Dab thiab miv tej zaum yuav muaj qhov hnov tsw zoo dua li tib neeg, tab sis lawv qhov muag tseem ceeb heev. Qhov muag kev noj qab haus huv yog ib qho kev txhawj xeeb tseem ceeb hauv peb cov tsiaj thiab ua rau lub neej zoo siab thiab noj qab nyob zoo. Cov kab mob cataracts yog ib yam mob uas tuaj yeem cuam tshuam rau koj tus tsiaj lub qhov muag kev noj qab haus huv, ua rau nws tsis pom kev thiab thaum kawg ua rau dig muag.
Yog tias koj muaj tus dev lossis miv uas muaj kab mob cataracts, txawm tias los ntawm caj ces los yog raug mob, koj yuav tsum tau caij nplooj ntoos hlav rau kev phais kom kho koj tus tsiaj lub zeem muag. Txawm hais tias nws yuav tsim nyog, qhov ntawd tsis ua rau nws yooj yim dua ntawm koj lub hnab nyiaj.
Zoo zoo, ntau lub tuam txhab pov hwm tsiaj yuav them tag nrho lossis ib nrab them rau kev phais mob cataract, tab sis nws tseem ceeb heev kom nkag siab txog cov cai ntawm txhua tus kws kho mob. Nov yog peb cov kev tshuaj xyuas rau cov tuam txhab pov hwm tsiaj zoo tshaj plaws rau kev phais mob cataract.
Lub 7 Qhov Zoo Tshaj Plaws Pov Hwm Tus Tsiaj Muab Kev Pabcuam Rau Kab Mob Ntshav Qab Zib
1. Trupanion - Qhov Zoo Tshaj Plaws
Trupanion yog ib qho kev pov hwm tsiaj zoo tshaj plaws, tshwj xeeb tshaj yog tias koj tab tom cuam tshuam nrog cataracts. Tus nqi them txhua hli rau cov dev yog nyob ib puag ncig $ 59 toj ib hlis, thaum cov miv nyob ib puag ncig $ 30 toj ib hlis, uas suav nrog cov mob hauv lub cev zoo li cataracts. Qhov tseem ceeb yog Trupanion tsuas yog them rau kev phais kab mob cataract yog tias nws yog ib qho mob uas tshwm sim los yog qhov tshwm sim, tsis yog nws tshwm sim los ntawm tus mob xws li ntshav qab zib lossis kev raug mob.
Nrog Trupanion, koj muaj kev xaiv ntxiv kev pab cuam los nthuav koj cov kev xaiv saib xyuas, tab sis tus nqi them txhua hli yuav nce ntxiv nrog rau nws. Qhov no yog qhov kev xaiv zoo los kho koj qhov kev pab them nqi rau koj cov peev nyiaj thiab koj tus tsiaj cov kev xav tau, txawm li cas los xij.
Pros
- Cov kev xaiv yooj yim dua
- Cov kev pab them nqi kho mob cataract nrog congenital mob
Cons
- Tsis muaj kev pab them nqi kho mob- lossis raug mob ntsig txog cataracts
- Add-ons yuav kim
2. Lemonade - Tus nqi zoo tshaj
Lemonade tsiaj tuav pov hwm yog lub tuam txhab pov hwm tsiaj muaj txiaj ntsig zoo thiab suav nrog ntau yam xwm txheej, suav nrog kev phais mob cataracts thiab cataract. Nrog rau kev pab them nqi ntau dua xws li Gold lossis Platinum txoj kev npaj, Lemonade yuav them ib feem ntawm tus nqi phais cataract ntawm 80% rov qab them rov qab.
Muaj ntau yam kev xaiv rau add-ons nrog Lemonade, xws li kev tiv thaiv kev kho mob, thiab koj tuaj yeem kho qhov kev pab them nqi raws li koj xav tau. Txoj cai rau tus dev lossis miv pib ntawm $ 10 ib hlis, thiab kev tiv thaiv kev saib xyuas ntxiv ntawm $ 16- $ 25 ib hlis rau dev thiab $ 10- $ 20 ib hlis rau miv. Kev tuav pov hwm Lemonade tsis muaj nyob txhua qhov chaw, txawm li cas los xij, thiab tsis them rau cov teeb meem kho hniav lossis mob hlwb.
