Kev tuav pov hwm tus tsiaj tseem muaj kev muaj koob meej ntxiv vim cov nqi kho tsiaj txuas ntxiv mus thoob plaws lub tebchaws. Yog tias koj tus tsiaj uas koj hlub poob mob lossis raug mob, cov nqi yuav ua rau muaj kev cuam tshuam nyiaj txiag loj rau tsev neeg.
Thaum cov niam txiv tsiaj txiav txim siab pib ua lag luam nyob ib puag ncig rau cov phiaj xwm kev tuav pov hwm tsiaj, nws tuaj yeem nyuaj heev. Tsis tsuas yog muaj ntau tus kws kho mob xaiv los ntawm, tab sis muaj ntau txoj kev npaj thiab kev pab them nqi kho mob, ib yam nkaus.
Ua tsaug, Texans muaj ntau txoj kev xaiv los ntawm, tab sis peb tau txiav txim siab ua kom yooj yim me ntsis. Peb tau tshawb fawb cov tuam txhab saum toj kawg nkaus thiab ua tib zoo saib seb lawv yuav tsum muaj dab tsi los coj koj daim ntawv teev npe saum toj kawg nkaus 10 qhov kev tuav pov hwm tsiaj nyob hauv Lone Star State.
The 10 Best Pet Insurance Providers in Texas
1. Wagmo - Zoo Tshaj Tag Nrho
| Plan Types: | Accident & Illness |
| Deductible: | $250, $500, los yog $1,000 |
| Txhua xyoo txwv: | Txog $20,000 |
| Reimbursement Percentage: | 90% lossis 100% |
| Nyob zoo Option: | Yes |
Wagmo tau tsim muaj nyob rau hauv 2018 thiab yog tawm ntawm New York, NY. Lub tuam txhab no tau pib paub txog kev pabcuam kev noj qab haus huv rau cov dev tab sis kuj tseem muaj cov phiaj xwm kev tuav pov hwm tsiaj ib txwm siv uas suav nrog kev raug xwm txheej thiab mob.
Lawv txoj kev npaj ua tiav suav nrog kev xwm txheej, kev mob nkeeg, kev phais mob, kev kho mob qog noj ntshav, tshuaj kho mob, thiab txawm tias euthanasia. Lawv muaj sijhawm tos 15 hnub rau kev pab them nqi tom qab tso npe rau ob qho tib si xwm txheej thiab mob. Txhua yam kev kho mob qog noj ntshav muaj sijhawm 30-hnub tos. Tsis muaj hnub nyoog siab tshaj rau kev tso npe nrog Wagmo.
Cov phiaj xwm kev noj qab haus huv tsis yog qhov kev pabcuam ntxiv tab sis cais tawm ntawm txoj cai pov hwm tsiaj thiab tuaj yeem yuav tau txhua lub sijhawm. Cov tswv tseem tuaj yeem xaiv tsuas yog muaj txoj kev npaj Tsiaj Zoo yog tias lawv nyiam. Lawv muab peb theem ntawm Tsiaj Noj Qab Haus Huv: Tus Nqi, Classic, thiab Deluxe. Lawv txhua tus muaj qhov sib txawv ntawm cov kev pab cuam thaum hais txog kev noj qab haus huv thiab kev tiv thaiv kev saib xyuas.
Wagmo muab cov nyiaj them rov qab siab feem pua thaum piv rau cov neeg sib tw feem ntau thiab muaj lub sijhawm hloov pauv sai heev rau kev thov, uas tuaj yeem tau txais los ntawm Venmo, PayPal, lossis hloov txhab nyiaj. Lawv muaj qee qhov yooj yim nrog kev txiav tawm thiab yuav them txog $ 20, 000 rau qhov kev txwv txhua xyoo. Raws li cov nqi them txhua hli mus, lawv tsis yog qhov kev xaiv kim tshaj plaws, tab sis lawv cov nqi tsim nyog heev.
Qhov tsis zoo ntawm Wagmo yog tias lawv tau txwv $ 10,000 rau ib qho xwm txheej thiab muaj kev txwv lub neej ntawm $ 100,000 tshaj koj tus tsiaj lub neej. Wagmo tsiaj tuav pov hwm yog muaj nyob rau hauv Texas tab sis tsis muaj kev pab them nqi nyob rau hauv Rhode Island, Alaska, Florida, Kentucky, Minnesota, los yog ib cheeb tsam hauv Teb Chaws Asmeskas.
Pros
- Plan flexibility
- Nyob zoo txhua hli
- Pet Wellness muag nyias
- High reimbursement percentages
- txheej txheem thov sai thiab yooj yim
Cons
- Tsis muaj nyob hauv txhua lub xeev
- Txoj kev them nyiaj txhua xyoo thiab lub neej txwv
- No coverage for rehabilitative, holistic, or other medicine
2. Lemonade - Tus nqi zoo tshaj
| Plan Types: | Accident & Illness |
| Deductible: | $100,$250,$500 |
| Txhua xyoo txwv: | Txog $100,000 |
| Reimbursement Percentage: | 70%, 80%, lossis 90% |
| Nyob zoo Option: | Yes |
Lemonade lub hom phiaj tsom rau muab kev pov hwm tus tsiaj ntawm tus nqi pheej yig tshaj. Lawv ua qhov kev xaiv zoo tshaj yog tias koj tab tom nrhiav ib tus kws kho mob uas yuav ua rau koj muaj txiaj ntsig zoo rau koj cov nyiaj. Lemonade nta lub hauv paus phiaj xwm uas npog cov xwm txheej thiab kab mob thiab muaj ntau yam kev pabcuam ntxiv.
