Kugcine ukubuyekezwa ngoMashi 24, 2023 ngu Izinja Vets
Umshwalense Wezilwane Ezifuywayo Wezinja Ezinkulu Ezizalanisayo: Umhlahlandlela Ophelele
Njengabanikazi bezilwane ezifuywayo, sonke sifuna abangani bethu abanoboya bajabule futhi baphile kahle. Kodwa-ke, izingozi nezifo zingenzeka, futhi izikweletu zezilwane zingakhula ngokushesha. Yilapho umshwalense wezilwane ezifuywayo ungena khona.
Izinja ezinkulu zohlobo zithandwa ngobuqotho bazo, amandla, kanye nobuntu obunothando. Kodwa-ke, babhekana nezinselele zempilo ezihlukile futhi bangadinga ukunakekelwa okukhethekile.
Umshwalense wezilwane ezifuywayo wezinja ezinkulu zohlobo ubalulekile ekuqinisekiseni ukuthi umngane wakho onoboya uyafinyelela ekunakekelweni akudingayo ngaphandle kokubangela ubunzima obungadingekile bezezimali.
Kulesi sihloko, sizoxoxa ngokubaluleka umshwalense wezilwane ezifuywayo wezinja ezinkulu zohlobo, ukuthi isebenza kanjani, yini okufanele icatshangelwe lapho ukhetha uhlelo, kanye nokunye umshuwalense ongcono kakhulu wezilwane izinketho ezitholakalayo.
Kungani Umshwalense Wezilwane Ezifuywayo Ubalulekile Ezinja Ezizalayo Ezinkulu
Izinja zohlobo olukhulu zithambekele kakhulu ezindabeni ezithile zezempilo, njenge i-hip dysplasia, i-arthritis, ne-bloat. Lezi zimo zingadinga imithi ebizayo, ukuhlinzwa, nemithi, engangeza ngokushesha izinkulungwane zamaRandi ezikweletini zezilwane.
Umshwalense wesilwane esifuywayo ungasiza ukukhokhela izindleko zezindleko zezokwelapha ezingalindelekile, uqinisekise ukuthi unganikeza ukunakekelwa okungcono kakhulu komngane wakho onoboya ngaphandle kokugqekeza ibhange.
Kungase futhi kunikeze ukuthula kwengqondo, ukwazi ukuthi uzilungiselele ngokwezimali noma yiziphi izinkinga zempilo ezingalindelekile ezingase ziphakame.
Indlela Umshwalense Wezilwane Ezifuywayo Osebenza Ngayo
Umshwalense wezilwane ezifuywayo usebenza ngendlela efanayo nomshwalense wezempilo yabantu. Ukhokha i-premium yanyanga zonke noma yonyaka, futhi ngokubuyisela, inkampani yomshwalense ihlanganisa ingxenye yezindleko zezokwelapha zesilwane sakho esifuywayo.
Izilinganiso eziqondile zokumbozwa kanye nembuyiselo ziyahlukahluka kuye ngohlelo olukhethayo.
Uma isilwane sakho esifuywayo sidinga ukwelashwa, uzokhokhela udokotela wezilwane kusengaphambili bese uhambisa isicelo enkampanini yomshwalense ukuze nokubuyisela.
Ezinye izinkampani zomshwalense zinikeza inkokhelo eqondile kudokotela wezilwane, kodwa lokhu kuyahlukahluka kuye ngohlelo.
Okufanele Ucabangele Lapho Ukhetha Uhlelo Lomshwalense Wezilwane Ezifuywayo
Lapho ukhetha uhlelo lomshwalense wesilwane esifuywayo, kunezici ezimbalwa okufanele uzicabangele:
- Ukuphakama: Qiniseka ukuthi uhlelo luhlanganisa izimo kanye nokwelashwa isilwane sakho esingase sikudinge. Ezinye izinhlelo zingase zingafaki izimo ezivele zikhona noma izinhlobo ezithile.
- Izindleko: Cabangela inkokhelo yanyanga zonke noma yonyaka, amanani emali edonswayo, kanye nembuyiselo. Qinisekisa ukuthi uhlelo luhambisana nesabelomali sakho futhi luhlinzeka ngokufaka okwanele.
- Insizakalo yekhasimende: Bheka inkampani enesevisi enhle yamakhasimende kanye nokucubungula izimangalo okulula. Funda izibuyekezo bese ucela izincomo kwabanye abanikazi bezilwane ezifuywayo.
- Okungeziwe: Ezinye izinhlelo zingase zinikeze izinzuzo ezengeziwe, njengokunakekelwa kwezempilo noma ukukhava kwezinye izindlela zokwelapha. Cabangela ukuthi lezi zinto ezengeziwe zibalulekile yini kuwe.
