Muaj tus tsiaj txhais tau tias them rau cov kev pabcuam kws kho tsiaj uas tuaj yeem raug nqi, tshwj xeeb tshaj yog tias koj muaj tus tsiaj mob nquag lossis muaj ib tus tsiaj uas muaj mob hnyav thiab raug mob ntau zaus. Hmoov zoo, muaj ntau txoj hauv kev rau kev pov hwm tsiaj nyob hauv Bay State, thiab nws pheej yig dua li koj xav.
Xaiv kev tuav pov hwm tus tsiaj tuaj yeem nyuaj, vim muaj ntau qhov kev xaiv kho tau uas hloov koj cov nqi them txhua hli. Tsis yog tag nrho cov xwm txheej raug them, thiab qee zaum, cov cai tuaj yeem ua rau tsis meej pem.
Hauv kab lus no, peb yuav sau 10 lub tuam txhab pov hwm tsiaj uas muaj kev pov hwm tsiaj hauv Massachusetts. Qee qhov ncaj nraim, thaum lwm tus yuav tau txais me ntsis nyuaj. Peb mam li sau cov ins thiab outs ntawm tag nrho cov 10, nrog rau qhov zoo thiab qhov tsis zoo los pab koj txiav txim siab zoo tshaj plaws rau koj tus dev lossis miv.
10 Qhov Zoo Tshaj Plaws Kev Pov Hwm Tus Tsiaj Hauv Massachusetts
1. Lemonade Pet Insurance - Qhov Zoo Tshaj Plaws
Lemonade pet insurance muaj kev pab them nqi rau dev thiab miv. Lemonade tsis tau muab kev pov hwm tsiaj rau ntev npaum li qee qhov ntawm nws cov neeg sib tw (2016), tab sis lawv paub tias lub ntiaj teb kev pov hwm tsiaj ua haujlwm li cas thiab muaj ntau yam kev xaiv rau Bay Staters.
Koj tuaj yeem xaiv qhov kev sib tsoo hauv paus thiab kev mob nkeeg uas suav nrog mob qog noj ntshav, UTIs, pob txha tawg, kab mob, ntshav qab zib, thiab txiav. Txoj kev npaj no tseem suav nrog cov kev pabcuam kuaj mob, cov txheej txheem, thiab tshuaj. Koj tuaj yeem ntxiv cov nqi mus ntsib kws kho tsiaj rau me ntsis ntxiv rau ib hlis, nrog rau kev tiv thaiv kev sib tsoo thiab kev mob nkeeg uas suav nrog kev coj tus cwj pwm, kev kho lub cev, thiab kev nco txog lub neej kawg.
Lemonade kuj muaj txoj kev npaj noj qab haus huv rau tus nqi ib hlis ntxiv uas them rau cov tshuaj tiv thaiv, kuaj kab mob plawv, kuaj ntshav, kev tu hniav niaj hnub, thiab tiv thaiv kab mob dev vwm. Xaiv qhov kev txiav tawm uas ua haujlwm rau koj, xws li $ 100, $ 250, lossis $ 500, thiab cov nqi them rov qab ntawm 70%, 80%, lossis 90%. Koj tuaj yeem kho koj cov nyiaj them txhua xyoo, xws li $ 5, 000, $ 10, 000, $ 20, 000, $ 50, 000, lossis $ 100, 000.
Spay/neuter cov kev pab cuam yog them rau cov tsiaj uas muaj hnub nyoog qis dua 2 xyoos, thiab lawv muab ib pob menyuam miv/tus menyuam dev tsim rau cov menyuam yaus uas npog cov tshuaj tiv thaiv, microchipping, thiab kho flea/zuam. Lawv tsis muaj 24/7 txoj kev noj qab haus huv, thiab lawv tsis them cov txheej txheem kho hniav. Lawv muaj 5% luv nqi rau ntau tus tsiaj, 5% luv nqi txhua xyoo, thiab 10% luv nqi rau bundling koj tus neeg xauj tsev thiab tus tswv tsev cov cai nrog koj txoj cai tsiaj.
Lemonade lub sijhawm luv luv 2-hnub tos rau kev sib tsoo thiab 14-hnub tos sijhawm rau kev mob ua rau lawv muaj kev sib tw hauv khw. Lawv muaj 6 lub hlis tos rau kev kho mob ligament cruciate. Tsis muaj cov xwm txheej ua ntej raug them, uas yog tus qauv hauv kev lag luam pov hwm tsiaj.
