宠物保险头图形

pet care insurance guide宠物护理保险指南

Protecting the smallest member of your family: A step-by-step guide to pet insurance保护最小的你的家庭成员:一个循序渐进的指导,以宠物保险
By Burke Jones由伯克琼斯
Let’s face it – Fido and Fluffy are an important part of your family.让我们面对现实-f ido和松软的是一个很重要的一部分,你的家人。 Do you want to have to assign a dollar value to them if they become sick or injured?你想不想有转让一美元的价值,如果他们生病或受伤?

That may well be the case if you don’t have pet health insurance.很可能,如果情况属实,如果你没有宠物健康保险。 Rising veterinary costs mean that pet owners can pay hundreds – and even thousands – of dollars for their pets’ health problems.上升的兽医费用指宠物主人可以支付数百名-甚至数以千计的人-计为自己的宠物的健康问题。 As the bills stack up, uninsured pet owners must determine how much they are willing to spend on their animal friend.由于法案堆叠起来,没有投保宠物主人必须确定有多少,他们愿意花自己的动物朋友。 It can be a heartbreaking decision to make.它可以是一个令人心碎的决定。

Much like insurance for health, cars and homes,很像保险,为健康,汽车,住房, helps people put a little money away now to avoid a major payout later.它帮助人们提出了一点钱,现在距离,以避免重大的奖金。 Coverage and cost vary, so it’s important to thoroughly research the options if you decide to insure your pet.范围和成本有异,所以它的重要性,深入研究,选择,如果你决定投保,你的宠物。

Step one: Determine if第一步:确定 is Right for You是最适合你

When people decide to get a pet, they often don’t consider how they will deal with the inevitable unexpected illnesses or accidents.当人们决定要得到宠物,他们往往不考虑他们将如何处理这些不可避免的突发疾病或发生意外。 Keeping a pet indoors by no means eliminates all the hazards.饲养宠物在室内并不意味着消除了所有危险。 They can still swallow foreign objects, ingest a poison or injure themselves.他们仍然可以吞异物,服食毒药或伤害自己。 As well, living indoors does not make a pet immune to disease and infection – particularly those that are common to their breed.以及,生活在室内并不会使宠物免疫疾病和感染-特别是那些同时也是常见其滋生。 Pets with access to the outdoors have even more opportunities to pick up a disease or get hurt.与宠物接触到户外有更多的机会来挑选一件疾病或受到伤害。

Don’t have a dog or cat?没有一只狗或猫? Insurance companies are starting to offer plans that meet the needs of a variety of pet owners.保险的公司也开始提供计划,满足各种各样的宠物主人。 Some now offer coverage for birds and exotic animals.有些公司现在所提供的涵盖范围为鸟类和奇异动物。

Not all owners are good candidates for pet insurance, however.并非所有业主都是好的候选人,为宠物保险,但。 is ideal for owners who deeply love their pets and are willing to spend a significant amount of money to keep them healthy and extend their life.是理想的业主,深为爱自己的宠物,并愿意花大量的金钱,让他们健康,延长他们的生命。 They buy their cherished companions the best food and care they can afford, sometimes even putting their pets’ needs before their own.他们购买他们所珍视的同伴们最好的食物和照顾,他们可以负担的费用,有时甚至把自己的宠物的需要,然后才自己。 For this type of owner,对于这种类型的老板, can be a smart investment that can prevent considerable costs and bring peace of mind.可以是一个聪明的投资,可以预防相当大的成本,并带来和平的心态。

Pet insurance is not a good investment for owners who don’t have a strong emotional tie to their pet.宠物保险,是不是一个好的投资,为业主,没有一个强有力的情感纽带,以他们的宠物。 Owners who would rather have their pets euthanized than spend money on vet bills are not good candidates for pet insurance.业主宁愿有自己的宠物安乐死比花钱,审核票据不会好人选,宠物保险。

