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Data:2009-12-12 2:34
Pet insurance companies were bereavement
In Europe and the United States, more and more families will be his beloved pet as a member of the family, and they showed great enthusiasm for sickness and death. Now, cats and dogs is not much to spend raising children in peacetime, once the onset of Health may from time to lower the cost, so early to buy a pet insurance, and my heart may ease more.
Pet a mere animals? The answer is naturally negative. In Europe and the United States, more and more families will be his beloved pet as a member of the family, and they showed great enthusiasm for illness and death, of course, can buy an insurance policy for them will become a matter of course.
Pet medical care costs soared
Shannon Casey has a 4-year-old Pekinese dog Phoebe, Casey bought insurance for it. Phoebe found a lot of disease, skin allergies, gastrointestinal problems, etc., are in need of treatment, so the insurance has become a good financial investment. While Casey has also applied to the insurance company claims, but she does think that this expenditure value for money. Living in the United States, California A xiang Doogie, prescient for their own dog to buy a pet insurance. Last spring, Dodge family Nazhi yellow Labrador Retriever has been twice rattlesnake bite, the treatment costs amounted to 2425 U.S. dollars, of which 60% paid by insurance companies.
As the number of Americans have a pet is rising, the cost of medical care for pets has soared. Today's veterinarians and pet some previously only humans can enjoy health care services. In order to afford the expensive treatment, the people for their pet medical insurance has become a matter of course. More and more Americans choose to purchase pet health insurance to pay for medical expenses. Insurance coverage is not only promising to provide cats and dogs, and even for the birds and some rare species such as chinchillas and other set up an insurance policy.
America's largest pet insurance company veterinary pet insurance company, said a quarter of 80000 will be able to sign copies of new policies. Consumer data PackagedFacts's statistical report showed that the cost of pet insurance, an increase of four years of 45%. The age of 40 to 50-year-old white women between the purchase of a relatively high proportion of pet insurance.
People tend to buy pet insurance, one reason is that previously only used human beings for medical procedures and treatments are now off more applied to pets, such as radiotherapy, chemotherapy, magnetic resonance imaging and high-tech surgery. Now even cats can do the kidney transplant surgery. An animal hospital doctor, said Suzanne Stephens, veterinary expertise had improved, but costs are more expensive. Cat's kidney transplant is needed to 7000-8000 U.S. dollars, 1,200 dollars cataract surgery, a series of chemical treatments to easily break 2000 U.S. dollars on the dog hit a car accident after the surgery will reach 3,000 U.S. dollars. Today's most advanced cancer treatment dogs can be compensated up to 15,000 U.S. dollars! The average cost for pet insurance is about 250 U.S. dollars a year.
Not only can people with obesity problems and this year pets are often not even at risk of overweight. Britain will face serious problem of pet obesity, about 4 / 5 of the prevalence of obesity in dogs and cats and other pets, veterinary diagnosis and treatment of cases, about 1 / 4 is associated with obesity-related diseases, including heart disease, breathing difficulties and diabetes and so on, makes the pet obesity-related pet insurance benefits are more substantial growth in previous years.
It is understood that each pet to see a patient with obesity-related, pet owners have to spend 150-200 pounds of money, so instead of the arrangements for the pet to lose weight recipes, it is better to turn to insurance for damages, the insurance company introduced a family pet get paid £ 1500 for each casualty insurance policy.
The current across the UK 14 million pet dogs and cats look at the situation, pet insurance, auto insurance is expected to become residential, following after the third-largest insurance insurance.
Narrow range of pet insurance
In the United States, the majority of the insurance with the provisions of pet owners to pay all veterinary expenses, and then claims to insurance companies, insurance companies settle claims under the terms of the contract. In the pet insurance, general medical expenses claims is 50 U.S. dollars, a bladder infection treatment claims is 270 U.S. dollars, fractures on the board is 545 U.S. dollars, stomach cramps is 19,993 U.S. dollars.
Usually do not include insurance coverage that occurred prior to genetic defects or diseases, the funeral expenses were not included in the column. Some insurance companies provided more than 9 years of age the animals will not be able to participate in insurance. Pet owners should be careful choice of the insured's insurance, and some major medical insurance, while others are just animals and routine medical care insurance. Premium rates are based on the pet's age, a month ranging from 10-30 U.S. dollars.
