Yakagadziridzwa Kuwedzeredzwa muna Kubvumbi 9, 2024 na Imbwa Mudiwa
Iwo epamusoro mashanu ePet Inishuwarenzi Makambani eImbwa Vakuru: Kuchengeta Canine Yako Shamwari Yakafukidzwa Mumakore Avo Endarama.
Vadiwa vedu furry shamwari dzinova vagari vakuru nekukurumidza kupfuura zvatinoziva. Imwe miniti imbwa dzinotamba, uye inotevera, ivo mutambo vhudzi shoma shoma uye kutora nguva mumasikati.
Kunyange shanduko iyi iri chikamu chehupenyu hwechisikigo, inouyawo nekuwedzera zvinodiwa zvechiremba wemhuka. Imbwa dzakura dzinowanzoita zvirwere zvine chokuita nezera, tsaona, uye zvirwere zvisingaperi.
Apa ndipo pane pet inishuwarenzi kune imbwa dzechikuru dzinopinda - inoshanda semambure ekuchengetedza mari, ichikubatsira kuwana rubatsiro rwepamusoro kune mumwe wako waunoda pasina kutyora bhangi.
Asi nevazhinji vanopa inishuwarenzi yemhuka pamusika, kusarudza iyo yakakodzera imbwa yako yepamusoro inogona kunzwa kuremerwa.
Usanetseke, takakufukidza! Izvi yakazara gwara rinonyura mukati mepamusoro 5 inishuwarenzi yemhuka makambani embwa dzechikuru, achiongorora hurongwa hwadzo, ruzivo rwekuvhara, uye akasiyana maficha ekukubatsira iwe kuita sarudzo ine ruzivo.
Sei Pet Inishuwarenzi Yakanyanya Kukosha kune Vakuru Imbwa
Funga nezveinishuwarenzi yemhuka sekudyara muhutano hwenguva refu yembwa yako uye mufaro.
Heino cheki chechokwadi: mitengo yezvipfuyo inogona kuwedzera nekukurumidza, kunyanya kune imbwa dzechikuru.
- Kuwedzera Veterinary Inodiwa: Imbwa dzechikuru dzine mukana wekuita zvirwere zvisingaperi seArthritis, chirwere chemwoyo, uye chirwere cheitsvo. Mamiriro aya anowanzoda kuenderera mberi nemishonga, kudya kwakasarudzika, uye kugara uchiongororwa vet, zvichitungamira kune zvakakosha mari yezvipfuyo.
- Zvinhu Zvisingatarisirwi: Kunyangwe imbwa huru ine hutano inogona kusangana netsaona kana kurwara kamwe kamwe. Inishuwarenzi yemhuka inobatsira kudzikamisa mutoro wezvemari wekuvhiya kusingatarisirwe, kushanya kwevechimbichimbi, uye mitengo yekuchipatara.
- Runyararo rwePfungwa: Kuziva kuti une pet inshuwarisi kunokubvumira kuti utarise hutano hwembwa yako yepamusoro pasina kunetseka pamusoro pemari inokonzerwa nekurapwa kwavo. Iwe unogona kuita sarudzo dzakanakisa dzehutano hwavo pasina kunzwa uchiganhurirwa nemutengo.
Kusarudza Iyo Yakakodzera Pet Inishuwarenzi Yenyu Imbwa Yako Yakakura: Mafungiro Akakosha
Nehuwandu hwesarudzo dzeinishuwarenzi dzemhuka dziripo, zvakakosha kuti usarudze chirongwa chinoenderana nezvinodiwa nembwa yako yepamusoro uye bhajeti yako.
Hezvino zvimwe zvakakosha zvekufunga nezvazvo:
- Kuvhara Sarudzo: Tsvaga chirongwa chinopa kuvharika kwakazara kwetsaona, zvirwere, uye zvirwere zvisingaperi. Zvimwe zvirongwa zvinogona kusabvisa pre-eposting mamiriro, saka iva nechokwadi chekunzwisisa zvese.
- Matanho ekudzosera: Makambani einishuwarenzi echipfuwo anowanzo kudzorera chikamu (kazhinji pakati pe70% ne90%) yezvikwereti zvako zvezvokurapa mushure mekunge wabhadhara deductible. Sarudza mwero wekudzorera unoenderana nenzvimbo yako yemari yekunyaradza.
- Pagore uye Hupenyu Hwose Kuvharwa Kwemiganhu: Zvimwe zvirongwa zvine zvivharo zvepagore pamusoro pemari yavanozodzosera pagore, nepo vamwe vachipa hupenyu hwese. Funga nezvezera rembwa yako, mamiriro ehutano, uye zvingangodiwa mune ramangwana paunenge uchiongorora miganhu yekuvhara.