Lemonade muaj ntau yam luv nqi rau tej yam xws li ntau yam tsiaj txoj cai lossis them tag nrho. Lawv qhov kev pab them nqi yog me ntsis txwv nrog lawv cov phiaj xwm hauv paus, uas feem ntau ua rau cov neeg siv khoom mus yuav lawv cov kev nyiam ntxiv rau qhov dav dav ntawm cov kev pabcuam them.
Tsis yog lawv muaj tus nqi sib tw xwb tab sis muaj ntau qhov hloov pauv nrog kev txiav tawm, feem pua cov nyiaj rov qab, thiab kev txwv txhua xyoo thaum tsim koj txoj kev npaj. Thaum tso npe kawm, muaj 2-hnub tos rau kev sib tsoo, 14-hnub tos rau kev mob, thiab 6-hli tos rau cov teeb meem ligament.
Ib feem ntawm Lemonade cov nyiaj tau los yog pub rau cov koom haum tsis muaj txiaj ntsig. Lawv pab Texas tab sis tsis muaj nyob hauv tag nrho 50 lub xeev. Tsis muaj kev pab cuam muaj nyob hauv Alaska, Delaware, Florida, Hawaii, Idaho, Kansas, Kentucky, Louisiana, Maine, Minnesota, South Dakota, Vermont, West Virginia, lossis Wyoming.
Pros
- Nyob pricing
- Flexibility nrog kev pab
- Quick claims process and turnaround time
- Kev noj qab haus huv add-on available
- Short wait for accidents
- Donates ib co nyiaj tau los rau cov koom haum nonprofit
Cons
- Tsis muaj nyob rau hauv tag nrho 50 lub xeev
- Ntau qhov kev pab cuam ntau dua
4. Spot
| Plan Types: | Accident & Illness, Accident-Tsuas |
| Deductible: | $100, $250, $500, $750, $1,000 |
| Txhua xyoo txwv: | Up to unlimited |
| Reimbursement Percentage: | 70%, 80%, lossis 90% |
| Nyob zoo Option: | Yes |
Spot yog lub chaw muab kev tuav pov hwm tus tsiaj zoo tshaj plaws uas muaj ob txoj kev npaj xwm txheej xwm txheej thiab kev mob nkeeg thiab kev xaiv xwm txheej nkaus xwb. Lawv pob ntawv pov hwm yooj yim tshaj plaws suav nrog cov ntawv sau tshuaj, cov txheej txheem, kev mus ntsib kws kho mob, thiab txhua yam kev kuaj mob uas xav tau.
Spot kuj muaj kev pab them nqi rau cov teeb meem kev coj tus cwj pwm, lwm txoj kev kho mob, cov vitamins, tshuaj ntxiv, thiab cov pob ntawv kho mob ntxiv. Raws li nrog rau txhua yam kev pov hwm, kev npaj tus nqi hloov pauv nyob ntawm ntau yam. Tab sis tag nrho, Spot muaj tus nqi pheej yig thaum piv rau cov neeg sib tw.
Muaj ntau qhov hloov pauv thaum hloov kho koj cov phiaj xwm, suav nrog ntau yam kev txiav tawm, mus txog qhov txwv tsis pub dhau ib xyoos, thiab peb txoj kev xaiv rau feem pua rov qab. Muaj 14-hnub tos rau ob qho tib si xwm txheej thiab mob. Hais txog kev xwm txheej, qhov ntev yog piv rau feem ntau ntawm kev sib tw.
Tsis muaj lub neej lossis ib qho xwm txheej them nyiaj txwv nrog Spot thiab cov txheej txheem thov nyiaj tau yooj yim, txawm hais tias qhov kev them rov qab yog feem ntau 10 mus rau 14 hnub tom qab xa daim ntawv thov, uas ntev dua li ob peb lwm tus neeg sib tw.
Pros
- Kev xaiv kev xwm txheej nkaus xwb
- Cov nqi xeem tau txais kev them rov qab
- Ob qho kev xaiv rau cov kev kho mob tiv thaiv
- Wide width of coverage
- No lifetime or per-cident payout limits
Cons
- Lengthy tos lub sij hawm rau xwm txheej
- Lengthy thov rov qab them rov qab
4. Fetch
| Plan Types: | Accident & Illness |
| Deductible: | $300,$500,$700 |
| Txhua xyoo txwv: | Txog $15,000 |
| Reimbursement Percentage: | 70%, 80%, lossis 90% |
| Nyob zoo Option: | No |
Fetch yog ib qho kev pov hwm tsiaj tshiab uas yog muab los ntawm The Dodo, cov tsiaj ntawv nrov tshaj plaws thiab cov npe luam tawm digital. Lawv muab txoj cai raug xwm txheej thiab mob rau dev thiab miv uas suav nrog ntau qhov kev pab cuam uas lwm lub tuam txhab tsis muaj.
