Kodi inshuwaransi ya pet ndi chiyani ndipo imagwira ntchito bwanji?

Malingana ndi North American Pet Health Insurance Association (NAPHIA), makampani a inshuwalansi ya ziweto adawonjezeka kawiri pakati pa 2018 ndi 2021, ndi malipiro opitirira $ 2.59 biliyoni ku US mu 2021. potengera ndalama zina zachiweto zokhudzana ndi kukhala ndi ziweto. Koma kodi inshuwaransi ya pet imaphimba chiyani? Kodi inshuwaransi ya ziweto imagwira ntchito bwanji? Phunzirani zambiri za inshuwaransi yazaumoyo wa ziweto pansipa kuti muwone ngati kuli koyenera kwa wachibale wanu waubweya.

Inshuwaransi yaziweto ndi dongosolo laumoyo lomwe mwiniwake amalipira pamwezi kapena chaka chilichonse kuti abweze ndalama zoyenerera zachipatala. Wowona zanyama akawona chiweto chifukwa chavunda, mwiniwake amalipira vet mokwanira ndikutumiza kukampani yake ya inshuwaransi kuti amubwezere, zomwe zimatsatiridwa ndi mfundo za ndondomekoyi. Ngakhale kuti mapulani ambiri a inshuwaransi ya ziweto ndi agalu ndi amphaka, makampani angapo a inshuwalansi a ziweto amapereka chithandizo kwa nyama zina, monga mbalame, zokwawa, akavalo, ndi akalulu.

Nthawi zambiri pali mitundu itatu ya mapulani a inshuwalansi ya ziweto zomwe mungasankhe.

  • Mapulani angozi okha Idzalipira ngongole za vet zoyenerera zokhudzana ndi ngozi monga mafupa osweka kapena kumeza zinthu zakunja.
  • Ndondomeko ya ngozi ndi matenda Zimaphatikizapo mitundu yonse iwiri ya chisamaliro cha ziweto, kupereka chitetezo chokwanira kwa mwiniwake koma pamtengo wokwera. Matenda angaphatikizepo matenda, khansa, nyamakazi, shuga, ndi ziwengo.
  • Ubwino wanthawi zonse kapena chisamaliro chopewera Mapulani, omwe onyamula ena amapereka ngati chowonjezera chosankha kapena dongosolo lapadera, amapereka chindapusa cha zinthu monga katemera, chithandizo cha utitiri, ndi spay/neuter.

Ma deductibles, malire achitetezo, zolipirira, ndi zina zotere zimatha kusiyana kutengera kampani ya inshuwaransi. Phunzirani zambiri za mapulani osiyanasiyana a inshuwaransi ya ziweto ndi makampani omwe ali mumagulu a Best Pet Insurance Companies a 2022.

Inshuwaransi ya ziweto nthawi zambiri imagwira ntchito pobweza. Izi zimangotanthauza kuti mumalipira veterinarian kutsogolo ndiyeno perekani chiwongola dzanja kuti mubweze ndalama zomwe muli nazo. Makampani ena, monga Trupanion, amagwirizana ndi ma vets ena, ndipo mumawalipira mwachindunji kotero kuti muli ndi udindo wolipira ndalama zomwe simukuyenera kulipira.

Mukagula inshuwalansi ya chiweto, mumasankha ndalama zochepetsera, zobwezera ndalama, ndi malire a pachaka, zomwe zimakhudza malipiro anu komanso kuchuluka kwa ndalama zomwe mungabwezere. Deductible yanu iyenera kukwaniritsidwa kampani ya inshuwaransi isanakubwezereni. Ndalama zoyenerera zimabwezeredwa kutengera kuchuluka komwe mumatchula, nthawi zambiri 70% mpaka 90% ya mtengowo, ndipo malire apachaka amakhazikitsanso kuchuluka kwa dollar komwe mungafune chaka chilichonse. Makampani ena a inshuwaransi amapereka njira zopanda malire zapachaka.

Ngakhale njira zolembera ndi kubweza ngongole zimatha kusiyana, nthawi zambiri zimagwira ntchito motere:

  1. Pangani nthawi yokumana ndi vet wanu.
  2. Tengani chiweto chanu kuti mukawone vet.
  3. Lipirani ndalama zanu zonse za vet.
  4. Lembani chiganizo pa intaneti kapena kudzera pa pulogalamu ya m’manja ya kampani ya inshuwalansi ya ziweto ndikuphatikiza kopi ya invoice.
  5. Kampani ya inshuwalansi ya ziweto ikavomereza chigamulocho, landirani chipukuta misozi mwa kusungitsa mwachindunji kapena cheke pamakalata.

Kubwereza ndi kuvomereza kungathe kutenga masiku angapo, masabata awiri, kapena mwezi umodzi, malingana ndi kampani, ndondomeko, ndi kukula kwa zochitika kapena matenda.