Step two: Decide What Type of Coverage You Want第二步:决定什么类型的覆盖面,你想

Most pet owners will weigh two main considerations when shopping for pet insurance: budget and coverage.大多数宠物主人会权衡两个主要考虑购物时,为宠物保险:预算和覆盖面。 Peace of mind can also be an important factor, but far more difficult to quantify.内心的平安,也可以是一个重要因素,但到目前为止,更难以量化。

Pet health insurance is still relatively new in the United States and Canada, so the options available are fewer than for other forms of insurance.宠物健康保险仍是相对较新的,在美国和加拿大,所以可供选择的是少了,比其他形式的保险。 That said, North American pet owners can choose from a variety of coverage choices, ranging from injury/accident-only to all-inclusive.尽管如此,在北美宠物主人可以选择从各种报导的选择,从伤害/事故不仅包容一切。

As with all insurance products, the cost of跟所有的保险产品,该费用 increases as the coverage improves.加覆盖面好转。 As a pet owner, you must decide what is作为宠物主人,你必须决定什么是

Dog Medicine 狗药
Would you like to save big money on your Dog Medicine? 你想节省大笔对你的狗药? Well if you buy your pet prescriptions online, you can do just that! 如果你买你的宠物医生处方网上,你可以做到这一点!
Cat Medicine 猫药
Your cat deserves the best Cat Medications available! 你的猫,不愧为最佳猫药物可用! However, you also have to be watching the budget if you don't want to spend your entire paycheck to buy medicine for your cat. 但是,你还必须看预算,如果你不想花你的整个薪资买药为你的猫。
Dog Insurance 狗保险
Buying dog insurance is one of the best investments you can make. 买狗保险是其中一个最好的投资,你可以作出。 Last year Americans spent billions of dollars on dog health care. 去年美国人花了几十亿美元对狗的健康照顾。
Cat Insurance 猫保险
Cat insurance can save you big money on the health care costs of your cat. 猫保险,可为您节省大笔对医疗成本,你的猫。 Many people probably have more than one cat in their home which will quickly double or triple your healthcare costs for your cats. 很多人可能有一个以上的猫在自己的家乡,这将迅速增加一倍或两倍,你的医疗费用,为你的猫。
Pet Insurance 宠物保险
Pet health care cost Americans $18.2 billion last year!! 宠物健康护理成本美国人18200000000美元去年! Pet insurance can really help you keep these costs under control, and the expense for the health care plan is really affordable. 宠物保险能真正帮助你保持这些成本在控制之下,牺牲为保健计划,实在是负担得起的。
Cat Flea Medications 猫蚤药物
One of the joys of summer for the cat owner is fleas. 其中一个欢乐的暑假,为猫主人是跳蚤。 There are many cat flea medications available today that were not available just a few years ago. 有许多猫蚤药物可今天表示,并没有仅仅在几年前。
Cat Flea Medications 猫蚤药物
One of the joys of summer for the cat owner is fleas. 其中一个欢乐的暑假,为猫主人是跳蚤。 There are many cat flea medications available today that were not available just a few years ago. 有许多猫蚤药物可今天表示,并没有仅仅在几年前。


the right balance between affordability and the care you want for your pet.两者之间取得适当平衡的能力,并照顾你想为你的宠物。

- Coverage -报导
When choosing当选择 coverage, first consider what kind of insurance customer you are.覆盖面,首先要考虑什么样的保险客户你。 Do you prefer all-inclusive coverage that pays for everything from routine checkups and vaccinations to accidents and chronic illnesses, or are you comfortable with a lesser degree of coverage that just kicks in during emergencies?你喜欢包容一切的复盖范围付出一切从例行体检和预防接种事故和慢性疾病,还是你感到舒服较低程度的复盖范围只是踢在紧急情况期间? Perhaps you prefer a flexible plan that offers discounts on a wide range of services, from veterinary care to training.也许你喜欢一个灵活的计划提供折扣,就范围广泛的服务,从医疗护理培训等。 This decision will lay the groundwork for your final choice.这项决定将打下基础,为您的最终选择。

Some issues to consider:有些问题需要考虑:

* Make sure to check for coverage of pre-existing conditions as well as breed-specific genetic ailments, such as hip dysplasia for large dogs. *请务必检查覆盖预先存在的条件,以及品种特定的遗传疾病,如髋关节发育不良的大狗。 Some plans refuse to cover these conditions.一些计划拒绝支付这些条件。