Lawv qhov dav dav ntawm kev pab cuam suav nrog cov khoom ntxiv xws li kev kho hniav dav dav, cov xwm txheej tshwj xeeb, cov nqi kuaj mob, thiab kev saib xyuas holistic. Lawv kuj muaj cov txiaj ntsig ntxiv xws li cov nqi nce nqi, kev tshaj tawm tsiaj ploj, thiab kev pab them nqi rau kev so so.
Tseem kuj muaj qee qhov yooj yim nrog Fetch cov phiaj xwm, lawv muaj peb txoj kev xaiv rau ob qho tib si txiav tawm thiab them rov qab feem pua tab sis tsuas yog muaj kev txwv txhua xyoo txog li $ 15,000. Fetch tsis muaj kev xaiv rau kev noj qab haus huv ntxiv, tab sis lawv muaj ntau qhov kev xaiv luv nqi thiab lub sijhawm thov rov qab los tsawg li ob hnub.
Fetch lub sijhawm tos yog 15 hnub rau kev sib tsoo thiab mob, uas yog ntev rau kev sib tsoo. Kev them nyiaj rau cov teeb meem orthopedic yuav tsis pib txog thaum tom qab 6 lub hlis tos tiav.
Pros
- Cov kev pab them nqi uas cov neeg sib tw tsis muaj
- Flexibility nrog kev npaj nqi
- Multiple discounts available
- Qu kev thov hloov sijhawm
Cons
- Lengthy tos lub sij hawm rau xwm txheej
- Txoj kev txwv txhua xyoo rau kev pab them nqi
- Tsis muaj kev xaiv noj qab haus huv ntxiv
5. MetLife Pet Insurance
| Plan Types: | Accident & Illness |
| Deductible: | $0-$750 (hauv $50 increments), $1,000,$1,250,$1,500,$2,000, or $2,500 |
| Txhua xyoo txwv: | Txog $25,000 |
| Reimbursement Percentage: | 70%, 80%, 90%, lossis 100% |
| Nyob zoo Option: | Yes |
MetLife muaj kev huam yuaj thiab kev mob nkeeg nrog qhov dav dav ntawm kev pab them nqi kho mob, kev txiav tawm yooj yim heev, thiab tsis muaj kev txwv lub neej lossis ib qho xwm txheej rau koj tus tsiaj. Lawv muab kev pab them nqi kho mob ntxiv rau cov uas xav tau txoj kev npaj ua kom tiav.
Kev them nyiaj rau kev raug xwm txheej thiab kev noj qab haus huv pib rau hnub uas tso npe kawm, thaum muaj mob muaj tus qauv 14-hnub tos. Cov kev txiav tawm tsim nyog tau txais kev txo qis txog $ 50 txhua xyoo koj mus yam tsis muaj kev thov hauv qee lub xeev.
Tsis zoo li ntau tus neeg sib tw, MetLife muaj kev pab them nqi kho mob thiab lwm yam kev kho mob. Lawv muaj lub sijhawm thov nrawm nrawm, nrog txog li 80% ntawm cov lus thov raug them rov qab hauv 10 hnub, txawm tias qee tus neeg sib tw muaj qhov hloov pauv sai dua.
Raws li cov neeg siv khoom, cov txheej txheem xa ntawv thov tsis yog ze li yooj yim li lwm tus neeg sib tw. Koj yuav tsum rub tawm thiab sau daim foos xa rov qab tsis yog ua kom tiav sai hauv online.
Cov neeg siv khoom pabcuam muaj 24/7, 365 hnub hauv ib xyoos thaum siv qhov kev xaiv tham nyob. Koj tseem tuaj yeem ncav cuag ntawm lub vev xaib, app, lossis hauv xov tooj.
Pros
- Muaj cov luv nqi muaj
- Kev txo qis rau txhua xyoo yam tsis muaj kev thov (qee lub xeev)
- Vider wideth of coverage
- 24/7 muaj kev pabcuam neeg siv khoom
- Holistic care thiab lwm txoj kev kho mob them
- Tsis muaj sijhawm tos rau kev sib tsoo thiab kev noj qab haus huv
Cons
Tsis yog txheej txheem thov tsis sib haum
6. Pumpkin Pet Insurance
| Plan Types: | Accident & Illness |
| Deductible: | $100, $250, or $500 |
| Txhua xyoo txwv: | Up to unlimited |
| Reimbursement Percentage: | 90% |
| Nyob zoo Option: | Yes |
Pumpkin pet insurance muaj kev huam yuaj thiab kev mob nkeeg uas muaj ntau yam kev pab. Lawv suav nrog cov kev pabcuam xws li kev kho hniav, kev saib xyuas tag nrho, thiab lwm txoj kev kho mob thiab tseem muaj cov phiaj xwm Tiv Thaiv Qhov Tseem Ceeb uas yog kev xaiv kev noj qab haus huv ntxiv.
Pumpkin muaj qhov them rov qab 90% tus nqi, peb qhov kev xaiv txiav tawm, thiab muab kev hloov pauv txhua xyoo txog li tsis txwv rau ob tus dev thiab miv. Pumpkin yog me ntsis kim dua thaum piv rau kev sib tw, tab sis qhov ntawd yog vim qhov kev pab cuam dav dav thiab ntau dua li cov nyiaj rov qab feem pua ntawm ib txwm.
