我該為我的狗狗投保寵物保險嗎？

August 30, 2018 • lucy

我該為我的狗狗投保寵物保險嗎？
寵物保險：是浪費金錢，還是所有飼主的必需品？以下整理了所有優缺點：
 
根據 Canine Journal 的資料，每年多達三分之一的寵物需要緊急獸醫照護。然而，醫療帳單金額可能從數百到數千美元不等，因此許多飼主在帶狗狗看獸醫前會再三考慮。投保寵物保險方案可協助分擔這些費用，讓飼主在照顧毛孩時更安心。
 
和人類一樣，狗狗也可以投保，以支付意外事故或疾病後的照護費用。不過要注意的是，飼主仍須先支付產生的獸醫費用，之後保險公司會扣除自付額或免賠額後予以理賠。只要支付月費，多數保險公司便會提供多種保障類型，包括意外、疾病及健康保健方案。飼主可選擇最符合自家狗狗個別需求的組合。例如，意外方案涵蓋突發事件所需的 X 光、檢查與藥物費用，例如骨折；疾病方案則涵蓋狗狗生病並需要獸醫照護時的費用。健康保健方案則包含年度健康檢查與疫苗的保障。請注意，保險業者不會承保既有疾病，因此在寵物年輕時投保，或許可避免因年齡相關疾病而被排除在保障之外。
 
雖然當狗狗生病或受傷時，寵物保險能減輕艱難抉擇的壓力，但是否投保仍取決於每位飼主。比較保險時，應考量狗狗的品種、年齡、健康狀況、既有疾病、遺傳性疾病及個別照護需求，因為這些因素都會影響保險費用及寵物所需的保障。也請與獸醫討論狗狗年長後需要規劃哪些事項，因為您必須預先考量牠在晚年可能需要的照護。有些品種具有特殊的健康疑慮，會影響飼主是否投保的決定，例如黃金獵犬較容易出現髖關節發育不良。這可能使這些狗狗的保費較高，但保險費也可能為日後昂貴的手術節省開支。在研究並挑選出幾家符合您寵物特殊需求的公司後，請向它們索取保險報價。請獸醫提供狗狗病歷副本；真正重視您業務的公司會審閱這些資料，並清楚說明您的寵物方案中將被排除的任何疾病或狀況。在投保寵物保險前，務必確實了解哪些項目有保障、哪些沒有。
 
長期而言，若狗狗突發生病或受傷，寵物保險不僅能幫您省錢，也能減輕艱難決策的壓力。想進一步了解寵物保險並比較各項方案，請造訪 Canine Journal、Consumers Advocate 或 PetInsuranceQuotes.com。

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評論(3)

  1. Kate Sarginson

    I definitely would recommend Pet insurance especially if you have a young animal. I have always had pet insuance on my cats ever since it became available. I have had my premiums paid back multiple times. A friend's daughter got a kitten. First thing I said to her was to get insurance on it. The cost of the premium was less than 20. a month as the kitten was so young. She didn't. The kitten ate string and needed abdominal surgery 1000. plus. Three months later it was eating ribbon this time 1500. I have five cats that range in age from 3 to 16. Every year the premiums go up but it is so worth it to me. Unless you have a lot of money in the bank or a credit card with a high limit you may one day have to face having to either go into debt or have your animal euthanized. Get the insurance now. Better to have it and not need it than need it and not have it.

  2. Frances

    Absolutely the best monthly premium I’ve ever spent. My 100lb labradoodle, age five had to have a double knee replacement $12,000. Pet insurance paid $8,000 with no questions asked. My premium is $40 per month do it has paid for its of gor the rest of her life.

  3. Doreen Kendo

    Can you email me the name of your carrier and plan that you have

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