Thaum nws los txog rau kev pov hwm tsiaj, koj tsis yog luv rau cov kev xaiv. Kev tuav pov hwm tsiaj tau nyob ib puag ncig rau ntau tshaj 100 xyoo, nrog Claes Virgin tsim thawj txoj cai tsiaj nyob rau hauv 1890. Claes Virgin, tus tsim ntawm Länsförsäkrings Alliance, feem ntau tsom rau nees thiab tsiaj txhu thaum nws tseem mos. Xyoo 1924, thawj daim ntawv pov hwm tus dev tau tsim nyob rau hauv Sweden, thiab kev pov hwm tsiaj tau loj hlob thoob plaws ntiaj teb los ntawm qhov ntawd.
Pet insurance ua haujlwm zoo ib yam li human he alth insurance. Muaj kev txiav tawm, lub sijhawm tos, thiab lwm yam. Hauv tsab xov xwm no, peb yuav tsom mus rau qhov kev tuav pov hwm tsiaj dab tsi tsis them kom koj tuaj yeem npaj thiab tsis txhob ua qhov muag tsis pom thaum koj mus siv. Nov yog 9 qhov kev cais tawm:
9 Qhov Kev Cuam Tshuam Feem Ntau Tsis Muaj Kev Pov Hwm Tus Tsiaj
1. Pre-Existing Conditions
Ah, lub sij hawm dreaded "pre-existing". Rau tib neeg, hom kev cais tawm no tau raug tshem tawm hauv xyoo 2014, tab sis rau cov tsiaj, nws tseem nyob. Qhov no yog ib qho kev cais tawm hauv kev tuav pov hwm tsiaj thiab ib qho uas tuaj yeem piav qhia tsis meej, nyob ntawm qhov teeb meem lossis qhov xwm txheej. Lub ntsiab txhais ntawm lo lus no txhais tau hais tias ib qho kev raug mob los yog mob uas muaj ua ntej kev pab them nqi pib yuav tsis them. Piv txwv li, yog tias koj tus dev tsoo nws txhais ceg, thiab koj txiav txim siab kom tau txais kev pab them nqi tom qab qhov tseeb, txhua yam uas cuam tshuam rau ceg ceg tawg yuav tsis raug them.
Qee txoj cai yuav them rau cov mob uas twb muaj lawm yog tias qhov raug mob lossis mob raug pom tias "kho tau" thiab tsis muaj tsos mob lossis kho tsis pub dhau 12 lub hlis dhau los ua ntej tau txais txoj cai. Cov mob uas kho tsis tau, xws li kev ua xua, ntshav qab zib, mob qog noj ntshav, thiab lwm yam mob, tuaj yeem raug them tom qab lub sijhawm tos. Qee txoj cai yuav tsis them rau cov mob uas kho tsis tau.
2. Tos Sijhawm
Lub sijhawm tos yog lub sijhawm koj yuav tsum tau tos kom tau txais kev pabcuam pib tomqab sau npe. Qee cov cai muaj sijhawm 14-hnub tos, thaum lwm tus tsuas muaj 2-3-hnub tos sijhawm. Txhua txoj cai pov hwm tus tsiaj muaj lawv tus kheej cov cai ntawm no, tab sis nws yog ib qho tseem ceeb kom paub thaum yuav khoom.
Txoj Kev Tiv Thaiv yog lub tuam txhab pov hwm tsiaj tshiab uas tsis muaj sijhawm tos, thiab nws tsuas yog peb paub txog qhov tsis muaj. Nco ntsoov, txawm li cas los xij, tias lawv tshuaj xyuas koj tus tsiaj cov ntaub ntawv kho mob, uas tuaj yeem siv sijhawm ob peb hnub, tab sis kev pab them nqi pib sai li sai tau thaum koj tso npe. Txawm li cas los xij, koj yuav tsum tau tos 6 lub hlis rau kev kuaj xyuas kev noj qab haus huv txhua xyoo kom them, tab sis tsawg kawg lawv them cov kev kuaj mob txhua xyoo (ntau yam tsis them nyiaj ntxiv).