Kev tsim nyog rau npe nkag pib thaum muaj hnub nyoog 8 lub lis piam thiab tsis muaj hnub nyoog siab tshaj plaws. Pumpkin lub sijhawm tos yog 14 hnub rau kev sib tsoo, mob, thiab txhua yam teeb meem orthopedic. Qhov no sawv tawm ntawm lwm tus neeg muab kev pabcuam, uas feem ntau muaj 6 lub hlis tos rau kev txhawj xeeb orthopedic.
Ib tus neeg thib peb yog siv rau Pumpkin cov neeg siv khoom thiab kev thov ua tiav. Lawv tsis muaj qhov muaj nyob rau hnub so, tab sis lawv muaj kev sib tham nyob thiab cov lus teb ceev rau email. Ua ntej tshaj plaws, koj tau txais 10% luv nqi rau txhua tus tsiaj uas tau pov hwm.
Pros
- Cov kev xaiv rau kev kho hniav, holistic, thiab lwm txoj kev saib xyuas
- Kev noj qab haus huv thiab kev tiv thaiv kev kho mob ntxiv rau
- High reimbursement feem pua
- Qee qhov hloov tau nrog kev txiav tawm thiab txwv txhua xyoo
- 10% luv nqi rau txhua tus tsiaj pov hwm
Cons
- Tus nqi siab dua
- Tsis muaj kev pabcuam rau cov neeg siv khoom hnub so
7. Trupanion
| Plan Types: | Accident & Illness |
| Deductible: | $0-$1,000 |
| Txhua xyoo txwv: | Unlimited |
| Reimbursement Percentage: | 90% |
| Nyob zoo Option: | No |
Trupanion yog tus muab kev tuav pov hwm tus tsiaj uas muaj nqi ntau dua li lwm tus neeg muab kev pabcuam tab sis ua haujlwm sib txawv. Lawv muab ib qho xwm txheej txiav tawm uas koj tuaj yeem kho qhov twg los ntawm $ 0 txog $ 1, 000. Thaum koj tau mus txog qhov kev txiav tawm, koj tus tsiaj cov kev kho mob rau tus mob no tau them rau lub neej.
Trupanion tsis muaj qhov hloov pauv ntawm lwm tus neeg muab kev pabcuam nrog kev them nyiaj rov qab 90% thiab txwv tsis pub muaj kev txwv tsis pub dhau ib xyoos thiab rau lub neej. Trupanion tsis muaj kev pab them nqi kuaj mob, se, lossis kev tiv thaiv kev kho mob tab sis lawv yuav them ntau cov kev pabcuam uas lwm tus tsis ua.
Trupanion yuav them rov qab rau kev saib xyuas ntsig txog xwm txheej, kev mob nkeeg, tshuaj noj, tshuaj ntsuam xyuas, kev mob hauv lub cev los yog keeb kwm yav dhau, kev kho hniav, kab mob hniav, thiab lwm yam. Lawv cov neeg siv khoom muaj kev pabcuam 24 teev hauv ib hnub, uas yooj yim heev rau cov niam txiv tsiaj.
Muaj 5-hnub tos rau kev sib tsoo thiab tos ntev dua rau cov mob, uas yog 30 hnub txij li hnub tso npe. Lawv yog ib qho ntawm ob peb lub tuam txhab uas yuav them tus kws kho tsiaj ncaj qha, tab sis tsuas yog nrog lawv cov kws kho tsiaj koom nrog. Kev tsim nyog rau npe kawm pib thaum yug los thiab lub hnub nyoog sau npe siab tshaj plaws yog 13.9 xyoo.
Pros
- Per-incident lifetime deductible
- Comprehensive coverage
- High reimbursement feem pua
- Yuav them tus kws kho tsiaj ncaj qha
Cons
- Kim
- Nyob tos lub sij hawm muaj mob
- Tsis muaj kev hloov pauv
8. Sib pab
| Plan Types: | Accident & Illness, Accident-Tsuas |
| Deductible: | $200, $300, $500, $750, $1,000 (Tshuaj & mob) $100 (Tsuas yog xwm txheej) |
| Txhua xyoo txwv: | Txog $30,000 |
| Reimbursement Percentage: | 70%, 80%, lossis 90% (Tshwj xeeb & Mob) 90% (Tsuas yog xwm txheej) |
| Reimbursement Percentage: | Yes |
Embrace yog ib tus kws kho tsiaj muaj npe nrov uas tseem tswj hwm kev tuav pov hwm tsiaj los ntawm lwm tus neeg muab kev pabcuam xws li Geico thiab USAA. Lawv muab ob qho tib si kev raug xwm txheej thiab kev mob nkeeg thiab kev npaj kev sib tsoo nkaus xwb. Lawv kuj muaj lwm qhov kev pab cuam Wellness Rewards cais.
Txawm hais tias qhov Kev Pab Cuam Kev Noj Qab Haus Huv tau tsim los pab txuag koj cov nyiaj ntawm kev tiv thaiv kev tiv thaiv, qhov khoom plig sib npaug yuav tsis rov qab yog tias tsis siv hauv lub xyoo. Embrace muab cov kev txiav tawm yooj yim rau lawv cov phiaj xwm kev pab them nqi ntau dua tab sis tus qauv $ 100 txiav tawm rau qhov phiaj xwm xwm txheej nkaus xwb.