Pros
- Affordable
- Cov kev pab zoo nrog kev xaiv kev noj qab haus huv
- Customizable
- 2-hnub tos txog kev sib tsoo
- Kitten/puppy package
Cons
- No 24/7 kab noj qab haus huv
- No pre-existing coverage
- Cov txheej txheem kho hniav tsis them
2. Pumpkin Pet Insurance - Tus nqi zoo tshaj
Pumpkin muab kev pab them nqi kho mob rau txhua yam kev mob lossis kev sib tsoo, suav nrog hip dysplasia, tshuaj noj, phais mob, pw hauv tsev kho mob, thiab ntau dua. Lawv kuj tseem them cov kev mob tshwm sim, teeb meem kho hniav, lwm txoj kev kho mob (acupuncture), thiab cov nqi kuaj mob vet yam tsis tau ntxiv kev pab them nqi ntxiv. Kev them nyiaj rov qab 90% yog muab rau txhua tus neeg siv khoom, thiab koj tau txais 10 $ luv nqi rau kev tso npe rau ntau tus tsiaj.
Rau kev saib xyuas kev tiv thaiv, lawv muab pob Kev Tiv Thaiv Qhov Tseem Ceeb uas thim rov qab 100% ntawm kev kuaj xyuas kev noj qab haus huv txhua xyoo, tshuaj tiv thaiv, thiab kuaj kab mob parasite. Koj tuaj yeem kho koj cov nyiaj txiav tawm txij li $ 100, $ 250, thiab $ 500, thiab them nyiaj txhua xyoo txij li $ 10, 000, $ 20, 000, lossis tsis txwv.
Pumpkin muaj 14-hnub tos rau kev sib tsoo, uas ntev dua nws cov neeg sib tw, thiab lawv tsis muaj kev pabcuam rau cov neeg siv khoom hnub so. Koj tau txais 10% luv nqi rau kev tso npe rau ntau tus tsiaj, thiab Pumpkin yog ib qho kev pov hwm tsiaj uas pheej yig dua nrog kev pab them nqi zoo.
Pros
- Kev Tiv Thaiv Qhov Tseem Ceeb Pob
- Cov kev pab zoo heev
- 10% txo rau ntau tus tsiaj
- Cov npog ntau yam tsis ntxiv cov kev pabcuam tiv thaiv
Cons
- 14-hnub tos lub sijhawm rau xwm txheej
- No weekend customer service
3. Trupanion Pet Insurance
Trupanion kev tuav pov hwm tus tsiaj muaj 90% cov nyiaj them rov qab thiab kev them nyiaj ib xyoos tsis txwv. Koj tuaj yeem yuav qhov Kev Pabcuam Rov Qab thiab Kev Pabcuam Ntxiv ntxiv rau koj txoj cai uas twb muaj lawm uas suav nrog acupuncture, kev coj cwj pwm, chiropractic, kho dua tshiab, hydrotherapy, thiab naturopathy.
Trupanion them koj tus tsiaj ncaj qha, thiab koj yuav muaj kev pab them nqi kho mob rau koj tus tsiaj, tsis hais hnub nyoog lossis yug me nyuam. Koj cov nqi yuav tsis nce ntxiv nrog cov ntawv thov, thiab lawv muab ib txoj kev npaj yooj yim uas yooj yim to taub.
Trupanion muaj kev txiav tawm mus tas li uas tuaj yeem them tau ib zaug lossis muab hlais dhau sijhawm; 90% kev them rov qab tus nqi pib tom qab ntsib lub neej txiav tawm. Hauv lwm lo lus, koj tsuas yog them tus nqi txiav tawm ib zaug rau ib qho xwm txheej. Qhov teeb meem yog tias lawv tsis them cov nqi kho mob niaj hnub, thiab lawv tsis them cov nqi kuaj mob rau kev raug mob thiab kev sib tsoo.
Cov neeg siv khoom muaj 24/7, tab sis lawv muaj 5-hnub tos rau kev raug mob thiab 30-hnub tos rau cov mob. Lawv kuj tsis muaj luv nqi rau ntau tus tsiaj cuv npe.
Pros
- Lub neej txiav tawm
- 90% cov nqi them rov qab
- Tsis muaj nyiaj them txhua xyoo
- 24/7 kev pabcuam neeg siv khoom
- Kev rov qab thiab ntxiv pob khoom ntxiv
Cons
- Tsis muaj nqi saib xyuas txhua hnub
- 5-hnub tos rau kev sib tsoo
- 30-hnub tos kev mob
- Tsis muaj nyiaj txo ntau tus tsiaj
- Cov nqi xeem rau kev sib tsoo thiab mob tsis them
4. Spot Pet Insurance
Spot Pet Insurance yog qhov tshwj xeeb hauv qhov uas lawv muab cov phiaj xwm xwm txheej nkaus xwb, uas tuaj yeem txuag koj cov nyiaj ntawm koj cov nyiaj them txhua hli. Kev poob qis yog muaj 14-hnub tos lub sijhawm rau kev sib tsoo. Rau cov uas xav tau kev pab ntau dua, lawv muab cov phiaj xwm xwm txheej thiab kev mob nkeeg uas suav nrog mob qog noj ntshav, kab mob hniav, ntshav qab zib, thiab lwm yam. Rau qhov kev pab cuam txuas ntxiv, lawv muab ob pob kev kho mob rau tus nqi ntxiv rau ib hlis. Spot's Gold pob yuav khiav koj ntxiv $ 9.95 ib hlis twg, thiab cov pob hwm yuav khiav $ 24.95 ib hlis. Cov nqi xeem tsis them los ntawm cov phiaj xwm xwm txheej thiab kev mob nkeeg, tab sis lawv yuav them tus nqi no thaum koj yuav cov pob khoom noj qab haus huv.