* Some plans place limits on annual, per-incident, per-illness or lifetime costs. *一些计划限制每年,每事件,每生病或寿命成本。

* How old is your pet? *怎样岁,是你的宠物吗? Coverage usually starts at eight weeks, but some plans won’t cover pets over a certain age (usually between six and 10 years old, depending on the breed, type of animal and other factors).报导通常开始在8个星期内,但有些计划将不包括宠物超过一定年龄(通常为6至10岁,这取决于品种,类型的动物和其他因素) 。

- Cost -成本
Payment options for付款选择 include flat fees or deductibles and/or co-payments.包括固定费用或免赔额和/或共同支付。 Not surprisingly, plans with lower monthly premiums come with higher deductibles and/or larger co-payments.毫不奇怪,计划以较低的保费月来高免赔额和/或较大共同支付。

Some issues to consider:有些问题需要考虑:

* Insurance premiums are affected by the age, health and breed of your pet, as well as the type of animal. *保险费是受年龄,健康及繁殖你的宠物,以及该类型的动物。

* Some plans offers discounts for multiple pets. *一些计划提供折扣优惠多宠物。

* Plans generally require customers to pay the vet bill first and then submit receipts for reimbursement. *计划的国家一般要求客户支付审核条例草案第一次,然后提交收据报销。

* Find out if the insurance premiums will increase as your pet ages. *了解,如果保费会增加你的宠物的千古罪人。

* Depending on the plan you choose, the monthly premiums can range from less than $10 to about $40. *根据计划,你选择哪种方式,每月保费,可以从不到10美元至40美元。

Step three: Choose an Insurer第三步:选择保险公司

You’ve determined what you can afford to spend and the amount of你确定你能负担得起的消费意欲和金额 coverage you want.报导你想要的。

Before selecting an insurer, here are some final considerations:然后选择保险公司,这里有几个最后考虑:

* Make a list of your questions and priorities in advance. *列出你的问题和重点,具有超前性。 Make sure to answer or check off each item when reviewing plan options.作出肯定回答,或查阅过每一个项目时,审查计画选择。

* Research the insurer thoroughly. *研究保险公司彻底。 Review its website and sales materials, read its testimonials, talk to other pet owners and look for on-line reviews.审查其网站和销售材料,阅读其证言,谈其他的宠物主人,并期待为上线评语。 How long has the company been in business?有多久,该公司一直在做生意吗? Are its customers satisfied?都是它的客户满意度? Make sure you feel comfortable about everything you hear or read.确保你感到舒适,处处你听到或看到。

* Compare the plan’s benefit schedule with your vet’s fees to determine to what degree the plan will cover the actual treatment costs. *比较,该计划的受益如期与您的兽医费用,以确定在何种程度上该计划将涵盖实际治疗费用。

* Find out how quickly the insurance company reimburses customers’ claim payments and if it has claim deadlines. *了解如何迅速保险公司偿还客户的索赔金额,如果有索赔的最后期限。

* Read the fine print. *可阅读打印。 Make sure you completely understand the plan’s benefits and, more importantly, the limitations.确保您完全了解该计划的好处,而更重要的局限性。 If something isn’t clear, ask – and get the answer in writing.如果事情并不清楚,问-获得书面答复。 Otherwise, you might find you don’t have the coverage you need if an accident occurs.否则,你可能会发现你没有涵盖范围,你需要,如果发生意外。

* Start a file for your pet. *开始一个文件,为你的宠物。 Use it for all receipts and insurance paperwork so you can keep on top of your claims and make sure you are maximizing your insurance investment.用它为所有收益及保险文书工作,让您可以掌握所有的债权,并确保你是最大化你的保险投资。

Your responsibility as a pet owner doesn't end with food, shelter and affection.你们的责任,作为宠物主人并没有结束,与食物,住房和爱戴。 Pet health insurance can give the smallest member of your family a longer and healthier life – and provide you with more time to enjoy the unconditional love it so willingly offers to you.宠物健康保险可以给最小的你的家庭成员更长和更健康的生活-并为您提供更多时间来享受无条件的爱,所以心甘情愿地提供给你。
Burke Jones is a frequent contributor to Pet Health Depot writing about Dog Insurance and Cat Medicine.伯克琼斯是一个频繁贡献者宠物健康车厂写狗保险和猫药。

Here are some more pet insurance articles...这里有一些更多宠物保险条款...