- Hutano uye Dziviriro Yekuchengetedza Kuvharwa: Zvimwe zvirongwa zveinishuwarenzi yemhuka zvinopa kuvharwa kwekuchengetedza kuchengetedza senge majekiseni, spaying / neutering, uye kuongororwa kwegore. Izvi zvinogona kuva kuwedzera kwakakosha, kunyanya kune imbwa dzechikuru dzinobatsirwa nekuchengetedza nguva dzose.
Iwo Epamusoro 5 Pet Inishuwarenzi Makambani eImbwa Vakuru: An In-Depth Analysis
Zvino, ngationgororei zvakadzama nezvemakambani mashanu epamusoro einishuwarenzi ezvipfuyo zvembwa dzechikuru:
1. Gamuchira Pet Inishuwarenzi
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- zvayakanakira: Embrace inopa yakazara tsaona uye kuvharika kwehurwere, kusanganisira zvisingaperi. Ivo vanozvirumbidza mushandisi-inoshamwaridzika yepamhepo portal yekuendesa zvichemo uye vane mukurumbira webasa rakanakisa revatengi.
- nezvayakaipira: Zvirongwa zveEmbrace zvinogona kunge zviri kudivi remutengo, uye vane zvimwe zvinosarudzika kune zvakagara zviripo.
2. Healthy Paws Pet Insurance
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- zvayakanakira: Healthy Paws inopa tsaona yakatwasuka uye chirongwa chehurwere pasina miganho yekubhadhara. Ivo vanozivikanwa nekukasira uye nekunetswa-yemahara yekudzosera maitiro.
- nezvayakaipira: Hutano Paws 'zvirongwa hazvifukidze chero kudzivirira kwekuchengetedza, uye vane kumwe kusarudzika kwerudzi.
3. Nyika Yese Pet Inishuwarenzi
- zvayakanakira: Nyika yese inopa zvirongwa zvakasiyana-siyana zvinogoneka zvine mazinga akasiyana ekuvhara uye zvinobviswa. Ivo zvakare vane yakasarudzika hutano yekuwedzera-iyo inovhara ekudzivirira kuchengetedza mari. Vanobvuma imbwa dzevakuru kusvika pazera regumi rekunyoresa.
- nezvayakaipira: Mapeji ekubhadhara emunyika yose anogona kudzikira kana achienzaniswa nevamwe vakwikwidzi, uye hurongwa hwavo hunogona kunge husina magumo pane mamwe marapirwo.
4. Trupanion Pet Inishuwarenzi
- zvayakanakira: Trupanion inozivikanwa nehurongwa hwayo hwekuvhara hupenyu hwese, zvichireva kuti vanodzosera mari yakavharwa yehupenyu hwese hwembwa yako, kwete pagore. Ivo zvakare vane tarisiro yakasimba pane mamwe marapirwo senge rehabilitation uye acupuncture.
- nezvayakaipira: Zvirongwa zveTrupanion zvinogona kudhura, kunyanya kune imbwa dzakura. Ivo havapi chero chekudzivirira chekuchengetedza cheki.
5. PetPartners
- zvayakanakira: PetPartners isarudzo huru kune bhajeti-vanoziva varidzi vezvipfuyo. Vanopa zvirongwa zvisingadhuri zvetsaona chete uye zvirongwa zvetsaona nehurwere zvine mibairo yakaderera. Vanobvuma imbwa dzevakuru kusvika pazera re8 kuti vanyore.
- nezvayakaipira: Kufukidzwa kwePetPartners kunogona kunge kusakwana sevamwe vanopa. Zvirongwa zvavo zvine maperesenti ekudzoreredza akaderera uye zvivharo zvepagore. Ivo havapi chero chekudzivirira chekuchengetedza cheki.