Spot muaj cov kev txiav tawm tuaj yeem hloov tau, txwv txhua xyoo, thiab cov nqi them rov qab, nrog rau kev xaiv tsis txwv rau kev them nyiaj txhua xyoo. Spot sawv tawm nrog nws lub sijhawm 14-hnub tos rau lub cev ligament, thiab kev pabcuam hip dysplasia, uas tsis tau hnov txog hauv kev lag luam pov hwm tsiaj. Lawv kuj tseem them rau cov xwm txheej ua ntej tom qab 6 lub hlis, tab sis koj tus tsiaj yuav tsum tsis muaj tsos mob thiab kho tus mob ua ntej yuav raug them, tab sis nws yog qhov zoo tshaj plaws perk.
Cov neeg siv khoom hais tias nws yuav siv sij hawm ib ntus rau kev thov kom ua tiav, thiab nws tuaj yeem siv qhov twg los ntawm 10-14 hnub. Spot kuj tau them tus nqi them $2 txhua hli tab sis muab 10% luv nqi rau ntau tus tsiaj.
Pros
- Kev npaj kev sib tsoo nkaus xwb
- Ob txoj kev tiv thaiv kev saib xyuas
- Kev pab them nqi kho mob tsis tu ncua
- 14-hnub tos lub sijhawm rau lub plab dysplasia thiab cruciate ligament
- Customizable
Cons
- 14-hnub tos lub sijhawm rau xwm txheej
- Slow claims processing
- $2 ib hlis twg tus nqi pauv nyiaj
5. Fetch Pet Insurance
Kev tuav pov hwm tus tsiaj tsis muaj nqi rau npe, uas yog qhov ntxiv. Lawv kuj ua tej yam yooj yim nrog rau ib txoj kev npaj uas them rau cov txheej txheem nyuaj, xws li kev yug me nyuam, kab mob ntawm cov hniav, raug mob, kev saib xyuas tag nrho, thiab kev mus ntsib mob uas them nqi kuaj mob. Lawv tsis muab ib pob khoom noj qab haus huv tab sis them cov nqi caij tsheb, kev so so, thiab kev tshaj tawm tsiaj ploj.
Koj muaj kev xaiv los kho cov kev txiav tawm, cov nyiaj them txhua xyoo, thiab cov nqi them rov qab, uas yuav hloov koj cov nqi txhua hli. Tsis muaj hnub nyoog txwv rau kev tso npe kawm, thiab kev pab them nqi tsis txo qis nrog koj tus tsiaj laus.
Muaj sijhawm 15-hnub tos rau kev sib tsoo thiab mob thiab 6-hli tos lub sijhawm rau hip dysplasia thiab cruciate ligament coverage. Txawm li cas los xij, lub sijhawm tos 6 lub hlis tuaj yeem zam tsis pub dhau 30 hnub ntawm koj txoj cai yog tias muaj pov thawj tias tus mob tsis yog mob tshiab. Lawv kuj tsis muaj kab mob 24/7.
Pros
- Cov nqi xeem them
- Muaj ib txoj kev npaj yooj yim
- Customizable
- Cov kab mob tshwj xeeb
- No age limits
Cons
- No 24/7 kab noj qab haus huv
- 15-hnub tos lub sijhawm rau xwm txheej thiab mob
- No tiv thaiv kev pab them nqi
6. Metlife Pet Insurance
Metlife muab cov phiaj xwm kho kom haum rau koj cov peev nyiaj. Kev pov hwm tus tsiaj no suav nrog ntau yam kev sib tsoo thiab kev tiv thaiv kev mob nkeeg, xws li cov nqi kuaj mob, kuaj mob, phais, tsev kho mob, tshuaj noj, thiab lwm yam. Lawv kuj muab ntau yam kev txo nqi, xws li 10% tawm rau cov tub rog, cov qub tub rog, cov neeg teb thawj zaug, thiab cov neeg ua haujlwm kho mob. Cov neeg ua haujlwm kho tsiaj thiab cov neeg ua haujlwm hauv vaj tse kuj tau txais 10% luv nqi.