Pros
- Tus nqi pheej yig txhua hli
- 80% them rov qab rau kev phais mob cataract
- Add-on options
Cons
- Tsis muaj nyob txhua qhov chaw
- Tsis muaj kev pab kho hniav lossis mob hlwb
3. MetLife
MetLife yog lub tuam txhab pov hwm kev ntseeg siab uas muaj kev npaj rau cov tswv tsiaj. Vim MetLife suav nrog ntau hom kev tuav pov hwm sib txawv, cov nqi them rau tsiaj yog qee qhov pheej yig tshaj hauv khw. Txoj cai pib ntawm $9, thiab koj muaj kev xaiv xaiv cov phiaj xwm sib txawv thiab ntxiv-ons raws li koj cov peev nyiaj.
Rau qhov kev phais mob cataract, MetLife them txog 80% ntawm tus nqi phais, lossis txog li $2,000. Tus nqi nruab nrab ntawm kev phais kab mob cataract yog $2,000 txog $4,000, yog li koj tuaj yeem suav rau ib feem tseem ceeb ntawm koj daim nqi them. Raws li tus neeg tuav pov hwm ntseeg siab, MetLife muab kev thaj yeeb nyab xeeb tias koj muaj lub tuam txhab txhim khu kev qha tom qab koj, txawm tias ib txwm muaj qhov ua tswv cuab tshiab tuaj yeem ua rau muaj kev hloov pauv loj hauv lawv cov cai pov hwm tsiaj mus tom ntej.
Pros
- Nyob zoo txhua hli
- 80% them rov qab rau kev phais mob cataract
- Customization
Cons
Muaj peev xwm hloov pauv raws li tswv cuab tshiab
4. Wagmo
Wagmo tsiaj pov hwm yog ib qho kev xaiv pheej yig rau kev pov hwm tsiaj uas muaj ntau txoj kev xaiv rau koj txoj kev npaj thiab qib kev saib xyuas. Cov phiaj xwm kev noj qab haus huv pib ntawm $ 20 toj ib hlis thiab cov phiaj xwm pov hwm tsiaj pib ntawm $ 13 toj ib hlis, tab sis tus nqi them yog nyob ntawm koj qhov chaw nyob, tus tsiaj lub hnub nyoog, hom tsiaj, thiab nyiam. Koj muaj kev xaiv los sib xyaw ua ke los tsim koj qhov kev pov hwm zoo tshaj plaws.
Kev pov hwm tus tsiaj no suav nrog kev raug mob thiab kev mob nkeeg thiab kev kho mob, suav nrog kev phais mob cataract. Nws kuj tseem suav nrog cov kab mob hauv lub hauv paus los yog keeb kwm, xws li kab mob cataracts. Zoo li lwm yam kev pab them nqi kho mob, Wagmo tsis them rau cov xwm txheej uas twb muaj lawm, yog li koj yuav tsis tau txais kev pab them nqi kho mob rau koj tus dev lossis miv yog tias cov kab mob cataracts tshwm sim los ntawm kab mob lossis raug mob thiab twb muaj thaum koj tau txais txoj kev npaj.
Pros
- Affordable
- High customization options
- Cov kev pab rau kev raug mob, mob, thiab congenital mob
Cons
No coverage for pre-existing conditions
5. Spot
Spot Pet Insurance muaj cov kev npaj kho tau zoo heev nrog rau kev raug xwm txheej thiab kev mob nkeeg, xaiv kev saib xyuas kev tiv thaiv, thiab ntxiv-ons rau cov teeb meem coj tus cwj pwm lossis lwm txoj kev kho mob. Koj tuaj yeem hloov kho koj txoj kev npaj nrog cov kev xaiv rau kev txiav tawm, cov nyiaj them rov qab feem pua, thiab kev txwv txhua xyoo.