In addition to insurance programs, some animal hospitals also provide a choice of protection scheme, which is equivalent to the means of preventive medical care. Hospital plan includes routine inspections, vaccinations, etc., as well as X-ray, blood test and clean teeth. Major surgery will not be covered, but there will be some discount pet owners feel that this protection scheme can save a lot of people money, and also ease of mind.
Buy pet insurance, whether it is in fact a worthwhile investment, depending on the final acceptance of even the kind of pet therapy. A consumer research magazine carried an article that the purchase of pet insurance a little bit like a forced savings, may not contain all the costs. Sometimes, pet owners buy insurance, but to an increase of medical costs. Fruit just ordinary treatment, insurance and uneconomical. However, if the pets do run into major surgery, then the insurance is very valuable.
According to a recent study by Defaqto, many people purchase pet insurance claims in the application found that their insurance coverage is not too narrow, that is, the excess part of the overpayment. This study shows that the purchase of pet insurance, there are three main potential risk that the insurance coverage is too small, over-purchase as well as the relatively high premiums and so on.
布莱恩布朗one of the authors of the report, said pet insurance may be the most complex personal insurance products, and also the richest emotional. Pet insurance with other insurance differentiated part is that, when you get insurance, you are for your pet's life is responsible for. Therefore, choosing the right insurance for your pet and his wallet is very important.
Pet insurance claims to facilitate
In Japan, known as the "Animal Health Masonic" pet health insurance from BestSys tems & Products company's operations. The pet insurance company to provide computer customer management system for hospitals, clinics, content, test items, cost standards and the relevant data is available through a computer at a glance. The clinic after the content and the amount of input into the computer, when you can know whether it applies to health insurance and pet owner's actual payment amount, while pet owners can be printed schedule of medical expenses. In November 2003 to carry out insurance pet therapy has been more than 200 pet hospitals throughout Japan with the signing of a co-insurance. Registered office as long as the pet hospital to produce insurance card, half the medical fees are paid by insurance companies.
With the pet community, the growing problem of aging and medical technology advances in medical costs soared; the other hand, pet health care is not necessarily the norm, fees not open has been the subject of yet to be resolved to join the Pet Hospital Pet medical insurance , the content according to different clinics, through the computer-regulated medical expenses paid out a notice at the same time to the pet owners can further open standards for medical expenses and other relevant information.
Japan did have some medical expenses for the pet insurance program mutual aid organizations, but most of the pet hospital treatment time and treatment content set the maximum payment of health insurance. Japan Veterinary clinics will be organizing the investigation, the fees in different conditions, to appeal to pet hospitals post medical charges, is the Pet Hospital, the state is still in its own way, there is no standard charge. Kyoto, a recent survey showed that medium-sized dogs from the daily hospital charges 500-42000 yen ranging from five kinds of combined vaccine costs of vaccination from 3000-30000 yen range.
With pet health insurance, not only can reduce the burden on pet owners, but this can easily be printed via the computer system cost breakdown, so that the guests on the medical expenses at a glance. This customer and pet hospitals are very beneficial to both sides.
In addition, before joining the insurance organization's pet hospital for treatment, in addition to join the insurance needs of individuals carried the burden of medical costs, other medical expenses by insurance companies to pet owners to apply for half of the medical expenses of the insurance.
Buy pet insurance, but also the earliest possible under the UK ASDA's statistics, 14% of pet owners buy insurance objects, of which 30% of pet owners call for pets to claims. Another study also found that pet insurance in the UK, only 1 / 10 of the cats and dogs have insurance, so pet insurance has a great space for development. With the rising cost of veterinary medicine, consumer awareness, pet insurance will increasingly become the personal financial management should be an integral part.
Understand that the insurance and the actual purchase of, or two different things. Some people think that pet is still young, there is no consider purchasing insurance. In fact, the cat to the 8-year-old began to develop health problems, type 5 to 6-year-old dog, small dog 7 to 8-year-old began to degradation of the body functions. Therefore, pet owners also recognized: the purchase of pet insurance, but also get to there early.