Ib qho tshwj xeeb yog tias lawv muaj kev tu siab tom qab kev tuag ntawm tus tsiaj hlub, thiab lawv tsis muaj sijhawm tos rau kev sib tsoo; txoj cai yuav pib siv tom qab ib tag hmo hnub koj sau npe. Koj tseem tuaj yeem yuav txoj cai tswj kev noj qab haus huv los them rau cov kev kuaj mob niaj hnub thiab tshuaj tiv thaiv. Lwm qhov tshwj xeeb yog lawv tso cai rau koj los npog ntau tus tsiaj raws li ib txoj cai es tsis txhob muab cov nyiaj cheb rau npe rau ntau tus tsiaj.
Metlife tsis muab kev them nyiaj ncaj qha rau koj tus kws kho tsiaj, tab sis cov ntawv thov raug ua tiav hauv kwv yees li 10 hnub. Koj tsis tas yuav xa koj cov tsiaj cov ntaub ntawv kho mob ua ntej tso npe, thiab tsis muaj hnub nyoog txwv. Qhov tsis zoo yog koj them koj cov nqi them txhua hli tshwj xeeb nrog kev them nyiaj autopay nrog koj lub txhab nyiaj lossis daim npav rho nyiaj.
Pros
- Customizable options
- Cov tsiaj ntau yam raws li ib txoj cai
- Various discounts
- No tos lub sij hawm rau xwm txheej
- Thov kev tu siab
Cons
- No direct pay to vet
- Autopay yog tib txoj kev xaiv rau kev them nyiaj txhua hli
7. He althy Paws Pet Insurance
He althy Paws muaj kev pab them nqi rau dev thiab miv uas muaj xwm txheej, mob, mob cancer, tej yam mob tshwj xeeb, caj ces, mob caj ces, kev kho mob xwm txheej ceev, thiab lwm txoj kev kho mob. Lawv tsis muaj kev tiv thaiv lossis kev saib xyuas tus cwj pwm, thiab lawv tsis muaj kev xaiv ntxiv.
Nyob rau hauv luv luv, He althy Paws yog ib qho kev xaiv zoo heev rau cov neeg saib xyuas nruj rau kev sib tsoo thiab kev pab them nqi kho mob. Txoj kev npaj no yooj yim to taub, thiab koj tuaj yeem kho koj tus nqi txiav tawm thiab them rov qab.
Lawv muaj lub chaw pabcuam zoo rau cov neeg siv khoom, thiab cov lus thov raug ua tiav hauv 2-hnub, uas yog ib qho ceev tshaj plaws hauv kev lag luam. Noj qab nyob zoo Paws kuj them nyiaj rau koj vet ncaj qha, thiab ua ntaub ntawv thov yog yooj yim nrog lub mobile app.
Ib qho kev poob qis yog lawv muaj 12 lub hlis tos rau hip dysplasia, qhov kev pov hwm tsiaj feem ntau muaj 6 lub hlis tos. Txawm li cas los xij, lawv tau ntxiv cov yam ntxwv xws li euthanasia kev pab them nqi, thiab lawv pub dawb rau cov koom haum tsis muaj txiaj ntsig nrog txhua qhov kev yuav khoom.
Pros
- Txoj kev sib tsoo thiab kev mob nkeeg zoo heev
- Ib txoj kev nkag siab yooj yim
- Customizable
- Pay vet ncaj qha
- 2-hnub kev thov kev thov
Cons
12-hli tos lub sijhawm rau hip dysplasia
8. Figo Pet Insurance
Figo yog ib lub tuam txhab pov hwm tsiaj sib tw uas muaj 100% tus nqi them rov qab, uas koj tsis tshua pom hauv ntiaj teb kev pov hwm tsiaj (feem ntau yog customizable los ntawm 70%, 80%, thiab 90%). Lawv kuj muaj lub sijhawm tos luv luv ntawm 1 hnub rau kev sib tsoo, uas kuj tsis tshua muaj. Muaj 14-hnub tos rau cov mob thiab tus qauv 6-hli tos lub sijhawm rau hip dysplasia.
Figo npog cov duab, kuaj mob, tshuaj, kho mob qog noj ntshav, phais, pw hauv tsev kho mob, kev pabcuam xwm txheej ceev, kev coj tus cwj pwm thiab lub cev xeeb tub, thiab euthanasia. Tsis muaj hnub nyoog txwv rau kev tso npe kawm, thiab lawv muab 5% luv nqi rau ntau tus tsiaj. Figo tseem tsis muaj lub kaus mom tshwm sim, thiab koj tuaj yeem tham nrog vet nyob 24-7 ntawm lawv tus kws kho tsiaj.