3. Cev xeeb tub/Birth
Cov tuam txhab pov hwm tsiaj tsawg tsawg them rau cev xeeb tub lossis yug me nyuam. Txawm li cas los xij, lawv yuav them rau cov xwm txheej xwm txheej ceev, xws li qhov xwm txheej C-section lossis lwm yam teeb meem kev yug menyuam. Qhov no tsis yog hais tias txhua lub tuam txhab pov hwm tsiaj tsis kam them rau kev xeeb tub, tab sis feem ntau ua.
Trupanion kev tuav pov hwm tus tsiaj npog kev yug me nyuam thiab cev xeeb tub tab sis muaj qee yam kev cai. Yog tias qhov no yog qee yam uas koj xav kom tau txais kev pab, koj yuav tsum tau kuaj xyuas ob npaug ntawm txoj cai ua ntej kos npe, thiab yog tias koj tsis pom cov ntaub ntawv, thov hu rau lub tuam txhab tuav pov hwm ncaj qha thiab nug.
4. Tuag los yog tub sab
Lub ncauj lus no yeej yog ib qho uas tsis muaj leej twg nyiam los tham, tab sis nws tseem ceeb heev uas yuav tsum paub yog tias kev tuag lossis tub sab ntawm koj tus tsiaj raug them. Hais txog qhov xwm txheej no, qee qhov npog kev tuag thiab tub sab nyiag, thiab qee qhov tsis ua. Qee tus yuav npog tub sab tub nyiag tab sis tsis tuag, thiab tuag tab sis tsis yog tub sab, tab sis nws yeej nyob ntawm lub tuam txhab. Qee lub tuam txhab yuav them rau euthanasia yog tias tsim nyog kho mob, thiab qee qhov yuav them rau euthanasia tab sis tsis yog lub hleb lossis faus.
Txoj cai tub sab muaj nrog rau qee lub tuam txhab uas them nyiaj rov qab yog tias koj tus tsiaj raug nyiag yog tus yeej qhia dev lossis kev pabcuam dev.
5. Cov txheej txheem xaiv
Ua ntej, cia peb hais txog cov txheej txheem xaiv thiab lawv yog dab tsi. Cov txheej txheem xaiv tau suav tias yog kev kho mob tsis tsim nyog thiab yuav tsis raug them. Pob ntseg cropping, claw tshem tawm, spay / neuter, thiab tail docking yog ob peb yam piv txwv. Kev loj hlob ntawm daim tawv nqaij zoo kuj yuav poob rau hauv pawg no. Raws li spay / neuter, muaj cov phiaj xwm uas yuav them rau cov txheej txheem raws li txoj kev npaj noj qab haus huv, thiab feem ntau yog qhov kev pab cuam ntxiv rau koj txoj cai uas twb muaj lawm.
6. Hnub nyoog
Koj tus tsiaj lub hnub nyoog ua lub luag haujlwm seb lawv puas tsim nyog tau txais kev pab them nqi kho mob. Qee lub tuam txhab yuav tsis tso npe rau tus tsiaj thaum muaj hnub nyoog 14 xyoos lossis laus dua, thiab qee qhov tsis lees txais kev pabcuam thaum muaj hnub nyoog 10 xyoo. Qee lub tuam txhab pov hwm tsiaj tsis muaj hnub nyoog txwv, tab sis koj tuaj yeem them tus nqi siab dua rau tus tsiaj laus. Thaum kawg, koj yuav tsum ntsuas qhov zoo thiab qhov tsis zoo ntawm kev tau txais kev pab them nqi rau koj tus tsiaj laus thiab txiav txim siab seb nws puas tsim nyog tus nqi.
7. Kev Kho Hniav
Kev tu hniav niaj hnub feem ntau tsis them raws li kev tuav pov hwm tus tsiaj, tab sis qee qhov kev kho hniav yog, xws li kev tshem cov hniav, tshwj xeeb tshaj yog tias cov hniav puas los ntawm kev sib tsoo. Qee txoj cai tso cai rau koj ntxiv kev pab kho hniav rau koj txoj cai uas twb muaj lawm rau tus nqi ntxiv rau ib hlis; Txawm li cas los xij, kev tu hniav niaj hnub yuav tsis raug them. Kev ntxuav hniav tuaj yeem raug them yog tias nws yog ib feem ntawm kev kho mob, xws li stomatitis lossis kho hniav malocclusions.
