qee qhov kev nkag siab txog yam uas cov neeg siv khoom nyiam tshaj plaws thiab tsawg kawg ntawm qhov kev pab cuam.
Thov them rov qab
Qhov ceev thiab zaus uas cov neeg thov raug them rov qab yog qhov tseem ceeb thiab cov tswv cuab zoo npaum li cas ob peb cov kev pab cuam los ntawm ib tus kws kho mob. Kev them nyiaj sai sai nrog feem pua ntawm cov ntawv thov raug pom zoo txhais tau tias peb cov lus tawm tswv yim los ntawm cov tswv cuab.
Policy Price
Txoj cai nqe yog tej zaum qhov kawg txiav txim thaum nws los txog rau kev pov hwm tsiaj. Tom qab tag nrho, yog tias tus tswv muaj peev xwm them taus kev pov hwm tsiaj, lawv tsis zoo li yuav thov rau nws. Txawm li cas los xij, feem ntau cov phiaj xwm kev pov hwm yuav raug nqi nyob qhov twg ntawm $ 15 txog $ 50 toj ib hlis rau miv thiab dev, thiab ntau dua rau cov tsiaj txawv. Qhov no zoo li yog qhov tsim nyog rau ntau tus tswv tsiaj.
Plan Customization
Lwm qhov txiaj ntsig uas cov tswv tsiaj zoo li nyiam yog kev npaj kho. Customize cov phiaj xwm feem ntau tso cai rau cov tswv cuab hloov cov kev txiav tawm, hom phiaj xwm, thiab cov ntsiab lus ntawm kev pab them nqi kom haum rau lawv tus kheej xav tau. Nws tsim nyog sau cia tias kev hloov kho txoj kev npaj kuj tuaj nrog cov nqi them ntxiv lossis cov nqi txiav tawm.
Cov neeg siv yuav tsum hais dab tsi
Peb pom tias ntau tus tswv tsiaj tau hais txog qhov tseem ceeb ntawm cov nqi them nqi thiab cov ntsiab lus ntawm qhov kev pab cuam. Nws kuj zoo nkaus li tias qhov nyiaj them siab tshaj plaws txhua xyoo thiab thov rov qab feem pua yog qhov tseem ceeb rau cov tswv tsiaj tab tom nrhiav cov chaw muab kev pab.
FAQs
Kuv Yuav Tau Txais Kev Pab Them Li Cas?
Hom kev pab them nqi uas koj yuav tsum tau txais yog nyob ntawm koj tus tsiaj. Yog tias koj lub ncoo laus dhau los ua rau muaj teeb meem kev noj qab haus huv, tej zaum koj yuav xav xav txog txoj kev npaj ua kom tiav. Los yog, yog tias koj muaj peev nyiaj ntau dua, cov phiaj xwm no yuav zoo dua rau koj.
Qee tus tswv tsiaj tau txais kev tuav pov hwm los them kev sib tsoo lossis mob, uas yog pheej yig dua. Koj tseem tuaj yeem nrhiav cov phiaj xwm kev noj qab haus huv uas tsis tshua kim tshaj qhov kev pab them nqi tag nrho thiab muab cov nyiaj them rov qab rau cov khoom xws li kev saib xyuas cov kws kho tsiaj niaj hnub, xws li txhaj tshuaj tiv thaiv kab mob, thiab kuaj kab mob parasite thiab kho.
Conclusion
Pet insurance coverage tau nrov dua li yav tas los. Thiab yog tias koj muaj ib tus tsiaj uas raug xwm txheej, laus dua, lossis koj tsuas xav tsis them tus nqi tag nrho rau nws txoj kev saib xyuas niaj hnub, kev tuav pov hwm tus tsiaj yuav tsim nyog saib rau.
Qhov zoo tshaj plaws txog kev tuav pov hwm tsiaj yog tias nws pheej yig, qhov nruab nrab ntawm $ 15 ib hlis mus txog $ 50 ib hlis rau dev thiab miv. Cov kws kho mob nrog cov phiaj xwm dav xws li Spot thiab Prudent yog qhov chaw zoo pib pib koj qhov kev tshawb fawb.