Koj tuaj yeem yuav lawv "cov khoom siv hluav taws xob" rau kev noj qab haus huv uas suav nrog kev txhaj tshuaj txhua xyoo, spay / neuter, tiv thaiv kab mob plawv, tshuaj ntxuav hniav, deworming, thiab ntau ntxiv rau tus nqi ntxiv txhua hli. Koj tuaj yeem xaiv ntawm qhov yooj yim zog-up thiab ntxiv zog-up. Koj tseem tuaj yeem ntxiv cov txiaj ntsig uas them rau cov nqi kuaj mob rau kev sib tsoo thiab mob rau tus nqi me me hauv ib hlis.
Thaum kawg, lawv muab ib qho Kev Kho Mob Ntxiv uas suav nrog kev faus neeg, kev faus neeg, nqi caij tsheb, kev tshaj tawm tsiaj ploj thiab khoom plig, tub sab nyiag tsiaj lossis tsiaj ploj mus txog $150, kev so so vim tus tsiaj muaj mob lossis kev sib tsoo, thiab thib peb- tog vaj tse puas lav txog $10,000 ib txoj cai.
Figo tsub tus nqi them $2 toj ib hlis tshwj tsis yog koj them txhua xyoo thiab tus nqi $15 ib zaug thaum koj tso npe. Kev thov ua tiav sai, nrog lub sijhawm ua haujlwm 3 hnub.
Pros
- 100% cov nyiaj them rov qab
- 1-hnub tos txog kev sib tsoo
- No per-incident caps
- No age limits
- Kev xaiv ntxiv kev pab them nqi kho mob/hwj chim-ups
Cons
- 12-hli tos lub sijhawm rau hip dysplasia
- $15 sau npe kom tsis txhob muaj tus nqi pauv $2 txhua hli
9. Embrace Pet Insurance
Embrace yog lwm daim ntawv pov hwm tsiaj uas muaj ntau yam kev xaiv tab sis yog tus nqi qis dua li nws cov neeg sib tw. Kev them nyiaj txhua xyoo yog $ 5, 000, $ 8, 000, $ 10, 000, $ 15, 000, thiab $ 30, 000, thiab cov kev xaiv txiav tawm yog $ 200, $ 300, $ 500, $ 750, thiab $ 1, 000. Koj tuaj yeem xaiv koj cov nqi them rov qab los ntawm 70%, 80%, thiab 90%.
Rau cov neeg nrhiav kev noj qab haus huv, koj muaj kev xaiv los siv lawv Cov Khoom Plig Zoo rau tus nqi ntxiv txhua hli. Cov cuab yeej siv nyiaj no tuaj yeem siv los them cov kev pabcuam suav nrog spay / neuter, txhaj tshuaj tiv thaiv, kho hniav, nqi kuaj kev noj qab haus huv, thiab ntau dua.
Ib yam tshwj xeeb ntawm Embrace yog tias koj qhov kev txiav tawm mus txog $ 50 txhua xyoo koj tsis ua ntawv thov. Piv txwv li, yog tias koj xaiv qhov $ 300 txiav tawm, koj qhov kev txiav tawm txiav tawm mus rau $ 250 rau xyoo tom ntej yog tias koj tsis ua daim ntawv thov xyoo dhau los. Lawv kuj muab 5% luv nqi rau tub rog thiab qub tub rog thiab 10% luv nqi rau ntau tus tsiaj.
Lawv muaj hnub nyoog 14 xyoos txwv rau kev tso npe nkag rau hauv qhov xwm txheej thiab cov phiaj xwm mob, tab sis lawv tsis txo qhov kev pab them nqi raws li koj tus tsiaj muaj hnub nyoog. Txawm li cas los xij, yog tias koj muaj ib tus tsiaj laus uas muaj hnub nyoog 15 xyoos lossis ntau dua, koj tuaj yeem yuav txoj cai tswjfwm kev sib tsoo nkaus xwb kom muaj qee yam kev pabcuam.