Spot npog kev raug xwm txheej, raug mob, mob, thiab congenital mob, yog li koj tuaj yeem tau txais kev pab them nqi kho mob cataract. Tus nqi koj yuav tsum them rau qhov kev phais yog nyob ntawm qhov txiav tawm thiab them rov qab feem pua koj tau xaiv. Uas tau hais tias, Spot tsis them rau cov xwm txheej ua ntej, yog li koj yuav tsis raug them yog tias cov kab mob cataracts tshwm sim los ntawm kab mob lossis raug mob ua ntej tau txais kev pov hwm.
Pros
- Customization xaiv thiab add-ons
- Txoj kev xaiv thiab kev coj cwj pwm kev xaiv
- Cov kev pab them nqi kho mob cataracts
Cons
No coverage for pre-existing conditions
6. Teb chaws
Kev pov hwm tsiaj thoob tebchaws yog qhov kev xaiv zoo rau cov tsiaj uas muaj kab mob cataracts. Raws li ib qho ntawm cov tuam txhab tuav pov hwm lees paub thiab hwm tshaj plaws hauv lub tebchaws, nws muaj ntau yam kev pab them nqi kho mob rau dev thiab miv uas them cov nqi kho mob loj xws li kev phais mob cataract.
Cov phiaj xwm txhua hli yog pheej yig, nrog rau cov phiaj xwm pib pib ntawm $ 12 toj ib hlis. Txawm tias txoj cai hwm tsuas yog $ 39 toj ib hlis thiab suav nrog cov teeb meem loj. Kev phais kab mob cataract raug them, tab sis tsis yog txog thaum koj tau ua tus tuav txoj cai tsawg kawg rau lub hlis. Thoob plaws teb chaws kuj xav kom koj siv tus kws kho tsiaj pom zoo.
Pros
- Muaj ntau yam kev xaiv
- Tus nqi pheej yig
- Kev phais kab mob cataract yog them rau txhua theem
Cons
- Koj yuav tsum yog tus tuav txoj cai tsawg kawg rau lub hlis rau qhov kev pab
- Tus kws kho tsiaj yuav tsum tau txais kev pom zoo thoob tebchaws rau kev pov hwm
7. Progressive
Progressive yog hom kev tuav pov hwm loj uas muaj kev tuav pov hwm tsheb, tsev, thiab tsiaj txhu los ntawm Pets Best. Nrog rau daim ntawv pov hwm tus tsiaj no, koj tuaj yeem xaiv qib kev pab them nqi rau cov xwm txheej thiab kev raug mob, kev raug mob thiab kev mob nkeeg, lossis kev npaj ua tiav nrog kev saib xyuas. Kev raug mob thiab kev raug mob, kev phais kab mob cataract tsuas yog them los ntawm kev tuav pov hwm yog tias nws tshwm sim los ntawm kev raug mob, tsis yog kab mob lossis kev mob tshwm sim.
Nrog kev raug mob raug mob thiab kev pab them nqi kho mob, koj tuaj yeem xaiv koj cov nyiaj them rov qab thiab txiav tawm los them rau kev phais mob cataract, tab sis nco ntsoov tias Progressive tsis them rau cov xwm txheej ua ntej. Progressive tsis muaj kev xaiv rau kev kho mob holistic, zaub mov, nce toj, tu cev, lossis lwm yam kev xav tau tsis tseem ceeb.
Pros
- Trusted insurance brand
- Muaj ntau yam kev xaiv
- Kev phais kab mob cataract yog them rau kev huam yuaj thiab mob
Cons
- No coverage for cataracts with some plan
- No add-ons rau cov kev xav tau tsis tseem ceeb
Yuav Ua Li Cas Saib Rau Hauv Kev Pov Hwm Tsiaj Rau Kev Kho Kab Mob Ntshav Qab Zib
Cov tuam txhab pov hwm tsiaj muaj ntau qhov kev pab them nqi rau cov tsiaj, tab sis txhua tus yuav muaj cov cai tshwj xeeb rau cov mob xws li cataracts. Nyob ntawm seb koj tus dev lossis miv tus kab mob cataracts yog tshwm sim los ntawm qhov mob hauv lub cev, raug mob, lossis mob, koj yuav tsum ua tib zoo xav txog cov phiaj xwm koj xaiv los xyuas kom meej tias kev phais mob cataract raug them.
