Thaum kev tuav pov hwm tus tsiaj tau muaj koob meej, nws tseem tsis tau txais ceg hauv Tebchaws Meskas, cia nyob ib leeg hauv Maryland. Lub koom haum American Pet Products Association (APPA) kwv yees tias 90.5 lab tsev neeg muaj tsawg kawg yog ib tus tsiaj. Lub koom haum North American Pet He alth Insurance Association (NAPHIA) tso cov tsiaj ntawv pov hwm ntawm 4.41 lab. Piv txwv tias cov tsiaj no feem ntau yog dev thiab miv, qhov ntawd txhais tau tias tsawg dua 2.9% ntawm cov tsiaj muaj kev pov hwm.
Qhov no yog ib qho tseem ceeb rau kev txiav txim siab, muab ntau qhov tseeb txog kev kho mob tsiaj. Tsuas yog taug kev hauv lub qhov rooj ntawm tus kws kho mob xwm txheej ceev yuav ua rau koj rov qab $ 150. Qhov ntawd tsuas yog rau kev kuaj mob thiab tsis suav nrog kev ua ntshav, kuaj, lossis cov txheej txheem. Raws li koj tau twv, muaj kev pov hwm tus tsiaj tuaj yeem muaj txiaj ntsig. Wb pom dab tsi koj tuaj yeem xav kom them nyiaj pov hwm tsiaj hauv Maryland.
Qhov tseem ceeb ntawm kev pov hwm tsiaj
Tsis tau npaj txhij, Maryland nyob qib siab ntawm tus nqi pov hwm tus tsiaj rau kev raug xwm txheej thiab mob ntawm qhov nruab nrab ntawm $ 50.02 rau dev thiab $ 30.17 rau miv. Cov lej hauv tebchaws yog $48.66 rau dev thiab $28.57 rau miv.
Qhov txawv tsis ntau, tab sis nws tsim nyog sau cia cov nuj nqis hauv qhov kev xav. Nws muaj kev nyab xeeb hais tias nws kim dua kom muaj tus tsiaj hauv Maryland dua li lwm qhov hauv lub tebchaws. Qhov ntawd yog qhov kev tuav pov hwm tus tsiaj tuaj. Nws pab kom koj cov nqi qis npaum li qhov ua tau, tshwj xeeb tshaj yog tom qab tsis tau pom dua mus rau chav xwm txheej tsiaj.
Puas Muaj Nyiaj Pov Hwm Tsiaj hauv Maryland Tus Nqi?
Maryland muaj ib qho ntawm cov tswv cuab tsiaj qis tshaj plaws hauv lub tebchaws, nrog rau tsev neeg nkag mus rau 49%. Yog li ntawd, koj yuav pom tias nws nyuaj dua los nrhiav ib tus kws kho tsiaj dua li nyob rau hauv qhov chaw uas muaj feem pua ntawm cov neeg muaj dev thiab miv. Tus nqi ntawm kev nyob kuj muaj feem cuam tshuam rau qhov koj yuav them rau cov kev pabcuam kws kho tsiaj.
Raws li American Veterinary Medical Association (AVMA), tus nqi nruab nrab rau peb mus ntsib kws kho tsiaj rau tus dev yog $495 lossis $165 txhua. Kev lag luam kuj tau cuam tshuam cov nqi no, nrog rau 75% ntawm cov neeg Asmeskas hais txog kev lag luam nyiaj txiag ntawm kev nce nqi yog qhov cuam tshuam.
Cia li tso rau hauv qhov kev xav nrog tus nqi txhua xyoo ntawm kev tuav pov hwm tsiaj hauv Maryland. Tus nqi nruab nrab txhua xyoo rau tus dev yog $ 600 thiab $ 362 rau tus miv. Nws tsim nyog sau cia tias cov cai tswjfwm suav nrog kev sib tsoo lossis kev sib tsoo nrog kev pab them nqi kho mob. Kev tiv thaiv kev saib xyuas feem ntau yog ib qho ntxiv thiab yuav tsis cuam tshuam rau peb cov kev suav. Cia peb saib seb qhov kev pov hwm them nqi kho mob puas yuav raug nqi.
Cov nqi ntxiv rau kev cia siab
Kev noj qab haus huv lossis kev tiv thaiv pob khoom feem ntau muaj cov nqi them rau ib qho kev them nyiaj. Nws feem ntau tsis suav tag nrho cov nyiaj. Txawm li cas los xij, feem pua yog qhov tsim nyog.
