Zoo li txhua yam, tus nqi ntawm kev muaj tus tsiaj tau nce ntau heev. Raws li American Veterinary Medical Association, tus nqi nruab nrab rau peb mus ntsib kws kho tsiaj rau tus dev yog $ 700, thiab $ 379 rau qhov nruab nrab ntawm 2.4 mus ntsib miv. Qhov ntawd tsis suav nrog cov nqi kim tshaj li kev phais. Qhov ntawd ua rau kom tau txais kev pov hwm yog qhov kev xav zoo.
Txawm li cas los xij, raws li North American Pet He alth Insurance Association (NAPHIA), tsuas yog 4.1 lab tus tsiaj raug pov hwm piv rau kwv yees li 135.2 lab tus dev thiab miv hauv Tebchaws Meskas. Qhov ntawd tsuas yog 3%. Hmoov zoo, yog tias koj muaj Pumpkin Pet Insurance, koj tuaj yeem tso siab tau tiaskev phais yog them rau feem ntau.
Qhov tseem ceeb ntawm Kev Pov Hwm Tsiaj rau Kev phais
Kev phais yog qhov nyuaj rau cov tsiaj ib yam li rau tib neeg. Kev kuaj mob yog qhov tseem ceeb, uas feem ntau suav nrog kev ua ntshav, kuaj ntshav, thiab lwm yam kev sim. Txawm li cas los xij, cov nuj nqis no tseem ceeb heev rau koj tus kws kho tsiaj kom kuaj xyuas qhov tseeb. Nco ntsoov tias txoj kev kho kom raug nrog qhov cuam tshuam tsawg kawg yog lub hom phiaj los txo kev ntxhov siab thiab pab koj tus tsiaj kom rov zoo sai.
Cia peb tham vim li cas koj yuav tsum xav txog kev pov hwm tsiaj.
Cons
- plab hnyuv (dub): Txog $7,000
- Kev phais kab mob cataract (dog): $2,600 txog $4,000
- ACL/CCL phais (dog): $1,000 txog $3,000 ib lub hauv caug
Nco ntsoov tias cov nuj nqis no tsis suav nrog kev saib xyuas tom qab thiab nws cov nqi cuam tshuam. Tej zaum koj yuav tau them rau tsev kho mob, tshuaj noj, thiab kev mus ntsib tom qab. Tag nrho cov no ntxiv rau qee tus nqi hnyav rau kev phais.
Txawm li cas los xij, kev tuav pov hwm tsiaj txawv ntawm tib neeg cov phiaj xwm kev noj qab haus huv hauv ntau qhov chaw tseem ceeb. Koj yuav pom cov npe ntev ntawm kev cais tawm uas qee zaum tshwj xeeb. Feem ntau cov ntawv pov hwm yuav tsis them rau kev phais kom zoo nkauj rau cov txheej txheem xws li pob ntseg pob ntseg. Nws tsim nyog sau cia tias AVMA tawm tsam cov kev coj ua no, yog li nws haum raws li cov tuam txhab pov hwm saib xyuas lawv, ib yam nkaus.
Dab Tsi Pumpkin Pet Insurance Covers
Zoo li feem ntau cov neeg tuav pov hwm, Pumpkin Pet Insurance yog pob tshab txog qhov nws ua thiab tsis them. Koj tuaj yeem rub tawm ib qho qauv qauv raws li lub xeev uas koj nyob. Tsis yog txhua lub tuam txhab ua haujlwm rau tag nrho lub tebchaws. Txawm li cas los xij, koj tuaj yeem tau txais ib txoj kev npaj los ntawm lub tuam txhab no hauv tag nrho 50 lub xeev. Tus nqi them txhua hli txawv, nyob ntawm seb koj nyob qhov twg. Qhov ntawd tsis txawv txav rau Pumpkin lossis ib tus neeg tuav pov hwm.