Muaj 90% tus nqi them rov qab thiab $ 5,000 txhua xyoo txwv rau txoj kev npaj xwm txheej nkaus xwb. Tab sis Embrace muaj peb txoj kev xaiv ntawm cov nyiaj them rov qab feem pua thiab hloov tau txhua xyoo txwv txog $ 30,000 rau kev sib tsoo thiab kev tiv thaiv kab mob.
Kev Sau npe tuaj yeem pib sai li 6 lub lis piam ntawm hnub nyoog thiab tsis muaj hnub nyoog siab tshaj plaws rau npe. Cov tsiaj uas muaj hnub nyoog tshaj 15 xyoos thaum lub sijhawm sau npe tsuas yog tsim nyog tau txais kev pab cuam nkaus xwb. Ntau yam kev pabcuam muaj nyob rau hauv txoj kev npaj ntau dua, tab sis Embrace yog pricey thaum piv rau cov neeg sib tw.
Muaj qee qhov luv nqi muaj los ntawm Embrace thiab txij li Texas muaj kev ncaj ncees ntawm cov tub rog cov tub rog, nws tau pom zoo kom txhua tus tub rog saib xyuas USAA tsiaj pov hwm, uas yog los ntawm Embrace, rau qee qhov luv nqi zoo.
Pros
- Customizable options for xwm txheej & mob
- Wide width of coverage
- Muaj cov luv nqi muaj
- Kev npaj muaj xwm txheej nkaus xwb muaj
- Txoj Kev Noj Qab Haus Huv Kev Xaiv Xaiv
Cons
- Cov khoom plig uas tsis muaj nyiaj rov qab yog tias tsis siv
- Tsis muaj kev hloov pauv rau kev sib tsoo nkaus xwb
- Pricey
9. He althy Paws
| Plan Types: | Accident & Illness |
| Deductible: | $100,$250,$500 |
| Txhua xyoo txwv: | Up to unlimited |
| Reimbursement Percentage: | 70%, 80%, lossis 90% |
| Nyob zoo Option: | No |
He althy Paws yog ib tus kws kho tsiaj uas muaj npe nrov heev uas muab kev npaj kev sib tsoo yooj yim thiab kev mob nkeeg. Lawv tsis muaj qhov hloov pauv ntawm cov neeg sib tw thiab tsis muaj kev xaiv ntxiv rau kev tiv thaiv kev saib xyuas. Lub tuam txhab muaj tus nqi qis dua thaum piv rau lwm tus, tab sis qhov kev pab them nqi tsawg dua.
Tsis muaj kev txwv txhua xyoo, tab sis cov nyiaj txiav tawm thiab cov nyiaj them rov qab feem pua muaj qee qhov yooj yim thaum kho koj txoj kev npaj. Lawv muaj 24/7 nyob tham nrog ib tug kws kho tsiaj thiab yuav them rau lwm txoj kev kho, tshuaj noj, thiab tej yam tshuaj.
Kev tsim nyog rau npe nkag pib ntawm 8 lub lis piam nrog qhov txwv hnub nyoog siab tshaj ntawm 14 xyoo. Noj qab nyob zoo Paws muaj 15-hnub tos lub sijhawm rau kev sib tsoo thiab mob, tab sis 12-hli tos rau cov teeb meem orthopedic xws li hip dysplasia. Cov tsiaj muaj hnub nyoog 6 xyoos lossis laus dua yuav tsis tsim nyog tau txais kev pabcuam hip dysplasia, yog li qhov no tsis yog qhov kev xaiv zoo tshaj plaws rau cov tsiaj nruab nrab mus rau cov laus.
Tsis muaj kev txo nqi rau cov nqi them, tab sis lawv muaj cov txheej txheem thov tsis sib haum nrog ib qho kev thov rov qab sai tshaj plaws - ob hnub. Noj qab nyob zoo Paws tuaj yeem them nyiaj ncaj qha rau tus kws kho tsiaj, uas yog qhov tsis tshua muaj ntawm cov kws kho tsiaj. Lub tuam txhab tau txais kev tshuaj xyuas zoo rau cov neeg siv khoom, uas muaj hnub Monday txog hnub Saturday.
Pros
- Affordable
- No txwv txhua xyoo
- Cov neeg siv khoom zoo heev
- Quick turnaround time for claims
- Tau muab kev them nyiaj ncaj qha rau tus kws kho tsiaj
Cons
- Tsis muaj kev xaiv noj qab haus huv ntxiv
- Tsis muaj kev hloov pauv
- Lub sijhawm tos ntev rau cov teeb meem orthopedic
- Tsis zoo rau cov tsiaj laus
10. Nationwide Pet Insurance
| Plan Types: | Accident & Illness, Accident-Tsuas |
| Deductible: | $250 |
| Txhua xyoo txwv: | Txog $10,000 (Txhua Tus Tsiaj Plan) Ib Yam Mob (Major Medical Plans) |
| Txhua xyoo txwv: | 50% lossis 70% (Txhua Tus Tsiaj Plan) |
| Nyob zoo Option: | Yes |
Tebchaws yog ib lub tuam txhab kev tuav pov hwm loj tshaj plaws hauv lub tebchaws thiab muaj ntau txoj cai, uas suav nrog cov phiaj xwm pov hwm tsiaj. Tam sim no lawv tsuas yog tus muab kev pab them nqi kho mob rau cov tsiaj uas tsis yog miv thiab dev nrog lawv cov Avian thiab Kab txawv txawv txawv.