Kuita Sarudzo Yakakwana: Kufananidza Vepamusoro Pet Inishuwarenzi Vanopa Imbwa dzevakuru
Kuti ikubatsire kuona misiyano yakakosha pakati peaya epamusoro makambani einishuwarenzi embwa dzechipfuwo, takagadzira tafura yekuenzanisa:
| mamiriro | Embrace | Hutano Paws | Nationwide | trupanion | PetPartners |
|---|---|---|---|---|---|
| Kufukidza Rudzi | Tsaona & Chirwere | Tsaona & Chirwere | Tsaona & Chirwere (Optional Wellness Add-On) | Hupenyu Hwose Tsaona & Kurwara | Tsaona-chete (Ngozi Yekusarudza & Kurwara) |
| Reimbursement Level | Kusvikira ku90% | Kusvikira ku90% | Kusvikira ku80% | Kusvikira ku90% | Kusvikira ku70% |
| Miganho Yekuparidzirwa Yegore | Zvinosiyana nehurongwa | Unlimited | Zvinosiyana nehurongwa | Unlimited | Zvinosiyana nehurongwa |
| Pre-Existing Conditions Kusabatanidzwa | Inosiyana nemamiriro | Hapana zvetsaona | Inosiyana nemamiriro | hapana | Inosiyana nemamiriro |
| Preventative Care Coverage | Aihwa | Aihwa | Optional Add-On | Aihwa | Aihwa |
| Standout Feature | Mushandisi-ane hushamwari chikuva & yakanakisa sevhisi yevatengi | Kurumidza & kusinganetse-yemahara yekudzosera mari | Zvirongwa zvinogoneka uye hutano hwekuwedzera | Hupenyu hwese coverage | Zvirongwa zvetsaona chete zvinokwanisika |
| Best For | Imbwa dzechikuru dzine mamiriro asingaperi & idzo dzinoda basa rakanaka revatengi | Imbwa dzechikuru dzinoda kukurumidza & nyore kudaira kugadzirisa | Varidzi-vanoziva bhajeti vanoda zvirongwa zvinogoneka | Imbwa dzevakuru dzinoda kuvharwa kwehupenyu hwose | Varidzi vanokoshesa bhajeti vanoisa pamberi pekuvhara njodzi |
Rangarira, iyo "yakanakisa" pet inishuwarenzi kambani yembwa yako yepamusoro zvinoenderana nezvido zvako uye bhajeti. Nyatsofunga nezvezera rembwa yako, mamiriro ehutano, rudzi, uye nhanho yako yaunoda yekuvhara usati waita sarudzo.
Zvimwe Zvinhu Zvokufunga nezvazvo Paunenge Uchisarudza Pet Inishuwarenzi yeImbwa Vakuru
- Nguva dzekumirira: Mamwe makambani einishuwarenzi ezvipfuyo ane nguva dzekumirira kusati kwatanga kuvharwa nekuda kwetsaona uye zvirwere. Iva nechokwadi chekuisa izvi pakusarudza chirongwa, kunyanya kana imbwa yako yepamusoro iine chero zvidikanwi zvekurapa.
- Kurambidza Kubereka: Mamwe madzinza anogona kunge ari pasi pemibhadharo yepamusoro kana kunyange kubvisirwa kuvharwa nekuda kwepamusoro genetic predispositions kune mamwe mamiriro ehutano.
- Ongororo yeVatengi uye Marongero: Usatore pasi simba rekuongorora kwepamhepo! Kuverenga izvo vamwe varidzi vezvipfuyo vakawana nemakambani akasiyana einishuwarenzi emhuka anogona kuve chinhu chakakosha.
Pfungwa dzekupedzisira paKusarudza Pet Inishuwarenzi yeImbwa Yako Mukuru
Kupa imbwa yako yepamusoro netarisiro yakanakisa mumakore avo egoridhe chinhu chinonyanya kukosha. Inishuwarenzi yemhuka inogona kuve chishandiso chakakosha kuona kuti vanowana kurapwa kwavanoda pasina kuisa dambudziko remari pauri.
Nekunyatsofunga zvinodiwa nembwa yako, kuenzanisa zvirongwa, uye kunzwisisa zvinhu zvakakosha zvinosanganisirwa, unogona kuwana yakakwana inishuwarenzi yemhuka inounza rugare rwepfungwa uye inochengeta yako furry shamwari ine hutano uye ichifara kwemakore anotevera.
Mibvunzo Inowanzo bvunzwa (FAQs) nezvePet Inishuwarenzi yeMakuru Imbwa
Yanonoka here kuwana pet insurance yembwa yangu yepamusoro?
Kunyange zvazvo zvakanyanya kunaka kunyoresa imbwa yako muinishuwarenzi yemhuka kana ichiri mudiki uye ine hutano, mamwe makambani anobvuma imbwa dzepamusoro kuti dzinyoreswe kusvika kune rimwe zera (kazhinji kutenderera makore 8-10). Zvisinei, pre-exsting conditions zvinogona kubviswa pakuvhara.
Ko kana imbwa yangu yepamusoro ine pre-exposting conditions?
Mamwe makambani einishuwarenzi echipfuwo anopa kuvharwa kudiki kwemamiriro akange aripo, asi vamwe vasingaatore zvachose. Zvakakosha kuti utaure pamusoro penhoroondo yekurapa kwembwa yako paunenge uchiwana quote kuti unzwisise zvichazove uye zvisingafukidzwe. Kune zvakare dzimwe sarudzo senge veterinary discounts zvirongwa zvinopa mareti akaderedzwa pamasevhisi evet, zvisinei nemamiriro akange aripo.