Rising Pet Theft crime wave and VPI Pet Insurance Cover 崛起宠物盗窃犯罪浪潮和的VPI宠物投保
By alan payne 艾伦佩恩
How would you feel if you looked into your yard or garden one day or called your pet name one morning, to not then see your loveable, companion pet friend come leaping towards Read more...你又会怎样,如果你看过你的庭院或花园一天或所谓你的宠物名字有一天早上,不要那么见你的可爱,伴侣宠物的朋友,来实现跨越式阅读更多… …
How to Get Pet Insurance for Your Dog 如何让宠物保险,为您的狗
By Katie Brandt 由凯蒂勃兰特
Have you taken your dog to the vet recently?你有你的狗去看兽医最近? Did you balk at the cost of a regular check up or the price tag of your dog’s medicine?你不惜代价,定期检查或标价贵狗的药? In a more extreme example, your dog may have eaten something that Read more...在一个更极端的例子,你的狗可以吃的东西了解更多… …
Rising Pet Theft crime wave and VPI Pet Insurance Cover 崛起宠物盗窃犯罪浪潮和的VPI宠物投保
By alan payne 艾伦佩恩
How would you feel if you looked into your yard or garden one day or called your pet name one morning, to not then see your loveable, companion pet friend come leaping towards Read more...你又会怎样,如果你看过你的庭院或花园一天或所谓你的宠物名字有一天早上,不要那么见你的可爱,伴侣宠物的朋友,来实现跨越式阅读更多… …
pet care insurance news:宠物护理保险新闻:

Dog Medicine 狗药
Would you like to save big money on your Dog Medicine? 你想节省大笔对你的狗药? Well if you buy your pet prescriptions online, you can do just that! Cat Medicine 如果你买你的宠物医生处方网上,你可以做到这一点! 猫医药
Your cat deserves the best Cat Medications available! 你的猫,不愧为最佳猫药物可用! However, you also have to be watching the budget if you don't want to spend your entire paycheck to buy medicine for your cat. Dog Insurance 但是,你还必须看预算,如果你不想花你的整个薪资买药为你的猫 犬保险
Buying dog insurance is one of the best investments you can make. 买狗保险是其中一个最好的投资,你可以作出。 Last year Americans spent billions of dollars on dog health care. Cat Insurance 去年美国人花了几十亿美元对狗的健康照顾。 猫保险
Cat insurance can save you big money on the health care costs of your cat. 猫保险,可为您节省大笔对医疗成本,你的猫。 Many people probably have more than one cat in their home which will quickly double or triple your healthcare costs for your cats. Pet Insurance 很多人可能有一个以上的猫在自己的家乡,这将迅速增加一倍或两倍,你的医疗费用,为你的猫。 宠物保险
Pet health care cost Americans $18.2 billion last year!! 宠物健康护理成本美国人18200000000美元去年! Pet insurance can really help you keep these costs under control, and the expense for the health care plan is really affordable. Cat Flea Medications 宠物保险能真正帮助你保持这些成本在控制之下,牺牲为保健计划,实在是负担得起的。 猫蚤药物
One of the joys of summer for the cat owner is fleas. 其中一个欢乐的暑假,为猫主人是跳蚤。 There are many cat flea medications available today that were not available just a few years ago. Cat Flea Medications 有许多猫蚤药物可今天表示,并没有就在几年前, 猫蚤药物
One of the joys of summer for the cat owner is fleas. 其中一个欢乐的暑假,为猫主人是跳蚤。 There are many cat flea medications available today that were not available just a few years ago. 有许多猫蚤药物可今天表示,并没有仅仅在几年前。

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