Nws tsim nyog sau cia tias qee qhov kev pov hwm yuav tsis them nyiaj mus ntsib txhua xyoo. Tsis tas li, qee tus yuav faib cov nyiaj tshwj xeeb uas koj tuaj yeem siv tau raws li koj xav tau. Peb xav kom koj nyeem cov ntawv zoo ntawm txhua qhov kev pabcuam ntxiv uas koj yuav.
| Pet Patient | Insurance | Nrog Kev Noj Qab Haus Huv |
| Annapolis, MD | ||
| 6-hli txiv neej Labrador Retriever | $40.99 | $56.99 |
| 4-xyoo, poj niam Chihuahua | $21.52 | $37.52 |
| 2-xyoos, poj niam Domestic Shorthair Cat | $15.56 | $31.56 |
| B altimore, MD | ||
| 6-hli txiv neej Labrador Retriever | $42.96 | $58.96 |
| 4-xyoo poj niam Chihuahua | $22.55 | $38.55 |
| 2-xyoos poj niam Domestic Shorthair Cat | $16.30 | $32.30 |
| Seat Pleasant, MD | ||
| 6-hli txiv neej Labrador Retriever | $34.95 | $50.95 |
| 4-xyoo poj niam Chihuahua | $18.34 | $34.34 |
| 2-xyoos poj niam Domestic Shorthair Cat | $13.26 | $29.26 |
Source:
Thaum twg Kuv Yuav Tau Txais Kev Pov Hwm Tsiaj?
Peb xav kom tau nyiaj pov hwm sai li sai tau thaum koj coj koj tus tsiaj mus tsev. Qee cov neeg tuav pov hwm muaj cov xwm txheej hais txog thaum koj tuaj yeem tau txais txoj cai ntawm tus tsiaj, feem ntau nrog lub sijhawm tos. Lawv feem ntau sib txawv nrog kev sib tsoo thiab kev tiv thaiv kab mob. Qee tus kuj muaj cov hnub nyoog qis dua. Koj yuav pom tau tias tej yam kev mob tshwj xeeb yuav muaj lawv cov cai rau tej yam xws li hip dysplasia.
Pre-existing conditions yog lwm daim ntawv lo nrog kev tuav pov hwm tsiaj. Nco ntsoov tias tib neeg yuav kev pab them nqi rau lub sijhawm ntev. Cov tsiaj feem ntau tsis nyob ntev npaum li tib neeg. Cov tuam txhab no tsis muaj sijhawm ntau los sau, yog li, lawv muaj kev them nyiaj tsawg rau qee yam.
Pab Pov Hwm Pov Hwm Li Cas?
Qhov kev faib pom tseeb yog ntawm kev sib tsoo nkaus xwb thiab kev sib tsoo- mob. Raws li koj xav, tom kawg raug nqi ntau dua, tab sis nws yog tus nqi zoo dua nyob rau lub sijhawm ntev.
Insurers feem ntau ua kom pom tseeb ntawm lawv lub vev xaib, feem ntau suav nrog cov qauv cai rau koj los tshuaj xyuas. Feem ntau suav nrog tej yam koj xav tau, xws li kev mob plab hnyuv, lom lom, thiab kuaj mob. Qee tus yuav muaj qee cov lus qhia txog kev yug tsiaj tshwj xeeb, zoo li patellar luxation.
Lwm yam tsis suav nrog yog cov kab mob uas tiv thaiv tau, xws li hnoos kennel, cov txheej txheem kho kom zoo nkauj, thiab raug mob los ntawm kev sib ntaus dev lossis kev tsim txom.
Dab tsi Kuv Yuav Tsum Paub Txog Pet Insurance?
Kev thov nyiaj yog ib qho kev tsis txaus siab feem ntau txog kev pov hwm tsiaj. Yog li ntawd, peb xav tshuaj xyuas lub tuam txhab cov txheej txheem ua ntej xaiv ib qho. Ntau tus neeg tuav pov hwm muaj mobile apps uas ua kom cov txheej txheem. Nco ntsoov tias cov phiaj xwm no feem ntau yog them rov qab thiab tsis ua tib yam li koj daim ntawv pov hwm kev noj qab haus huv.
Qee lub tuam txhab yuav xav kom koj xaiv ib tug hauv-network vet. Lwm tus yuav tsis npog koj tus tsiaj yog tias koj mus txawv tebchaws. Feem ntau tsis cuam tshuam nrog noog lossis lwm yam tsiaj txawv. Ntawm qhov kev ceeb toom zoo, ntau tus muaj ntau tus tsiaj luv nqi. Lwm tus muab cov txiaj ntsig rau kev thov tsis pub xyoo. Koj yuav pom cov kev xaiv los tswj cov nyiaj koj siv nrog koj xaiv ntawm feem pua ntawm kev pab them nqi thiab txiav tawm.
Nrhiav Lub Tuam Txhab Pov Hwm Tsiaj Zoo Tshaj Plaws hauv 2023
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Conclusion
Kev pov hwm tsiaj nyob hauv Maryland yog siab dua me ntsis hauv lub tebchaws. Ntau yam yuav pab tau rau nws, xws li tus nqi ntawm kev nyob, feem pua ntawm cov tswv tsiaj, thiab cov xwm txheej hauv cheeb tsam. Peb xav kom koj tshawb nrhiav koj cov kev xaiv. Tom qab tag nrho, koj tsuas muaj 25 tuam txhab uas muag los xaiv. Koj yuav pom ib qho uas haum rau koj tus tsiaj thiab koj cov peev nyiaj.