Inishuwarenzi yemhuka yembwa huru inodhura zvakadini?
Mutengo weinishuwarenzi yemhuka yembwa dzechikuru unosiyana zvichienderana nezvakati wandei zvinhu, zvinosanganisira:
- Rudzi rwembwa yako
- Zera rembwa yako
- Enda yako
- Mhando yekuvhara yaunosarudza (tsaona-chete maringe netsaona nehurwere)
- Mari inobviswa yaunosarudza
- Chiyero chekudzorera chaunosarudza
Kazhinji, tarisira kubhadhara yakawanda yeinishuwarenzi yemhuka yembwa dzevakuru zvichienzaniswa nembwa diki. Nekudaro, kuenzanisa makotesheni kubva kune vakasiyana vanopa uye kugadzirisa hurongwa hwako zvichibva pane zvaunoda kunogona kukubatsira iwe kuwana inokwanisika sarudzo.
Ndeapi mamwe matipi ekuchengetedza mari painishuwarenzi yemhuka yembwa dzevakuru?
- Sarudza yakakwira deductible: Iyo yakakwira deductible inodzikisa yako pamwedzi premium. Ingova nechokwadi chekuti iwe unokwanisa kuwana zvakadzikama mutengo wepamberi weiyo deductible kana imbwa yako ichida kuchengetwa kwemhuka.
- Sarudza chirongwa chetsaona chete: Zvirongwa zvetsaona chete zvinowanzochipa pane zvirongwa zvetsaona nehurwere. Nekudaro, izvi zvinoreva kuti iwe uchave nebasa rekuvhara chero mari ine chekuita nechirwere.
- Funga nezvechirongwa chekuderedzwa kweveterinary: Veterinary discounts zvirongwa zvinopa mareti akaderedzwa pamasevhisi evet, zvisinei nemamiriro akange aripo. Iyi inogona kuve sarudzo inodhura kana iwe uchinyanya kunetseka nezve maitirwo ekuchengetedza uye matanho ekudzivirira.
Ndekupi kwandingadzidza zvakawanda nezve pet inishuwarenzi yembwa huru?
Mazhinji makambani einishuwarenzi ezvipfuyo anopa zvakakwana zviwanikwa uye madhairekitori pane avo mawebhusaiti. Mapoka ekutsigira vatengi akazvimirira uye mawebhusaiti ekuchengetedza pet anogona zvakare kuve akakosha masosi eruzivo. Chekupedzisira, kutaura nachiremba wako nezve kurudziro yavo yeinishuwarenzi yemhuka yembwa huru inogona kuve nzira yakanaka yekuwana zano remunhu.
Rangarira, kutora nguva yekutsvaga uye kuenzanisa pet inishuwarenzi sarudzo kwakakosha kuti uwane yakanakisa yekuvhara imbwa yako yepamusoro nemutengo unokwanisika. Nekudyara muinishuwarenzi yemhuka, unogona kuona kuti shamwari yako ine furry inogamuchira yemhando yekurapa yezvipfuyo yavanofanirwa mukati memakore avo egoridhe.
Reference Links:
- American Pet Products Association (APPMA): https://www.americanpetproducts.org/ Iyi indasitiri yemubatanidzwa inopa ruzivo rwakakwana nezve pet inishuwarenzi uye mabhenefiti ayo.
- National Association of Insurance Commissioners (NAIC): https://content.naic.org/ Iyo NAIC ishandiso yevatengi vari kutsvaga ruzivo nezve inishuwarenzi mitemo uye kudzivirira kwevatengi. Ivo vanopa pet inishuwarenzi madhairekitori kuti akubatsire iwe kunzwisisa akasiyana ekuvhara sarudzo.
- Consumer Reports: https://www.consumerreports.org/ Consumer Reports isangano risingaite purofiti iro rinopa ongororo uye zviyero zvisina tsarukano pane dzakasiyana siyana zvigadzirwa nemasevhisi, kusanganisira inishuwarenzi yemhuka. Webhusaiti yavo ine zvakadzama zvinyorwa zvichienzanisa akasiyana makambani einishuwarenzi emhuka uye zvirongwa.
- Nest (neWirecutter): https://www.nytimes.com/wirecutter/ The Nest iwebhusaiti yekurudziro yechigadzirwa kubva kuNew York Times. Ongororo yavo yeinishuwarenzi yemhuka inopa rubatsiro rwekutanga rwekutsvaga kwako.
- Rover: https://www.rover.com/ Rover inzvimbo yakakurumbira yepamhepo yekuchengetedza mhuka dzemhuka. Webhusaiti yavo ine zvinyorwa zvinodzidzisa nezve pet inishuwarenzi yekutanga uye kusarudza chirongwa chakakodzera chembwa yako yepamusoro.