Mapulani ambiri a inshuwaransi ya ziweto amagwira ntchito pobweza ndalama, kotero mutha kugwiritsa ntchito chithandizo chanu ndi vet, katswiri, kapena chipatala chadzidzidzi chomwe mungasankhe. Mosiyana ndi inshuwaransi yazaumoyo wa anthu, inshuwaransi yazaumoyo ya pet ilibe maukonde operekera. Komabe, makampani ena atha kukhala ndi zofunikira zina kuti akwaniritse kuti ndalama za vet ziyenerere kubwezeredwa.

Zomwe inshuwaransi ya pet imabisala zimadalira dongosolo lomwe mwasankha:

  • ngozi yokha: Imalipira ndalama zangozi zomwe adokotala amakumana nazo, monga kumeza zinthu, kulumidwa ndi nyama ina, kuthyoka mafupa, ndi kudula.
  • Dongosolo lonse: Zimakhudza ngozi ndi matenda, kuphatikizapo ziwengo, khansa, majini, opaleshoni, kugonekedwa kuchipatala, mikhalidwe yosiyana ndi mtundu, ndi nyamakazi.
  • Chisamaliro chanthawi zonse: Imalipira ndalama zodzitetezera, monga kuyeretsa mano, katemera, chindapusa chapachaka, ntchito yamagazi, ndi kupha kapena kupha, komwe kumatchedwanso kuti pet health plan.

Ziribe kanthu kuti inshuwaransi yanji ya ziweto zomwe mungasankhe, zomwe zidalipo kale nthawi zambiri sizimaperekedwa kwa chithandizo. Komabe, makampani ena ali ndi nthawi yodikira zinthu zomwe zinalipo kale ndipo adzapereka chithandizo ngati chiweto chanu sichikhala ndi zizindikiro kwa nthawi yeniyeni, monga miyezi isanu ndi umodzi kapena 12. Makampani ena sapereka chithandizo chilichonse.

Mapulani a inshuwalansi ya ziweto nthawi zambiri amakhala ndi nthawi yodikira ngozi ndi matenda. Kudikira nthawi ndi nthawi pakati pa kutsegula kwa ndondomeko ndi kulowa mphamvu ya Kuphunzira. Mwachitsanzo, ngati ndondomekoyi ili ndi nthawi yodikira kwa masiku 14 kuti muyambe kudwala ndipo ndondomeko yanu iyamba kugwira ntchito pa 1 mwezi, maulendo oyendera odwala sangayenerere kubwezeredwa mpaka pa 15.

Nthawi yodikirira ngozi ndi matenda ndi yochepa poyerekeza ndi nthawi yodikirira ngozi zomwe zidakhalapo kale komanso matenda. Ngakhale kuti simungadumphe nthawi yodikira, mukalandira chithandizo mwamsanga chiweto chanu, m’pang’ono pomwe kuti chiwongoladzanja chidzakanidwa chifukwa cha nthawi yodikira komanso mwamsanga mutalandira chithandizo cha zomwe zidalipo kale.

Ndalama zazikulu zomwe inshuwaransi ya ziweto sizimalipira ndi zomwe zidalipo kale, ndalama zosagwirizana ndi veti, komanso chisamaliro chokhazikika, pokhapokha mutagula dongosolo lazaumoyo. Zitsanzo zenizeni ndi izi:

  • maphunziro
  • Mimba
  • Njira zodzikongoletsera monga kudula makutu, kuchotsa zikhadabo za mame, ndi kukokera mchira
  • DNA test
  • Ngozi kapena matenda obwera chifukwa cha ndewu, kuthamangana, nkhanza kapena kusasamala
  • Njira zosafunikira
  • njira zodzitetezera
  • Njira zamankhwala

Ndalama zatsiku ndi tsiku zokhala ndi choweta, monga chakudya cha ziweto, zoseweretsa, mavitamini, zolipiritsa zodzikongoletsa, ndi zolipirira zogona, nazonso sizilipidwa. Komabe, ena onyamula, monga Embrace, amalipira chakudya chomwe mwapatsidwa ngati muli ndi dongosolo laumoyo. Palinso zonyamulira zina, monga Fetch, zomwe zingapereke ndalama zolipirira ngati mwiniwakeyo ayenera kukhala m’chipatala kwa nthawi yayitali, kawirikawiri masiku anayi kapena kuposerapo.

Inshuwaransi ya chiweto, monga inshuwaransi zambiri, imakhala ndi kuchotsera. Kuchotsera, kutengera zomwe mwasankha, zimakhudza mtengo wanu. Ma deductibles apamwamba nthawi zambiri amachepetsa mtengo wanu pomwe ma deductibles otsika amakulitsa mtengo wanu.

Nthawi zambiri pali njira ziwiri zochotsera. Ma deductibles apachaka, monga omwe amagwiritsidwa ntchito ndi Embrace, ndi ofanana ndi omwe amapezeka mu inshuwaransi yachipatala yamunthu. Deductible ikakwaniritsidwa, palibe kuchotsera komwe kudzagwiritsidwa ntchito pazolinga zamtsogolo panthawi ya ndondomekoyi.