Pros
- Ntau yam kev xaiv kho tau
- Txoj Kev Noj Qab Nyob Zoo
- 5% txo rau tub rog thiab qub tub rog
- 10% txo rau ntau tus tsiaj
- Kev mob tshwm sim nkaus xwb rau cov tsiaj laus 15 xyoos thiab laus dua
Cons
- 14-xyoo-laus txwv
- Kim
10. ASPCA Pet Insurance
Lub Koom Haum American rau Kev Tiv Thaiv Kev Ua Phem Rau Tsiaj (ASPCA) yog lub koom haum tsis muaj txiaj ntsig uas muaj kev pov hwm tsiaj rau dev, miv, thiab txawm nees. Lawv muab Daim Ntawv Pov Thawj Ua tiav uas them cov nqi kuaj mob thiab kev mob nkeeg yam tsis tas yuav ntxiv kev pab them nqi kho mob ntxiv rau qhov kev xaiv no. Txawm li cas los xij, rau kev kuaj xyuas kev noj qab haus huv txhua xyoo thiab tshuaj tiv thaiv, koj yuav tsum tau yuav cov phiaj xwm kev noj qab haus huv, uas raug nqi ntxiv $ 9.95 ib hlis, lossis tus thawj, uas raug nqi ntxiv $ 24.95 ib hlis. Koj muaj ntau txoj kev xaiv rau kev txiav tawm, cov nyiaj them txhua xyoo, thiab cov nqi them rov qab, thiab koj tuaj yeem xaiv qhov kev them nqi pheej yig nkaus xwb.
Txoj Kev Pabcuam Ua tiav suav nrog kev raug xwm txheej, kev kuaj mob, kev mob nkeeg, kev coj tus cwj pwm, kev mob tshwm sim, kev yug me nyuam, thiab kab mob hniav. Lub mobile app yog ib qho yooj yim rau xa daim ntawv thov, thiab lawv yuav xa ncaj qha mus rau koj lub txhab nyiaj kom them rov qab. Qhov tsis zoo yog nws tuaj yeem siv qhov twg los ntawm 15-30 hnub rau kev ua cov ntaub ntawv thov. Ib qho ntxiv yog tsis muaj hnub nyoog txwv, thiab lawv muab 10% ntau tus tsiaj luv nqi.
ASPCA yog tus nqi me ntsis, thiab lawv muaj $10,000 them nyiaj txhua xyoo. Lwm qhov kev poob qis yog lawv tsis them cov kab mob caj dab lossis lub hauv caug yog tias muaj keeb kwm ntawm cov xwm txheej no, txawm hais tias nws tau raug kho rau qee lub sijhawm, vim tias cov tuam txhab pov hwm tsiaj feem ntau yuav them cov mob no tom qab lub sijhawm tos. Rau cov tswv tsiaj nrog cov dev yug me nyuam rau cov xwm txheej no, nrhiav lwm qhov kev pab cuam yuav tau txais txiaj ntsig.
Pros
- Cover rau nees
- Kev xaiv noj qab haus huv muaj
- 10% txo nqi ntau tus tsiaj
- Customizable
- Easy-rau-siv mobile app
Cons
- Picky cruciate ligament and lub hauv caug coverage
- Slow claims processing
- Kim
Tus Neeg Yuav Khoom Qhia: Yuav Ua Li Cas Xaiv Qhov Kev Pov Hwm Tus Tsiaj Zoo Tshaj Plaws hauv Massachusetts
Yuav Ua Li Cas Rau Kev Pov Hwm Tsiaj Hauv Massachusetts
Raws li koj tuaj yeem pom, txhua lub tuam txhab pov hwm tsiaj muaj lawv tus kheej cov cai thiab cov cai. Qee qhov yooj yim to taub, thaum lwm tus cia koj khawb koj lub taub hau. Hauv seem no, peb yuav hais txog cov lus nug ntxiv uas ntau tus neeg yuav tsum tau pab koj ntxiv.
Policy Coverage
Qee tus tsiaj yuav xav tau kev pab ntau dua li lwm tus, thiab nws yuav nyob ntawm koj los txiav txim seb koj xav tau kev pab npaum li cas. Rau cov menyuam yaus, tej zaum koj yuav xav tau txoj cai xwm txheej xwm txheej thiab mob nkaus xwb, lossis tej zaum txawm tias muaj xwm txheej nkaus xwb. Txoj cai xwm txheej nkaus xwb tsuas yog hais txog qhov ntawd xwb – xwm txheej. Txoj cai xwm txheej thiab kev mob nkeeg npog ntau yam teeb meem, xws li mob qog noj ntshav, ntshav qab zib, kab mob plawv, thiab lwm yam mob. Cov kev cai no feem ntau them rau kev kuaj mob thiab lwm yam kev kuaj pom, uas tuaj yeem txuag koj ntau pua nyiaj nrog kev pab them nqi kho tsiaj.
Kev noj qab haus huv lossis kev tiv thaiv kev saib xyuas feem ntau yog ib qho kev xaiv ntxiv uas yuav them rau cov tshuaj tiv thaiv, tshuaj tua kab mob plawv, thiab ntshav ua haujlwm. Txawm li ntawd los, feem ntau tsis them tus nqi xeem, tab sis qee qhov muaj kev xaiv ntxiv rau koj txoj cai rau me ntsis ntxiv.
