"Cloud to work", "cloud to raise a baby", "cloud to raise a cat", "cloud to raise a dog"...
These words with the word "cloud" have "shined" during the epidemic, but in fact, "cloud" means "online".
Many people are hindered by various reasons, they can not keep pets, on the Internet to see others send pet videos, like, so every day look forward to others to update, over time, this behavior is called by the majority of netizens - "cloud pet".
People's love for animals is no longer a matter of one day or two days.
When we were very young, when we saw a stray kitten on the street, we always wanted to take it home, perhaps this is an innate compassion of people.
Lately, my daughter has been clamoring to raise a hamster.
Because her classmates had a fat milk tea hamster, she also wanted one.
Dad repeatedly asked her if she wanted to raise it on a whim, the girl muttered for a long time that it was not, And Grandpa took her to the pet store to pick it, only to find that raising a small hamster also had to prepare a lot of things.
In recent years, the pet market has developed more and more rapidly, and at the same time, many pet-related industries have emerged:
Pet hospitals, pet breeding, pet grooming, pet food, pet training, etc.,
Even the insurance has special pet insurance.
Is it necessary to buy insurance for pets? What does pet insurance cover?
Follow Daddy today.
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<h1 class="pgc-h-arrow-right" data-track="24" > why buy pet insurance</h1>
Raising a pet is not a simple thing, its eating and drinking, emotional needs, disease treatment, etc. must be responsible for meeting, and to raise it is responsible for its life, there is a beginning and an end.
Dad also has many friends who have pets, and one of them has a husky.
The dog is very lively and cute, which gives him a lot of fun and comfort, but sometimes it is also very distressing:
Like to tear down the house, the sofa at home has been bitten and broken several sets;
When you are sick, you have to take it to a special pet hospital, and once you even broke your leg, and the examination fee and treatment fee have cost a lot;
When walking the dog, you should always keep an eye on it and don't let it hurt other people
……
And pets are very expensive to see a doctor.
Because pets are not people, they can't say where they are uncomfortable, and pet doctors can only check one by one to eliminate problems.
So.
A friend took the dog at home to caesarean section and sterilization, which cost 3650 yuan, and the fee details are as follows:
(Pet production + sterilization fee)
Seeing this detailed rule, I believe that all the shovelers should have a deep feeling: pets are really expensive to see a doctor.
This has made many shovelers want to buy insurance to transfer the risk of disease treatment for their pets.
Again, after all, pets are not people, their behavior cannot be controlled, there is "animal nature", and in recent years, there have been many incidents of pets biting and scratching pedestrians in cities:
As a pet owner, you are responsible for the pet's behavior, and you are responsible for various financial losses such as compensation for the victim's treatment fees, just like the case in the picture above, because the injury is serious, the victim claims 100,000 yuan from the dog owner.
The high cost of treatment for pets and the number of injuries have also allowed some insurance companies to see the huge potential of the pet market and launch pet insurance.
So what are the types of pet insurance? What is the responsibility of the guarantee?
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<h1 class="pgc-h-arrow-right" data-track="93" > the types of pet insurance</h1>
At present, pet insurance on the market is mainly divided into two categories:
Pet Medical Insurance: Reimburses medical expenses incurred by a pet's illness or accidental injury.
Pet liability insurance: Compensates pets for financial losses that attack others or damage others, and reduces the owner's financial pressure.
1. Pet medical insurance
This type of insurance will be more complicated, we should see the protection content of the product when we buy, so as not to be out of the scope of claim after the insurance,
Specific selection can be seen in the following points:
Whether the coverage is comprehensive
Pet medical insurance is not what disease, what injury can be protected, when choosing we try to choose unlimited diseases, accidental injury can also be insured products,
Of course.
Whether the reimbursement conditions are superior
The higher the reimbursement rate, the better, the higher the single reimbursement amount, the better, and the lower the deductible, the better.
Whether the hospital restricts the fixed point
Most of the products will be limited to designated designated hospitals, some products of the hospital scope will be wider, other hospitals that meet the regulations can also be reimbursed,
If there is no designated hospital in the city, it is very troublesome to take a pet to the doctor.
Most of the common pets such as cats, cats, dogs and dogs can buy pet medical insurance, and everyone needs to pay attention when applying for insurance.
Next, let's take a look at the product form of pet medical insurance:
(Product form of pet medical insurance)
The first two are he's pet medical insurance, and the third is Li Ping'an's pet medical insurance.
All three products only cover dogs and cats.
The first two can protect diseases and accidental injuries, while the safe ones protect high-incidence pet infectious diseases such as canine distemper, cat plague, and canine acute infectious hepatitis.
It can be seen that pre-existing diseases, physical abnormalities, infectious diseases and other diseases are generally inquired about, and some products will also ask whether pets are engaged in high-risk work.
The waiting period also varies depending on the disease:
For general diseases such as diarrhea and constipation, the waiting period generally takes 30 days;
Cancer and oral diseases generally take 90 days;
Fractures and bites from accidental injuries take only 7 days/10 days.
And Ping An's pet is safe, because it only protects infectious diseases, so the waiting period is only 7 days.
In terms of medical institutions, Alipay and Weibao have a wider range of two types, and only require a licensed and licensed compliant pet hospital.
，
The reimbursement ratio of designated hospitals and non-designated hospitals is different, but the maximum will not be fully reimbursed, only 60%.
In terms of protection, it needs 399 yuan / year;
Only the peace of the infectious disease love pet peace of mind to ensure that the price is very close to the people, .
2. Pet Liability Insurance
The selection of pet liability insurance generally looks at the following points:
Guaranteed animals
Some products only protect dogs, and if the cute little ones at home are not dogs, there is no need to buy them.
Whether a dog license is required
A pet certificate or health certificate is usually required.
Liability for Safeguards
Some products only cover third-party medical care, and do not cover casualties and property damage.
Disclaimer of Warranties
See what is not covered.
Dad found two pet liability insurance, we can look at the product form:
(Product form of pet liability insurance)
The two products are harmony.
As you can see, pet liability insurance does not require the age, health and waiting period of the pet.
That is, only pet dogs can be insured, and at the same time, they need to have a dog license, and the Pacific pet dog owner liability insurance also needs to have a health certificate.
But in general, there will be fewer restrictions on insurance than medical insurance.
In terms of protection,:
That is, if the dog causes the casualty of others, the maximum compensation can be 100,000, the maximum single loss of PICC is 50,000, and the maximum single loss of the Pacific Ocean is 20,000.
Among them, the Pacific Pet Dog Owner Liability Insurance will also cover the medical expenses of third parties, with a maximum compensation of 5,000 yuan.
PICC's pet liability insurance also protects the property loss of others, and the sum insured is also 100,000 yuan, which is more comprehensive.
The protection of this type of pet liability insurance is not complicated, so the price is not very high, dozens of pieces, a hundred or so can be the highest loss of 100,000 yuan, or more cost-effective.
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<h1 class="pgc-h-arrow-right" data-track="199" > Dad summary</h1>
A good pet owner must love and be responsible for the life of the pet and bear the weight of this life.
If your dog or cat is always active, easy to get hurt, or too excited to go out and easily hurt others,
Buy a pet insurance policy for it to alleviate financial pressure.