Onyamula ena atha kuchotsera mwangozi (pazochitika) zilizonse. Pankhaniyi, deductible idzagwiritsidwa ntchito nthawi iliyonse chiweto chanu chikapita kwa vet kuti apeze vuto latsopano. Kupirira kotereku kungakupangitseni kuti mulandire chipukuta misozi chochepa pa chilichonse.

Ndikofunika kufunsa momwe deductible ikugwiritsidwira ntchito pa ndondomeko yomwe mukuganiza kugula.

Mu 2021, malipiro a inshuwaransi ya ngozi ndi matenda agalu ndi amphaka anali pafupifupi $49 pamwezi ndi $29 pamwezi, motsatana, malinga ndi North American Pet Health Insurance Association (NAPHIA). Komabe, mutha kupeza dongosolo la inshuwaransi ya ziweto zomwe zimagwirizana ndi zosowa zanu zocheperako.

Malinga ndi Best Pet Insurance Ranking 2022, Lemonade imapereka inshuwaransi yotsika mtengo kwambiri kwa agalu pamtengo wapamwezi wa $19.44 komanso amphaka pamtengo wa $11.00 pamwezi. Makampani okwera mtengo kwambiri, kumbali ina, ndi Padziko Lonse agalu $56.74 pamwezi ndi Trupanion amphaka $30.88 pamwezi.

Pali zinthu zambiri zomwe zimakhudza kuchuluka kwa inshuwaransi ya ziweto, kuphatikiza:

  • zip code yanu
  • Kodi muli ndi ziweto zamtundu wanji
  • Zaka za ziweto zanu
  • Mtundu wa ziweto zanu
  • Kukula kwa chiweto chanu
  • Pet inshuwaransi kuchotsera
  • mtengo wobweza
  • Mtundu wa dongosolo lothandizira lomwe mwasankha
  • Malire apachaka
  • Zowonjezera zomwe mungasankhe
  • Kampani yomwe mwasankha

Kaya mukufuna inshuwaransi ya ziweto zili ndi inu. Mukamaganizira za mtengo wa chisamaliro chazinyama poyerekeza ndi ndalama zambiri za inshuwaransi ya ziweto, inshuwaransi yaziweto ingakhale yopindulitsa pachiweto chanu, banja lanu, komanso zachuma chanu.

Mwachitsanzo, mutha kulipira $3,000 kapena kuposerapo ngati chiweto chanu chagonekedwa m’chipatala. Ngati mumalipira $30 pamwezi, kapena $360 pachaka, pa inshuwaransi ya ziweto, mutha kulembetsa. Munthawi imeneyi, muyenera kulipira inshuwaransi yanu kwazaka zopitilira zisanu ndi zitatu kuti mupereke chiwongola dzanja cha $3,000 chomwe sichiyenera.

Kuonjezera apo, kukhala ndi mtundu womwe umakhala wovuta kwambiri ku matenda ena, monga hip dysplasia, kungayambitse maulendo ambiri kwa vet kapena katswiri, komanso ndalama zambiri zomwe zingathetsedwe ndi ndondomeko ya inshuwalansi ya ziweto.

Ngati muli ndi veterinarian yemwe mumagwira naye ntchito ndipo mumamukhulupirira, kungakhale koyenera kupeza nthawi yofunsa za ndalama zomwe zikuyembekezeka za njira zina za ngozi kapena matenda. Fananizani ndalamazi ndi zolemba zosiyanasiyana ndi magawo obweza kuchokera kumakampani a inshuwaransi ya ziweto kuti akuthandizeni kusankha ngati mukufuna inshuwaransi ya ziweto.

Makampani ambiri a inshuwaransi ya ziweto amangophimba amphaka ndi agalu, koma pali ena omwe amaphimbanso mitundu ina ya ziweto. Padziko lonse lapansi ili ndi inshuwaransi ya mbalame ndi yachilendo, yomwe imakhudza zinyama zazing’ono, mbalame, zokwawa, ndi amphibians. ASPCA imapereka inshuwaransi yazaumoyo wa ziweto kwa akavalo.

Chisamaliro cha mano nthawi zambiri chimatengedwa ngati chizolowezi ndipo, chifukwa chake, sichikuphatikizidwa ndi kuperekedwa pansi pa mapulani ambiri a inshuwaransi ya ziweto. Komabe, ena amatha kuphimba mano kapena opaleshoni ngati achokera ku ngozi yophimbidwa, monga galu wanu kuthyola dzino pamene akugwira chidole ndipo ayenera kuchotsedwa opaleshoni. Kuphatikiza apo, makampani ena omwe ali ndi mapulani azaumoyo wa ziweto amaphimba kuyeretsa mano.

Dziwani zambiri

Kuti mumve zambiri za inshuwaransi ya pet, onani maupangiri awa:

360 Ndemanga Zofananira

Kuti mumve zambiri za mitundu ina ya inshuwaransi, onani maupangiri awa:

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Ndemanga za US News 360 zimatengera malingaliro athu mosakondera. Mukamagwiritsa ntchito maulalo athu kugula zinthu, titha kupeza ntchito koma izi sizikhudza ufulu wathu wa ukonzi.

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