Ib yam uas yuav tsum nco ntsoov yog koj xav tau txoj cai uas yuav them rau kev sib tsoo lossis mob. Kev saib xyuas niaj hnub yog ib yam uas koj yuav tsum tau ua txhua xyoo, thiab yog tias koj tuaj yeem siv nyiaj rau qhov ntawd ua ntej, tsis tas yuav muaj qhov kev pab cuam hauv tsab cai. Hauv luv luv, nws yog nyob ntawm koj los txiav txim siab npaum li cas koj xav tau lossis xav tau.
Kev Pabcuam & Lub Npe
Ib qho kev paub tsis zoo nrog txhua lub chaw pabcuam cov neeg siv khoom tuaj yeem ua rau koj lub qhov ncauj tsis zoo, ua rau koj ntxhov siab thiab tsis zoo siab rau lub tuam txhab. Ib txoj hauv kev zoo los xyuas lub tuam txhab lub chaw pabcuam cov neeg siv khoom yog nyeem cov neeg siv khoom tshuaj xyuas.
Lwm yam tseem ceeb uas yuav tsum tau tshawb nrhiav yog tias lub tuam txhab muaj 24/7-cov neeg siv khoom pabcuam. Qee tus tsis muab cov kev pabcuam no rau hnub so, thiab yog tias qhov ntawd tseem ceeb rau koj, xyuas kom meej tias txhua lub tuam txhab koj tab tom nrhiav rau muab cov yam ntxwv no.
Thov them rov qab
Qee lub tuam txhab pov hwm tsiaj yuav them koj tus tsiaj ncaj qha, thaum lwm tus yuav them rov qab rau koj tom qab muab cov kev pabcuam. Hauv lwm lo lus, tej zaum koj yuav tau them tag nrho cov nqi vet ua ntej tau txais nyiaj rov qab, thiab qee cov txheej txheem thov sai dua lwm tus. Thaum nrhiav ib lub tuam txhab, tshawb xyuas lawv cov sijhawm ua haujlwm, vim qee qhov yuav siv sijhawm tsawg li 2 hnub, thaum lwm tus yuav siv sijhawm li ob lub lis piam.
Ib lub tuam txhab lub chaw pabcuam cov neeg siv khoom ua lub luag haujlwm hauv cov txheej txheem no kom pab tau lawv npaum li cas thaum koj nug txog kev thov. Tshawb xyuas lub tuam txhab lub koob npe nrov ntawm qhov teeb meem no kom paub tseeb tias lawv muaj txiaj ntsig, paub, thiab txaus siab pab koj yog tias muaj teeb meem tshwm sim nrog kev thov.
Price of Policy
Tus nqi ntawm txoj cai pov hwm tsiaj txawv raws li koj qhov chaw nyob. Hauv Massachusetts, tus nqi nruab nrab rau txoj cai dog dig (kev sib tsoo thiab mob) yog nyob nruab nrab ntawm $ 30 txog $ 60 toj ib hlis, thiab rau tus miv, koj tuaj yeem cia siab tias yuav them $ 15 txog $ 30 toj ib hlis. Tus nqi no tuaj yeem hloov pauv nyob ntawm hom txoj cai thiab cov khoom ntxiv uas koj yuav.
Qee lub tuam txhab pov hwm tsiaj tso cai rau koj them koj cov nqi them txhua hli lossis ib xyoos. Nws tsis yog ib qho uas yuav tau txais qhov luv nqi yog tias koj them txhua xyoo, tab sis qee tus neeg tsis tuaj yeem them ib qho loj. Yog tias nws haum koj cov peev nyiaj thiab lub tuam txhab muab cov yam ntxwv ntawd, nws yuav pab tau koj cov peev nyiaj.
Plan Customization
Plan customization yuav hloov koj cov nqi them txhua hli. Piv txwv li, koj tuaj yeem kho koj cov kev txiav tawm, cov nqi them rov qab, thiab cov nyiaj them txhua xyoo, uas yog ntau npaum li cas lub tuam txhab yuav them txhua xyoo rau ib qho xwm txheej. Qee qhov kev txwv tsis pub muaj lub kaus mom, tab sis qhov kev xaiv no feem ntau ua rau tus nqi them txhua hli siab dua.
Raws li kev txiav tawm, qhov ntawd yog tus nqi koj them ua ntej kev tuav pov hwm pib. Piv txwv li, yog tias koj xaiv $ 250, thiab koj muaj daim nqi vet ntawm $ 1, 500, koj yuav tsum tau ua raws li $ 250 txiav tawm ua ntej. kev tuav pov hwm them, ua rau koj them rov qab $ 1,250. Nco ntsoov tias qhov tsawg dua qhov txiav tawm, koj tus nqi them siab dua, thiab qhov txiav tawm siab dua, tus nqi qis dua.
