10 Inishuwarenzi Makambani Anopa Petiti Yepurimi

Kuenzanisa Pet Insurance Insurance Options

Kune mhuri dzakawanda, hapana munhu anodiwa kudarika mhuka yemhuri. Zvinosuruvarisa, kana chipfuwo chako chaunoda chichirwara kana kuti chinotambura nengozi, mari yekurapa inogona kudhura. Pet inshuwarisi inogona kunge iri kudzivirirwa kwaunoda kubvisa izvi. Inogonawo kubhadhara zvinhu zvakadai sekuongorora kwegore zvakanaka, majekiseni, kugovera, neutering, nezvimwewo. Zvechokwadi, iwe uchafanirwa kuverenga mari yezvikwereti uye ona kana zvakanakira iwe nemhuri yako.

Pet Inishuwarenzi Purogiramu, Zvinyorwa uye Zvisingawaniki

Chirongwa cheshuwarisi chepamhuka chiri munzira dzakafanana nehutano hwehutano inshuwarisi. Inobatanidza zvinhu zvakadai sezviitiko, kushanya zvakanaka, kukuvara uye zvirwere. Iwe unogona kuwedzera mitemo yevatasvi vachakupa kuwedzera kugoverwa kwezvinhu zvakadai semishonga, X-ray kana mishonga yemishonga. Nokuda kwezvipfuwo zvakadhura kana zvekunze, unogona kukwanisa kutenga upenyu nehupfumi inshuwarheni. Inishuwarenzi yemhosva inosarudzo yekufungisisa, iyo inogona kukudzivirira pamari yepamusoro uye mutoro wepamutemo kana chipfuwo chako chichingoruma kana kukuvadza mumwe munhu. Mitemo yakawanda yemwene weimba inopa huwandu hwekugadzirisa asi kana--kuda-iwe une unhu hutsinye hwekumba, kuchengetedzwa kumwe kunogona kukubatsira iwe.

Purogiramu yega yega yepanyama yakasiyana yakakosha saka zvakakosha kudzokorora zvinhu uye zvipo; icho chakafukidzirwa uye chisingafukidzwi. Pachava nezvibvumirano, zvinoreva kuti izvi ndezvibasa zvisingafukidzwi.

Kusagadziriswa pamushuwarisi wemapurisi kunogona kunge kune zvimwe zvinhu zvakadai sekuvhiya, kushanyira kune dzimwe nguva, mari yekubhadhara kana zvipfeko. Kunyangwe kana basa kana mari yakavharwa, iwe unofanira kutanga uchitarisira chekudzikinurwa usati pamba purogiramu yako yveshuwarensi ichabhadhara chero zvikomborero. Deductibles inogona kunge yakavakirwa pane imwe yega / yengozi kana yega / yehutano hwehutano kana inogona kunge iri pane imwe nguva yedzidziso.

Zvipfuwo zvine chirwere chekare chinenge chiripo kana zvipfuwo zvekare zvinogona kuiswa kunze kwekugoverwa.

Mitemo yakawanda ichava nemari yekubhadhara mari, zvichireva kuti iyi ndiyo mari yaunobhadharwa yebasa risati rasvika kambani ye inshuwarisi iyo inobhadhara pamhosva. Kana iwe ukashandisa mupi waunoda, mari yako yekubhadhara mari inogona kunge yakaderera. Iko kunowanzoita mari yakawanda kana mutemo wehuwandu, zvichireva kuti iyi ndiyo yakawanda yemari yako mitemo ichabhadhara pane zvikwereti panguva imwe chete yemitemo.

10 Inishuwarenzi Makambani Anopa Petiti Yepurimi

Kune makambani mazhinji emishuwarenzi anopa pet inshuwarisi yekufunga paanosarudza pakanakisisa mazano ekusarudza. Heano makambani einishuwarenzi 10 anopa pet inshuwarisi kuti iwe uitange paunenge uchifananidza mazano emitemo, mari yepamusoro uye zvingasarudzwa.

1. Utano Hwehutano : Utano Hweputi Pet Insurance & Foundation yakategurwa muna 2009 uye inopa chirongwa cheshuwarisi yehutachiwana yehutachiwana uye yezvirwere. Iyo mitemo inopa kugoverwa kwezviitiko, zvirwere, kenza, dambudziko, kutarisirwa, maitiro ehupenyu uye kushandiswa kweimwe imbwa nemakati. Hapana mitsara pane zvirevo. Utano hwehutano hune "A +" rating neBusiness Business Bureau. Yakave yakasarudzwa nekambani yemakambani ehurumende yemishonga inshuwarani mu 2012, 2013, 2014 uye 2015 ne petinsurancereview.com, Consumersadvocate.org uye PetInsuranceQuotes.com. Kune nguva dzoupenyu husingagumi uye dzinobatsira uye hazvibatsiri. Mamiriro ekutanga-akange aripo uye kuchengetedzwa kwekudzivirira haabviswi kubva pakugoverwa.