Nationwide muaj cov phiaj xwm Tag Nrho Cov Tsiaj thiab kho cov phiaj xwm Kev Kho Mob Loj. Lawv kuj muab kev xaiv rau txoj kev npaj noj qab haus huv ntxiv rau cov neeg nrhiav kev tiv thaiv kev saib xyuas, uas muaj nyob hauv Texas tab sis yuav tsis nyob hauv txhua lub xeev.
Kev txiav tawm raug txiav tawm ntawm $ 250 yog tias yuav hauv online; Lwm txoj kev xaiv yuav muaj yog tias koj hu rau hauv. Cov kev txwv txhua xyoo thiab feem pua ntawm cov nyiaj them rov qab yuav txawv nyob ntawm seb koj xaiv txoj kev npaj twg. Qhov kev txwv txhua xyoo yog ib qho mob thiab feem pua cov nyiaj rov qab yog nyob ntawm cov txiaj ntsig tau txais txiaj ntsig rau Cov Kev Pab Kho Mob Loj.
Txhua Tus Tsiaj yog qhov kev xaiv dav tab sis kim, thiab koj tsis tuaj yeem ntxiv kev noj qab haus huv rau txoj kev npaj no. Cov phiaj xwm Kev Kho Mob Loj muaj qee qhov yooj yim nrog kev pab them nqi kho mob thiab kho kom haum thiab muaj nyiaj ntau dua tus phooj ywg. Muaj cov kev xaiv luv nqi ntawm lub rooj nrog Nationwide.
Muaj hnub nyoog tshaj 10 xyoo rau kev cuv npe tab sis yog cov tsiaj muaj npe ua ntej lawv 10th hnub yug yam tsis muaj lapses hauv kev pab them nqi, lawv yuav raug them rau lub neej. Lub hnub nyoog tsawg kawg nkaus rau npe yog 6 lub lis piam. Lub teb chaws muaj tus qauv 14-hnub tos lub sijhawm rau kev pov hwm thaum txoj cai yuav khoom. Yog cov niam txiv tsiaj xaiv rau txoj kev npaj noj qab haus huv nws yuav siv tau 24 teev tom qab tso npe kawm.
Pros
- Txoj kev xaiv kev pab them nqi kho mob
- Kev noj qab haus huv add-on available
- Muaj kev hloov pauv nrog Cov Kev Npaj Kho Mob Loj
- Kev tuav pov hwm rau ntau yam tsiaj
- Cov nyiaj txo muaj
Cons
- Cov nyiaj them poob qis qis
- Hnub nyoog txwv ntawm 10 xyoo rau kev tso npe
- Lower dua-ntau tshaj qhov nruab nrab txhua xyoo txwv
- Limited deductible flexibility
- No Wellness Plan available for Whole Pet Plan
Tus Neeg Yuav Khoom Qhia: Xaiv Tus Muab Kev Pov Hwm Tus Tsiaj Zoo Tshaj Plaws hauv Texas
Dab tsi los nrhiav hauv Pet Insurance (rau Cats, Laus Dogs, etc.)
Thaum koj tab tom mus yos hav zoov rau txoj kev npaj pov hwm tus tsiaj zoo meej, koj yuav tsum xav txog koj qhov xwm txheej tshwj xeeb thiab kev noj qab haus huv ntawm koj tus tsiaj. Peb yeej tsis tuaj yeem pom tau tias hom kev kho mob xav tau peb cov tsiaj yuav xav tau, tab sis ntawm no yog qee cov ntaub ntawv tseem ceeb ntawm qhov yuav tsum tau nrhiav hauv kev pov hwm tsiaj:
Policy Coverage
Feem ntau cov kev tuav pov hwm tus tsiaj muaj kev pab them nqi kho mob ntsig txog kev raug xwm txheej, kev raug mob, lossis mob tam sim ntawd. Qee lub tuam txhab kuj tseem tuaj yeem muab cov phiaj xwm xwm txheej nkaus xwb, uas feem ntau tsis tshua kim vim tias lawv yuav them cov nqi cuam tshuam nrog kev sib tsoo tab sis tsis muaj dab tsi yog tias koj tus tsiaj poob mob.
Cov phiaj xwm xwm txheej thiab kab mob feem ntau them rau cov hauv paus tab sis qee zaum suav nrog cov nqi kuaj mob, kev kho tus cwj pwm, kev kho lwm yam lossis kev kho mob, kev kho mob, kev yug me nyuam thiab kev xeeb tub, cov vitamins, tshuaj ntxiv, thiab cov nuj nqis zaum kawg.
Cov kev pab them nqi txawv txawv ntawm lub tuam txhab thiab cov phiaj xwm, yog li nws tseem ceeb kom nkag siab txog kev pab them nqi ua ntej yuav ib txoj cai.
