寵物保險的優點與缺點

August 19, 2015 • petbucket

寵物保險的優點與缺點
近年來，獸醫醫學領域有了顯著進步。現在已有獸醫心臟科醫師、獸醫神經科醫師，甚至還有獸醫腫瘤專科醫師。這些專業分工讓許多寵物能過得更快樂、活得更久，但這一切都需要付出代價。
 
獸醫照護的費用，幾乎和從業人員的專業程度一樣快速上漲。許多飼主發現照顧貓狗的費用高得難以負擔，有些人甚至因為資金不足，不得不放棄心愛的陪伴動物。
 
寵物保險試圖填補經濟能力與獸醫費用之間的落差。購買寵物保險保單可能相當合理，但消費者務必了解其中的優缺點。以下是寵物保險可提供的一些優點：
 
.   寵物保險能讓您安心。光是這份安心感，就足以成為選擇寵物保險的理由。許多飼主擔心自己沒有足夠資金照顧寵物，而寵物保險能讓他們放心。
 
.   寵物保險讓您能提前掌握獸醫費用。為獸醫照護編列預算並不容易；您永遠不知道貓咪或狗狗何時會生病或發生意外。寵物保險能讓獸醫費用更容易預測，也更方便納入預算。
 
.   寵物保險可能救您的寵物一命。許多飼主最後決定讓寵物安樂死，考量的並非醫療需求，而是經濟費用。擁有寵物保險，對心愛的寵物而言，可能就是生與死的差別。
 
.   越來越多獸醫現在接受寵物保險。寵物保險剛推出時，許多傳統派獸醫不願加入合作網絡或接受保險給付。然而如今，越來越多獸醫樂於接受寵物保險，也了解它如何幫助客戶。
 
寵物保險或許很有用，但當然不是萬靈丹。以下是為寵物投保的一些缺點。
 
.   寵物保險可能很昂貴。寵物保險的費用可能相當高，尤其是在獸醫照護費用特別高的大城市。飼主需要衡量，這份安心感是否值得額外花費。
 
.   某些品種可能很難，甚至無法投保。具有已知遺傳疾病或慢性病的品種，可能較難投保。即使有保險可投保，遺傳缺陷有時也會被排除在保障範圍之外。
 
.   為年長或生病的寵物投保時，您可能會遇到困難。隨著寵物年紀漸長，投保可能會更加困難。罹病機率會隨年齡增加，這也會使投保更不容易。家中貓狗已經生病的飼主，也會面臨同樣的困難。
 
.   合作醫療院所的網絡可能有限。寵物保險公司的運作方式與傳統健康保險公司非常相似。若您平常看診的獸醫不屬於合作網絡，您可能需要負擔較高的自付費用，甚至遭到理賠拒絕。
 
.   寵物保險可能不涵蓋例行照護。例行檢查和疫苗接種可能不在寵物保險的保障範圍內，因此飼主仍需另外為這些項目編列預算。
 
最後，每位飼主都需要自行判斷寵物保險是否值得購買。財務資源充足的飼主可能願意承擔風險、不購買保險；而銀行帳戶較有限的愛寵人士，則可能會因為保險已備妥、以防萬一而感到更安心。

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評論(9)

  1. patriia miller.

    i don't know if its good or not to have insurence

  2. Kathryn

    We breed Sphynx kitties. We give all our clients 30 days of free health insurance. This give us and the new owners peace of mind just in case in the unlikely event the kitten has any health issues. The new owner can elect to continue the insurance or cancel it at the end of the 30 days.

  3. Coral

    Here in Australia Pet Insurance is quite competitive and comes at 3 levels. Level 1 Accident. Level 2 Accident & Illness. and Level 3 which cover pretty much all including Routine examinations and vaccinations. Pre-existing illness/ailments aren't covered.

    I have a level 2 with my dog and it cost me $20 a month with a 80% rebate up to $11,000.00 a year

    It's paid off twice now when my dog suffered gastro and a respiratory ailment. So glad I had the insurance

  4. Christine

    Hi Coral,
    which insurer are you using ?
    I thought it was dearer to insure my small cross breed'

    Cheers Christine

  5. Coral

    Hi Christine,
    I use Woolworths Pet Insurance. It's the same company used my RSPCA and Guide Dogs Australia

  6. Christine

    thank you Coral

  7. Lily

    Eventho there are plenty of Pet Insurance companies in the United States cost is still high...I pay almost $60 a month for your level 2 & I have compared many companies. It is more than what I pay for my own medical!

  8. Karin

    What you cited as disadvantages are not actually disadvantages except maybe the first which is cost. That is a disadvantage.

  9. Best Pet Insurance

    Pet insurance has many advantages, such as saving money, ensuring the pet's well-being, choosing the expensive treatment and vet with low cost, and so on. The disadvantages are not much higher than the advantages. The disadvantages are some exotics pets are hard to insure, aged dogs are hard to insure, and pet insurance doesn't cover routine care. Benefits are higher. It would help if you had pet insurance for your pet. Contact Fast ESA Letter for affordable pet insurance.
    https://bit.ly/3c3TuaA

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