1. Trupanion : Trupanion pet inshuwarisi inopa cat uye imbwa yveshuwarisi nemitemo isina chaanoda uye isina makapi pane kugoverwa. Pane 90 kubva muzana yekubhadhara maitiro uye mabasa, zvichikusiya iwe kubhadhara 10 muzana mari yekubhadhara zvakakwana kune veterinarian. Iwe unogona kusarudza yako pachako kubva kudhora 0 kusvika ku $ 1 000, uchikubvumira kuwana chirongwa chinoshanda nebhajethi yako. Mamiriro akambovapo, hutano hwakanaka uye kuchengetedzwa kwekudzivirira hazvibvi. Trupanion "A +" yakarongedzwa neBusiness Business Bureau.
2. Nyika yose : Nyika yose yaiva imwe yevashandi vekutanga veUnited States kupa pet insurance. Kune zvirongwa zvitatu zvakasiyana zvakasiyana zvepanyama zvinowanika kuburikidza nenyika yose: Pet Pet : 90 muzana kumashure kwezvigadzirwa zvemari. Inovhara miedzo, maitiro emabara, X-rays, mirairo, mavhivhi; zvirwere zvekuchengetedza, zvisingagumi uye zvizvarwa (pasina nguva yekumirira) uye kuongorora zvakanaka. Coverage inotanga pa $ 64 / mwedzi; Kurapa Kukuru: Kuvhara mari yakawanda yakawanda yekurapa kunosanganisira miedzo, mabhii ekuongorora, ma-X-rays, mirairo, kuvhiyiwa, kutarisirwa, kugadziriswa, kusagadzikana (nguva yekumirira inoshanda). Coverage inotanga pa $ 34 / mwedzi; Pet Wellness : Zvirongwa izvi zvinotarisirwa gore negore kuongorora, kuongorora zvakanaka, kutapira uye kuvhara mwoyo kwemwoyo uye zvirwere. Coverage inotanga pa $ 17 / mwedzi.