Pet insurance tsis them cov hauv qab no:
- Pre-existing conditions
- Kev xaiv los yog kev phais kom zoo nkauj
- Kev xeeb tub los yog yug me nyuam
- Kev noj qab nyob zoo thiab kev tiv thaiv kev saib xyuas
- Cov nuj nqis nce toj
Kev Pabcuam & Lub Npe
Koj xav xaiv lub tuam txhab uas muaj lub koob npe nrov ntawm cov neeg siv khoom los muab kev pabcuam zoo hauv lawv lub sijhawm xav tau. Thaum koj tus tsiaj muaj mob lossis raug mob, koj yuav muaj kev ntxhov siab txaus thiab yuav tsum tsis txhob muaj kev cuam tshuam los ntawm koj tus kws kho mob.
Thov them rov qab
Cov txheej txheem thov nyiaj tag nrho thiab lub sijhawm them rov qab txawv ntawm tus kws kho mob. Qee lub tuam txhab tuaj yeem them koj tus kws kho tsiaj ncaj qha, tab sis feem ntau xav kom koj them lub tsev kho mob ua ntej thiab yuav them rov qab rau koj tom qab hnub.
Qee lub chaw muab kev pab cuam ntau seamless, streamlined thov thaum lwm tus muaj ntau yam kev xa ntawv. Qee lub tuam txhab muaj kev thov sai heev kom them rov qab 2 hnub lossis tsawg dua, thaum lwm tus tuaj yeem siv 2 lub lis piam lossis ntau dua tom qab xa daim ntawv thov.
Thaum yuav khoom pov hwm tsiaj, nco ntsoov nco ntsoov tias qhov twg yuav ua haujlwm zoo tshaj rau koj txog cov txheej txheem thov. Ua tib zoo saib seb koj tuaj yeem them rov qab li cas txawm tias nws yog los ntawm kev tso nyiaj ncaj qha, kos, lossis lwm daim ntawv rho nyiaj ntsuab.
Price of Policy
Koj yuav tsum tau txais ib lub tswv yim ntawm qhov koj yuav tsum tau them thiab koj cov peev nyiaj yog dab tsi ua ntej koj txiav txim siab. Tus nqi kawg ntawm koj txoj cai yuav nyob ntawm ntau yam sib txawv. Nov yog cov lus qhia ceev ceev ntawm dab tsi pab txiav txim siab tus nqi ntawm koj txoj cai:
Species
Feem ntau cov tuam txhab tsuas yog muab kev pab them nqi rau miv thiab dev xwb, tab sis Lub Tebchaws kuj muaj kev xaiv rau ntau yam tsiaj xws li noog thiab kab txawv. Kev pab them nqi rau dev yog kim dua rau miv, yog li koj tus nqi them nqi yuav nyob ntawm seb hom twg koj tab tom yuav txoj cai rau.
Txiv, Loj, Hnub nyoog
Qee yam purebreds thiab cov dev loj loj yuav muaj kev cuam tshuam ntau dua rau cov kab mob kev noj qab haus huv thiab cov teeb meem orthopedic, uas tuaj yeem ua rau cov nqi kho tsiaj ntau dua. Cov tsiaj laus feem ntau raug kev txom nyem los ntawm cov teeb meem kev noj qab haus huv ntau dua thiab cov tuam txhab pov hwm yuav txiav txim siab tag nrho cov no thaum los nrog koj tus kheej cov lus tsocai.
Geographical Location
Tus nqi ntawm kev nyob hauv Texas txawv thoob plaws hauv lub xeev, uas yuav cuam tshuam rau tus nqi ntawm koj txoj cai. Cov kws kho mob yuav nug koj tus lej zip thaum sau cov ntaub ntawv rau koj qhov kev tsocai.
Plan Customization
Ntau lub tuam txhab muab kev hloov pauv yooj yim thiab npaj cov kev xaiv kho kom haum, thaum lwm tus yog qhov yooj yim dua. Kev txiav tawm yooj yim, feem pua them rov qab, thiab kev txwv txhua xyoo tso cai rau cov neeg siv khoom ua si nrog lawv cov nqi them txhua hli kom nws haum lawv cov kev xav tau nyiaj txiag.
Cov kev txiav tawm ntau dua txhais tau tias cov nqi qis dua, thaum cov nyiaj them rov qab ntau dua thiab cov kev txwv txhua xyoo txhais tau tias cov nqi ntau dua. Kev noj qab haus huv add-ons yog nrov heev ntawm feem ntau cov chaw muab kev pov hwm tsiaj thiab qee qhov tseem muaj ntau theem ntawm kev noj qab haus huv.
Kittens thiab menyuam dev yog cov neeg sib tw zoo rau kev noj qab haus huv vim lawv xav tau kev kuaj mob thiab txhaj tshuaj tiv thaiv ntau zaus thaum thawj xyoo ntawm lub neej. Koj yuav tsum hnyav npaum li cas koj feem ntau siv txhua xyoo rau kev noj qab haus huv kom pom tias cov add-ons no puas tsim nyog rau tus nqi ntxiv.
FAQ
Kuv Puas Tau Txais Kev Pov Hwm Tsiaj Sab Nraud Teb Chaws Asmeskas?