Policy Coverage
Cov tuam txhab tuav pov hwm muaj ntau txoj cai xaiv, yog li koj yuav tau tshawb xyuas koj cov kev pab them nqi kho mob kom pom tias kev phais mob cataract puas yuav them. Kev pab them nqi kho mob yog kim dua, tab sis nws npog ntau qhov kev npaj txhij txog thiab kim teeb meem uas tuaj yeem tshwm sim hauv koj tus tsiaj lub neej. Yog tias koj muaj lus tsis txaus siab, nug txog qhov kev pab them nqi kho mob tshwj xeeb.
Kev Pabcuam & Lub Npe
Cov neeg siv khoom thiab lub koob npe nrov yog qhov tseem ceeb nrog koj tus kws kho mob. Txoj cai zoo tshaj plaws yuav tsis muaj nqis npaum li cas yog tias koj khiav mus rau qhov teeb meem thiab tsis tuaj yeem tau txais kev pab koj xav tau los ntawm cov neeg sawv cev pabcuam. Xav txog lub tuam txhab lub koob npe nrov rau kev saib xyuas nws cov neeg siv khoom thaum txiav txim siab thiab nyeem ntau yam kev tshuaj xyuas, suav nrog cov tsis zoo. Cov kev tshuaj xyuas no yuav qhia rau koj paub txog yam kev pab uas koj yuav tau txais yog tias qhov phem tshaj plaws tshwm sim.
Thov them rov qab
Kev them rov qab yuav tsum yog txheej txheem sai thiab yooj yim. Tag nrho cov tuam txhab teev npe ntawm qhov kev tshuaj xyuas no muaj lub koob npe nrov thiab rov them cov neeg siv khoom sai. Nco ntsoov, kev phais mob cataracts kim, yog li koj yuav xav paub tias koj muaj cov nqi them rov qab kom tsis txhob muaj nyiaj luv luv.
Price of Policy
Tus nqi tuaj yeem sib txawv raws li qhov koj xaiv thiab yam xws li koj tus tsiaj hom, hom tsiaj, hnub nyoog, thiab kev noj qab haus huv. Qee lub tuam txhab muab kev xaiv rau koj ntau dua nrog cov kev txiav tawm sib txawv lossis cov nyiaj them rov qab kom koj thiaj li txo tau koj cov nqi them txhua hli. Xyuas kom koj xav txog tag nrho koj cov kev xaiv thiab pob nyiaj siv.
Plan Customization
Cov tuam txhab pov hwm tsiaj feem ntau muab cov phiaj xwm sib txawv lossis qib sib txawv, ntxiv rau, them rov qab, txiav tawm, thiab ntau dua. Qee cov phiaj xwm muab cov txiaj ntsig ntxiv xws li kev nce qib tsiaj, kev saib xyuas kev tiv thaiv, kev pov hwm mus ncig, thiab lwm yam. Cov nqi them tuaj yeem tau txais pricey sai yog tias koj xaiv rau tag nrho cov add-ons, tab sis nws yuav tsim nyog rau koj qhov xwm txheej. Qhov tseem ceeb tshaj plaws yog tau txais kev raug mob loj thiab raug mob, ces kho raws li koj xav tau.
FAQ
Kuv Puas Tau Txais Kev Pov Hwm Tsiaj Sab Nraud Teb Chaws Asmeskas?
Nws nyob ntawm tus kws kho mob. Qee lub tuam txhab tuav pov hwm them rau tsiaj hauv Canada thiab Asmeskas thaj chaw. Lwm tus muab kev pab them nqi rau cov tsiaj 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?
Peb cov npe tshuaj xyuas siv zog los npog cov tuam txhab pov hwm tsiaj zoo tshaj plaws raws li cov neeg siv khoom tshuaj xyuas thiab cov kev xaiv rau kev phais mob cataract. Lwm lub tuam txhab pov hwm yuav them rau kev phais mob cataract ib yam nkaus, yog li nco ntsoov nug koj lub tuam txhab pov hwm txog dab tsi tau them raws li koj txoj cai.