1. PetPlan : Pet inshuwarheni kuburikidza nePetPlan inowanikwa mune dzose 50 US states uye District of Columbia. PetPlan ikambani yeUk asi yakawedzerwa kusvika kuU.S. muna 2003. Mabasa ayo eU.S. anonyanya kuve muPhiladelphia, PA. Iyo kambani yakange iri mubhizimisi kwemakore anopfuura 35. Iwe unogona kugadzira chirongwa chekukodzera zvido zvako. Njodzi, kukuvadzwa, kuongororwa kwemari, kufungidzira, kurapwa, mishonga, kurapwa kwekenza, kurapa mazino, kuvhiyiwa uye dzimwe nzira dzokurapa dzose dzinosanganiswa mune chirongwa chekugoverana. Iwe unogona kuwedzera sarudzo yekugadzirisa maitiro ekurapa maitiro, kuba, kubhadhara mari yekennel, rufu kubva kurwere kana kukuvadzwa nekuregererwa kwezororo.
2. Gamuchira : Njodzi uye inshuwarisi yehutano kuburikidza Kubvuma zvivharo zvevhavha uye zvirwere zvinosanganisira maitiro ehutachiona, kuora mwoyo kwemazino, kurapa kwekenza uye mishonga yemishonga. Mamiriro ezvinhu akambovapo asati abviswa kubva pakugovera. Pet inshuwarisi yakavhara njodzi uye zvirwere ine nguva 14 yekumirira uye chipfuwo chako chinofanirwa kushanyira chiremba wemhuka mukati memwedzi gumi nemana yapfuura. Kune mhuka mhuka itsva, unobvumirwa kutora chipfuwo chako kune vet wakati panguva yekumirira uye uchiri kukodzera kugoverwa. Dhaurirano inowanikwa pakuchera nekutsvaga, kubhadhara mitemo yako yakazara nekuchengetedza mhuka dzakawanda dzemhuka. ( GEICO inopa inshuwalisi yepamberi kuburikidza nekubatana kwayo ne Embrace Pet Insurance.)
3. Mhuka dzepamhuka dzakanaka : Pet inshuwarisi kubva kumapfupa Best inopa kugoverwa kwezvirwere, njodzi, mishonga yemishonga, zvipatara, kurapwa kwekenza, kuvhiyiwa, MRS, X-ray, CT Scans nezvimwewo. Kana ukasangana newaini yako yakabviswa, iwe uchadzorerwa kune zvose zvakafukidzirwa zvekuvhima zvekuvhima. Iwe unofanirwa kuisa kopi yekoji yako yekutsvaga uye kudai paIndaneti. Zvizhinji zvekutaura zvinoshandiswa mukati memazuva maviri ebhizinesi. Zvisingaiti zvinosanganisira zvinhu zvinenge zvagara zviripo, zvigadziriswa nzira, kubhadhara, kugadzirisa, zvokudya, zvinowedzera uye mavitamini. ( Progressive inopa pet inshuwarisi kuburikidza nekubatana kwayo nePets Best.)
4. PetFirst : PetFirst yakatangwa muna 2004 uye inopa kugoverwa imbwa nemakati. Iwe unogona kuisa purogiramu kuti uenzane nezvido zvako zvekuchengetwa kwemhuka. Ikoko hakuna zera kana zvizvarwa zvinorambidzwa. Zvisarudzo zvekuchengeta nguva dzose zvinosanganisira kuongorora miitiro, zvirwere uye meno kuchenesa zviripo. Pane kuraswa kwekuchengetedza mhuka dzakawanda dzemhuka. Petfirst ine zvirongwa zvitatu zvinozivikanwa zvehupfumi zvinosanganisira Lifetime 5,000 chirongwa chekupa njodzi uye kuvhara zvirwere, hapana zvipingamupinyi zvezera, hapana mhirizhonga yezviitiko, ine $ 5,000 muganhu wegore negore. Purogiramu inotanga pa $ 37 / mwedzi. Upenyu huripo 10 000 huripo hunotipa maitiro akafanana ekugoverana ne $ 10 000 gore rimwe nerimwe; pamwe chete neHupenyu Time 20,000 kuronga ne $ 20,000 muganhu wegore negore.
5. AKC Pet Insurance : AKC Pet Insurance inowanikwa muSeattle, Washington uye yakavakwa muna 2003. Chimwe chinhu chikuru pamusoro peAAC ndechekuti inobata mushonga kubva kune chero veterinarian. Iko hakuna zera rakabviswa uye iwe une mazuva 180 kubvira panguva yengozi kana kushanda kutumira zvirevo. Bhuku rinowanikwa uye mari yose yakafukidzwa nehuta, huti uye hutete hwemwoyo. Iwe unogona kuwanawo kuderedzwa kana iwe ukavhara zvisikwa chimwe chete.
6. PetPremium : PetPremium inshuwarisi yemakati nembwa inonyorwa neUnited States Fire Insurance Company. Pane zvirongwa zvitatu zviripo kutanga kubva pa $ 10 / mwedzi chete. Dhaurirano inowanikwa kune mhuka dzakawanda uye iwe unogona kuwedzera hutano hwakanaka kuti huve nehutano hwekuchengetedza. Chirongwa cheNhamba 1 chinongotaura nezvezviitiko chete ne $ 2,500 muganhu wezviitiko nemubhadharo wekubhadhara kusvika kusvika 90 muzana; iyo Purogiramu 2 inoratidzira njodzi uye zvirwere zvine $ 3,000 chikamu chechiitiko uye kubhadharwa kusvika kusvika 90 muzana; uye urongwa hweNguro 3 hunobata njodzi uye zvirwere pamwe nepamusoro pe90 muzana yekubhadharwa.
7. Pet Assure : Pet Assure yakatanga muna 1995 uye inopa kugoverwa kusina kusarudzwa kwemarudzi emhuka kana chirwere chekurapa chinodiwa. Haisi kunyanya inshuwarisi yemapurisa asi pane chirongwa chemhuka chekutsvaga. Zvinhu zvakasiyana-siyana nezvePet Assure ndezvokuti hazvirevi chete makati nembwa asiwo inosanganisira mamwe mhuka dzakawanda. Pano panewo mitemo yegore negore. Iwe unogamuchira 25 kubva muzana kudhakwa kwekushandisa muchengeti wezvigadzirwa zvehutano. Hapana zvinyorwa zvinoshandiswa uye panewo nguva dzekumirira kana kubhadhara nePet Assure. Ichi hachisi cheshuwarisi chemhuka yepanyama asi zvingave zvakakodzera kufungisisa kunyanya kana une chipfuwo chingave chakasarudzwa kuburikidza nehutano hwemishonga yemishonga yemishonga yemhuka.

Inishuwarenzi Yakakosha Yakakunakira Iwe Here?

Kana uchisarudza kana iwe uchifanira kutenga inshuwarisi yepanyama pane zvinhu zvakasiyana-siyana zvinofanira kutarisa zvakadai semakore uye hutano huripo hwechipfuwo chako, rudzi rwemhando uye kana kwete rudzi urwu rwunotanga kune mamwe maitiro kana zvirwere uye rudzi rwei nzvimbo yaunogara iwe-semuenzaniso, chirwere chako chinogona kuratidzirwa kune zvinhu zvinogona kukonzera njodzi kana matambudziko ehutano semamwe mhuka dzine ngozi kana nzvimbo dzinotyisa dzemigwagwa here? Kuenzanisa zvinhu izvi zvose, iwe uchazofanira kuziva kana mari yekambani iyi inonzwisisika kukuchengetedza pane imwe yeizvi mari.

Kana iwe ukasarudza kuti Pet Insurance inogona kuva yakanakisisa iyo iwe uye mhuka yako yepanyama, unogona kuona kuti makambani ane hupfumi hwemari kuburikidza nemasangano ehushuwarisi akadai se AM Best uye avo vane zvakanakisisa sevhisi yevashandi pamitambo yevatengi seJD Power & Associates pamwe nekuongorora kuti sei kambani inotungamirira zvipikisa neBusiness Business Bureau.