Qee lub tuam txhab pov hwm tsiaj yuav them cov nqi kho tsiaj thaum mus ncig sab nraud Tebchaws Meskas yog tias kev saib xyuas tau ua los ntawm kws kho tsiaj muaj ntawv tso cai, thiab koj xa cov ntawv thov kom raug. Nco ntsoov xyuas nrog txhua tus kws kho mob txog lawv txoj cai hais txog kev mus ncig thoob ntiaj teb.
Yuav ua li cas yog tias kuv lub tuam txhab tuav pov hwm tsis tau sau npe hauv koj qhov kev tshuaj xyuas?
Tsis muaj qhov tsis txaus ntawm cov chaw muab kev pov hwm tsiaj nyob hauv xeev Texas. Yog tias koj tau pom ib lub tuam txhab uas haum rau koj cov peev nyiaj thiab tag nrho koj cov kev pab them nqi kho mob rau koj tus tsiaj, nws zoo heev! Tsuas yog vim lub tuam txhab tsis ua daim ntawv teev npe tsis tau txhais hais tias lawv tsis ua tau zoo ntawm qhov lawv ua. Lub hom phiaj ntawm no yog ua kom tau raws li qhov xav tau ntawm koj thiab koj tus tsiaj.
Tus kws kho tsiaj twg muaj kev tshuaj xyuas cov neeg siv khoom zoo tshaj?
Peb tau soj ntsuam xyuas cov tuam txhab saum toj no hais txog lawv cov neeg siv khoom tshuaj xyuas. Cov tuam txhab tshuaj xyuas ntau tshaj plaws yog Wagmo, Lemonade, thiab Spot, uas yog vim li cas lawv txhua tus tau txais qib siab ntawm cov npe.
Dab tsi yog qhov zoo tshaj thiab pheej yig tshaj tsiaj pov hwm?
Cov phiaj xwm kev tuav pov hwm tus tsiaj uas pheej yig tshaj ntawm peb cov npe yog Lemonade thiab He althy Paws. Ob lub tuam txhab no tsom ntsoov rau kev muab kev pabcuam zoo ntawm tus nqi tsim nyog. Spot kuj tso cai rau ntau qhov kev hloov kho, uas muab qee chav wiggle hauv pob nyiaj siv.
Cov neeg siv hais dab tsi
Cov neeg siv khoom muaj kev xav sib txawv ntawm kev pov hwm tsiaj. Cov uas twb tau tso tseg cov nyiaj khaws cia thaum muaj xwm txheej ceev rau lawv cov tsiaj feem ntau tsis xav tias yuav tsum tau them tus nqi them txhua hli, txiav tawm, thiab cov nuj nqis tawm hauv hnab tshos ua ntej qhov kev pab cuam pib.
Cov neeg uas tsis mus ntsib kws kho tsiaj feem ntau xav tias kev pov hwm tsiaj yog ib qho nyiaj pov tseg uas yuav siv tau zoo dua lwm qhov.
Cov uas ua tsaug rau kev tuav pov hwm tus tsiaj yog cov niam txiv tsiaj uas nkag siab txog cov nqi kho tsiaj, tshwj xeeb tshaj yog thaum muaj xwm txheej ceev thiab thaum muaj mob hnyav tshwm sim.
Qhov tseeb yog, koj xav ntau yam tsis tau xa daim ntawv thov vim nws txhais tau tias koj tus tsiaj uas koj hlub tau zoo siab thiab noj qab nyob zoo. Tab sis muaj kev ruaj ntseg net los pab daws cov teeb meem nyiaj txiag yog tias qhov kev xav tsis tau tshwm sim tuaj yeem yog qhov txawv ntawm koj them ntau txhiab daus las ua ntej lossis tsuas yog ob peb puas lossis tsawg dua.
Tus Muab Kev Pov Hwm Tus Tsiaj twg yog qhov zoo tshaj rau koj?
Vim tias cov phiaj xwm kev tuav pov hwm tus tsiaj muaj qhov sib txawv thiab cov chaw muab kev pab cuam muaj ntau theem ntawm kev pab them nqi thiab yooj yim, nrhiav tus kws kho mob zoo tshaj plaws rau koj yuav nyob ntawm koj qhov xwm txheej. Koj yuav tsum tau nqaim qis uas cov tuam txhab muab kev pab them nqi koj xav tau hauv cov nqi uas ua haujlwm rau koj.
Peb pom zoo kom nqaim koj daim ntawv teev npe raws li koj xav tau thiab tom qab ntawd tau txais cov lus qhia meej, tus kheej. Ua tsaug, online quotes los ntawm tag nrho cov saum toj no cov chaw muab kev pab sai heev thiab yooj yim kom tau.
Conclusion
Muaj ib qho chaw ruaj ntseg rau cov nqi kho tsiaj uas tsis tau xav txog thiab kim kim tuaj yeem ua rau koj lub siab yooj yim thiab pab koj tsom rau kev kho koj tus tsiaj noj qab haus huv. Muaj ntau txoj kev pov hwm tsiaj nyob hauv Texas uas npog ntau qhov kev pab cuam. Nco ntsoov tias koj pom ib txoj kev npaj uas haum rau koj cov kev xav tau thiab tau txais cov lus qhia tus kheej los ntawm txhua lub tuam txhab koj nyiam.