Tus kws kho tsiaj twg muaj kev tshuaj xyuas cov neeg siv khoom zoo tshaj?
Nrog kev pab them nqi kho mob cataract, Trupanion yog peb xaiv sab saum toj thiab muaj cov neeg siv khoom xyuas zoo. Cov xwm txheej uas ua rau muaj kev tshuaj xyuas cov neeg siv khoom zoo tshaj plaws tuaj yeem sib txawv, txawm li cas los xij.
Dab tsi yog qhov zoo tshaj thiab pheej yig tshaj tsiaj pov hwm?
Rau qhov kev phais mob cataract thiab tag nrho cov tsiaj, peb qhov zoo tshaj plaws yog Trupanion. Qee lub tuam txhab tuav pov hwm muaj kev xaiv kev pab them nqi sib txawv thiab ntxiv rau, txawm li cas los xij, yog li koj tuaj yeem nrhiav lub tuam txhab pov hwm tsim nyog rau koj cov kev xav tau tshwj xeeb.
Cov neeg siv hais dab tsi
Trupanion muaj kev tshuaj xyuas cov neeg siv khoom zoo tag nrho. Nov yog qee cov neeg siv khoom tau hais:
- “Trupanion yog tus cawm seej. Thaum kuv ob tus dev muaj qee qhov teeb meem kho mob hnyav tib lub sijhawm, kuv muaj ntau dua $ 10,000 hauv vet cov nqi-Trupanion them feem ntau ntawm nws. "- Consumer Affairs
- “Ua tsaug, Trupanion. Koj pab kuv muab kuv tus aub saib xyuas nws tsim nyog!” - Consumer Affairs
Tsis yog txhua tus neeg siv khoom txaus siab, txawm li cas los xij:
“Kuv tau nrog Trupanion tau xya xyoo. Lub sijhawm ntawd, kuv tau them ntau dua 15 txhiab tus nqi rau ob tus dev. Kuv tau sim peb daim ntawv thov uas kuv tus kws kho tsiaj tau hais tias yuav tsum tau them raws cai. Lawv tsis tau them, txawm tias qhov kev phais kho hniav tseeb tseeb. "- Consumer Affairs
Tus kws kho tsiaj twg yog qhov zoo tshaj plaws rau kev phais kab mob cataract?
Lub xya lub tuam txhab pov hwm tsiaj nyob hauv daim ntawv teev npe no muaj qee yam kev pab them nqi kho mob cataract. Ua ntej koj kos npe rau tsab cai, xav txog cov nqi, kev xaiv kev pab them nqi, cov nyiaj them rov qab, thiab lwm yam ntxiv uas koj xav tau.
Thiab nco ntsoov tias kev phais mob cataract tej zaum yuav lossis tsis raug them nyob ntawm nws qhov laj thawj, yog li nco ntsoov koj xav txog qhov no thaum xaiv koj lub tuam txhab pov hwm. Cov xwm txheej ua ntej tsis raug them los ntawm cov tuam txhab tuav pov hwm, tab sis qee qhov them rau qee yam ua ntej muaj nyob rau hauv qee qhov xwm txheej. Yog hais tias tus kab mob cataracts yog congenital, koj tuaj yeem tau txais kev pab cuam nrog qee lub tuam txhab.
Conclusion
Kev phais kab mob cataract yog ib qho kev phais kim heev thiab feem ntau tsim nyog rau cov miv thiab dev kom muaj lub neej zoo. Yog tias koj txhawj xeeb txog tus nqi ntawm kev phais mob cataract, tau txais kev pov hwm tus tsiaj yog ib txoj hauv kev zoo los them cov nqi yav tom ntej thiab tau txais kev thaj yeeb nyab xeeb. Cov tuam txhab hauv daim ntawv teev npe no yog qhov pib zoo thiab muaj lub koob npe zoo, kev pabcuam zoo rau cov neeg siv khoom, thiab cov kev xaiv zoo tshaj plaws, tab sis nco ntsoov tshawb xyuas txoj cai xaiv los txiav txim siab paub.