Lub tuam txhab txwv nws txoj kev npaj rau miv thiab dev. Cov nuj nqis cuam tshuam txog kev phais uas Pumpkin Pet Insurance suav nrog cov hauv qab no:
- Imaging, xws li CT lossis MRI scan
- Intravenous (IV) kua thiab tshuaj
- Dental Extractions
- Hospitalization
- Lwm yam khoom siv kho mob xws li splints
- Kev xeem
- Lab work
Dab tsi Pumpkin Pet Insurance Doesn't cover
Cov kev cais tawm yog ua raws li kev lag luam pov hwm tsiaj. Tau kawg, cov nqi phais mob ntsig txog kev tsim txom lossis kev ua phem rau tsiaj tsis raug them. Nov yog qee yam koj yuav pom thoob plaws hauv pawg thawj coj hauv tag nrho 25 North American cov chaw muab kev pabcuam. Pumpkin tseem muaj 14-hnub tos lub sijhawm rau kev sib tsoo thiab mob. Qhov ntawd yog qhov txawv me ntsis vim tias ntau tus neeg tuav pov hwm tsuas muaj 48-teev qhov rau kev sib tsoo.
Ib qho tsis pom kev yog ligament thiab hauv caug mob. Lub sijhawm tos siv vim qhov yuav tshwm sim. Txawm li cas los xij, nws yog tus qauv hauv kev lag luam, qee zaum nrog lub sijhawm tos sib txawv. Nws yog tsim nyog sau cia tias Pumpkin Pet Insurance txiav txim siab spaying thiab neutering ib txoj kev xaiv. Yog li ntawd, ob leeg tsis them rau hauv lawv cov phiaj xwm.
Peb ib txwm xav kom nyeem cov ntawv zoo nrog cov cai. Nws tsis muaj qhov zam ntawm no. Txawm li cas los xij, peb vam tias koj yuav tsis tau them cov nuj nqis no. Pumpkin Pet Insurance yuav tsis them rau kev phais lossis lwm yam kev kho mob uas tshwm sim los ntawm kev tawm tsam, kev ua tsov ua rog, lossis kev ua tsov rog. Lub tuam txhab tseem tsis suav nrog kev raug mob los ntawm kev saib xyuas lossis hauv cov ntsiab lus ntawm tub ceev xwm (cov dev ua haujlwm).
Koj Yuav Tsum Paub Txog Kev Pov Hwm Tsiaj
Pet insurance feem ntau yog ib txoj kev them rov qab. Koj them tus nqi ua ntej, thiab Pumpkin yuav ua koj daim ntawv thov kom tau txais koj them sai sai. Koj tuaj yeem xaiv koj qhov kev txiav tawm thiab kev pab them nqi kho mob. Thaum lawv muab $ 10, 000, qhov muaj feem yuav tsis zoo li koj xav tau ntau npaum li ntawd. Txawm li cas los xij, koj muaj kev thaj yeeb nyab xeeb ntawm kev xaiv rau nws yog tias koj xaiv.
Koj tuaj yeem siv tus kws kho tsiaj uas koj nyiam, uas yog qhov zoo siab tos txais cov tuam txhab uas yuam koj xaiv hauv-network. Lub tuam txhab muaj lub mobile app los ua cov ntaub ntawv thov kom yooj yim li sai tau.
Nrhiav Lub Tuam Txhab Pov Hwm Tsiaj Zoo Tshaj Plaws hauv 2023
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Txoj Kev Xav
Kev phais yog kev ntxhov siab rau ob tus tswv thiab tus tsiaj. Tau kawg, peb paub tias koj xav tau qhov zoo tshaj plaws rau koj tus khub tsiaj.
Pumpkin Pet Insurance npog feem ntau cov kev phais thiab lawv cov nuj nqis cuam tshuam. Txawm li cas los xij, peb pom zoo kom tshuaj xyuas cov qauv cai rau koj lub xeev kom ntseeg tau tias nws yuav ua tau raws li koj cov kev xav tau nyiaj txiag yog tias koj xav tau.