Kab mob hniav yog ib qho tshwm sim, nrog rau 70% ntawm cov miv thiab 80% ntawm cov dev tsim qee yam kab mob ntawm cov hniav, thiab qee qhov raug kuaj pom thaum muaj hnub nyoog 3 xyoos. Yog tias tsis kho, nws tuaj yeem ua rau mob plab, mob, hniav poob, thiab eroded pos hniav. Thaum mob hnyav, nws tuaj yeem ua rau lub siab, lub raum, lossis lub plawv tsis ua haujlwm.
8. Kev Tiv Thaiv Kev Kho Mob
Feem ntau cov phiaj xwm tsis them rau kev tiv thaiv kev kho mob, xws li kuaj kev noj qab haus huv, ntxuav hniav, thiab tshuaj tiv thaiv. Qee cov phiaj xwm tso cai rau koj ntxiv qhov no rau tus nqi ntxiv txhua hli, thiab qee qhov tsis muab qhov kev xaiv no rau koj. Cov phiaj xwm feem ntau them rau kev raug xwm txheej thiab kev mob nkeeg uas tsis tau npaj tseg, thiab kev saib xyuas kev tiv thaiv tsis suav tias yog li ntawd.
Txhua qhov kev tuav pov hwm tus tsiaj txawv, thiab lawv txhua tus muaj lawv tus kheej cov cai thiab cov txheej txheem. Qee cov phiaj xwm muaj kev noj qab haus huv menyuam dev uas them rau cov tshuaj tiv thaiv, spay / neuter, deworming, thiab microchipping, thiab qee qhov muaj cov phiaj xwm tshwj xeeb miv lossis tsiaj txhu nkaus xwb. Nws yeej nyob ntawm seb hom kev pab them nqi twg koj tab tom nrhiav.
9. Kev Them Nyiaj
Txawm li cas los xij, nyob ntawm hom tsiaj uas koj muaj, kev tu tu ib txwm yuav nyob rau hauv kev txiav txim, tab sis tsis txhob cia siab tias koj daim ntawv pov hwm tsiaj yuav them rau cov nuj nqis tshwj tsis yog koj ntxiv pob nyiaj tiv thaiv rau koj tus nqi them txhua hli (kev tu cev yog suav tias yog kev tiv thaiv kev kho mob nrog rau feem ntau cov phiaj xwm). Australian Shepherds, Bichon Frise, Poodles, Yorkshire Terriers, thiab M altese yog ob peb yam piv txwv ntawm cov dev yug tsiaj uas xav tau tu ib txwm tu.
Yog hais tias tu tu cev yog ib qho tseem ceeb rau koj, Embrace pet insurance muaj kev pab tu tu tu cev raws li lawv txoj kev npaj tiv thaiv rau tus nqi ntxiv txhua hli.
Peb nkag siab tias kev taug qab ntau yam kev tuav pov hwm tus tsiaj tuaj yeem ua rau tsis meej pem, tab sis kev sib piv cov cai yog txoj hauv kev zoo tshaj plaws kom paub yog tias koj tau txais kev pab them nqi koj xav tau. Cov no tsuas yog qee qhov ntawm cov tuam txhab pov hwm tsiaj nyob sab saum toj uas koj tuaj yeem pib koj xaiv nrog:
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Conclusion
Thaum kawg, tag nrho cov phiaj xwm kev tuav pov hwm tus tsiaj muaj lawv tus kheej cov nqi txhua hli, ua rau koj paub seb hom kev pab them nqi twg koj xav tau thiab xav tau thiab koj txaus siab them npaum li cas. Qee lub tuam txhab pov hwm tsiaj ua kom yooj yim rau kev txiav txim siab, thiab lwm tus ua rau nws nyuaj me ntsis. Hmoov zoo, koj muaj ntau txoj kev xaiv; Nws tsuas yog siv sijhawm tshawb fawb me ntsis ntawm koj qhov kawg kom tau txais kev pabcuam zoo tshaj plaws rau koj tus tsiaj yam tsis tau rhuav tshem lub txhab nyiaj.