FAQ
Kuv Puas Tau Txais Kev Pov Hwm Tsiaj Sab Nraud Teb Chaws Asmeskas?
Qee lub tuam txhab pov hwm tsiaj yuav them rau sab nraum Teb Chaws Asmeskas, thaum lwm tus yog nruj me ntsis rau kev siv hauv lub xeev. Txawm li cas los xij, qee qhov kev pabcuam hauv Canada, Puerto Rico, thiab lwm qhov chaw. Xyuas kom koj nkag siab txog koj txoj cai qhov chaw nyob, tshwj xeeb tshaj yog tias koj mus nrog koj tus tsiaj.
Yuav ua li cas yog tias kuv lub tuam txhab pov hwm tsis tau teev npe hauv koj cov kev tshuaj xyuas?
Kab lus no yog tsim los muab cov ntaub ntawv tseem ceeb rau koj los pab koj txiav txim siab yuav khoom. Cov tuam txhab hauv peb daim ntawv teev npe yog raws li kev tshuaj xyuas cov neeg siv khoom, tab sis cov tuam txhab teev npe tsis yog tib qho kev xaiv uas koj muaj. Tam sim no koj paub tias yuav nrhiav dab tsi, koj tuaj yeem tshawb xyuas txhua lub tuam txhab pov hwm tsiaj uas muaj kev pab them nqi hauv Massachusetts.
Tus kws kho tsiaj twg muaj kev tshuaj xyuas cov neeg siv khoom zoo tshaj?
Lemonade nyob qib siab hauv nws lub chaw pabcuam neeg siv khoom. Lawv kuj muaj lub sijhawm tos luv luv ntawm 2 hnub rau kev sib tsoo. Cov neeg siv khoom feem ntau txaus siab rau tus nqi ntawm cov cai thiab cov kev xaiv kho tau.
Dab tsi yog qhov zoo tshaj thiab pheej yig tshaj tsiaj pov hwm?
Lemonade qib siab ntawm kev them taus, thiab Pumpkin npog ntau yam tsis tas yuav ntxiv ntau txoj kev xaiv rau kev pab them nqi. Tus nqi yuav hloov pauv nyob ntawm ntau yam, xws li koj tus tsiaj lub hnub nyoog. Kev pab them nqi rau cov tsiaj laus yog kim dua, thiab koj yuav xav tau kev pab them nqi thaum koj tus tsiaj tseem yau kom tsis txhob raug nqi siab rau txoj cai.
Cov neeg siv hais dab tsi
Lemonade cov neeg muas zaub rave txog kev pab ntawm cov neeg siv khoom pabcuam thiab tus nqi ntawm cov cai. Qee qhov kev tshuaj xyuas tsis zoo tau tshwm sim ib yam nkaus, vim qee qhov yws tias muaj teeb meem hloov kho lawv cov cai. Lwm qhov kev tshuaj xyuas peb tau pom muaj kev txhawj xeeb txog cov xwm txheej uas twb muaj lawm, vim qee qhov thov tias qhov xwm txheej tau txiav txim siab ua ntej thaum lawv xav tias nws yuav tsum tsis yog. Hais txog qhov uas muaj nyob ua ntej, xyuas kom koj nkag siab txhua yam kev tuav pov hwm tus tsiaj txoj cai muaj ua ntej. Koj tuaj yeem nyeem cov tshuaj xyuas ntawm no.
Tus Muab Kev Pov Hwm Tus Tsiaj twg yog qhov zoo tshaj rau koj?
Thaum kawg, koj paub koj tus tsiaj zoo tshaj plaws, thiab tsuas yog koj tuaj yeem txiav txim siab seb tus kws kho mob twg zoo tshaj rau koj thiab koj tus tsiaj. Xyuas kom koj nkag siab tias hom kev cai twg lub tuam txhab muab, thiab xyuas kom lub tuam txhab npog txhua yam uas koj yuav txhawj txog.
Conclusion
Kev tuav pov hwm tus tsiaj tuaj yeem txuag koj ntau txhiab nyiaj hauv vet. Txawm li cas los xij, nws yog ib qho tseem ceeb kom paub meej tias dab tsi yog them thiab dab tsi tsis yog. Qee lub tuam txhab muab ib txoj cai yooj yim rau kev nkag siab, thaum lwm tus muab cov add-ons nrog cov kev xaiv hloov tau rau kev txiav tawm, cov nqi them rov qab, thiab kev txwv txhua xyoo. Tshawb xyuas txhua lub tuam txhab koj tab tom xav txog, thiab tsis txhob tos kom txog thaum koj tus tsiaj muaj hnub nyoog, raws li koj yuav them ntau dua rau tus tsiaj laus.