Izinketho eziphezulu Zomshwalense Wezilwane Ezifuywayo Zezinja Ezinkulu Ezizalanisa
Kunezinketho eziningi zomshuwalense wezilwane ezifuywayo ezitholakalayo, kodwa nazi ezinye zezinketho ezingcono kakhulu zezinja ezinkulu zohlobo:
- Ama-Paws aphilile - I-Healthy Paws iyinketho ethandwayo yomshwalense wezilwane ezifuywayo, ehlinzeka ngekhava ephelele ngaphandle kwemikhawulo yokuphila noma yonyaka. Futhi banenqubo yezimangalo esheshayo kanye nenkonzo yamakhasimende enhle kakhulu.
- Yamukela - I-Embrace inikeza amapulani enziwe ngokwezifiso ezinohlu lwemali edonswayo kanye namazinga okubuyisela. Baphinde banikeze ukumbozwa kwezinye izindlela zokwelapha, ezifana ne-acupuncture nokunakekelwa kwe-chiropractic.
- UTrupanion - I-Trupanion inikeza uhlelo olulodwa olulula olungenayo imikhawulo yenkokhelo, okwenza kube lula ukuliqonda nokusebenzisa. Baphinde banikeze inkokhelo eqondile kudokotela wezilwane kwezinye izimo.
- Kuzwelonke - Kuzwelonke inikeza uchungechunge lwezinhlelo, kufaka phakathi uhlelo lwezempilo oluhlanganisa ukunakekelwa okujwayelekile, njengokugoma nokuhlolwa. Baphinde banikeze ukuvikeleka kwezimo zofuzo nezokuzalwa.
Isiphetho
Umshwalense wezilwane ezifuywayo unganikeza ukuthula kwengqondo nokuvikeleka ngokwezimali kubanikazi bezinja ezinkulu zohlobo. Lapho ukhetha uhlelo, cabanga ngekhava, izindleko, isevisi yamakhasimende, nokunye okwengeziwe okunikezwayo.
Ezinye ze Izinketho eziphezulu zomshuwalense wezilwane ezifuywayo izinja ezinkulu zohlobo zihlanganisa Healthy Paws, Embrace, Trupanion, futhi Nationwide.
Ngokutshala imali kumshwalense wezilwane ezifuywayo, ungaqinisekisa ukuthi unganikeza ukunakekelwa okungcono kakhulu komngane wakho onoboya ngaphandle kokuphula ibhange.
Imibuzo Evame Ukubuzwa
Uyini umshwalense wesilwane esifuywayo ongcono kakhulu inja enkulu yohlobo?
Ayikho impendulo elingana nosayizi owodwa kulo mbuzo, njengoba uhlelo lomshwalense wesilwane esifuywayo olungcono kakhulu lwenja yakho yohlobo olukhulu luzoncika ezidingweni zakho ezithile kanye nesabelomali. Nokho, ezinye izinketho eziphezulu zihlanganisa Izidladla Ezinempilo, Ukwanga, I-Trupanion, kanye Nezwe Lonke.
Yini embozwa umshwalense wesilwane esifuywayo?
Umshwalense wezilwane ezifuywayo ungakhava izinhlobonhlobo zezindleko zokwelashwa, okuhlanganisa izingozi, izifo, nezimo ezingamahlalakhona. Ezinye izinhlelo zingase futhi zibhekele ukunakekelwa okujwayelekile, njengokugoma nokuhlolwa.
Ingabe izimo ezikhona ngaphambilini zimbozwa umshwalense wezilwane ezifuywayo?
Iningi lezinhlelo zomshwalense wezilwane ezifuywayo azibandakanyi izimo ezivele zikhona ekukhokhweni. Kubalulekile ukufunda inqubomgomo ngokucophelela futhi uqonde noma yikuphi ukukhishwa ngaphambi kokuthenga uhlelo.
Ubiza malini umshwalense wezilwane ezifuywayo?
Izindleko zomshwalense wesilwane esifuywayo ziyahlukahluka kuye ngezici ezimbalwa, okuhlanganisa inani lokukhava, elidonswayo, kanye nenani lembuyiselo. Ngokuvamile, ungalindela ukukhokha noma yikuphi kusuka ku-$20 kuya ku-$60 ngenyanga ngomshwalense wezilwane ezifuywayo.
Kufanele ngiwuthenge nini umshwalense wesilwane senja yami enkulu yohlobo?
Kungcono ukuthenga umshwalense wesilwane esifuywayo lapho inja yakho isencane futhi inempilo, ngaphambi kokuba kuvele noma yiziphi izimo ezivele zikhona. Lokhu kuqinisekisa ukuthi ungathola ukufakwa okungcono kakhulu ngangokunokwenzeka futhi ugweme noma yikuphi ukukhishwa kwezimo ezivele zikhona.
Iyini i-deductible?
Imali edonswayo yimali okufanele uyikhokhe ephaketheni ngaphambi kokuthi umshwalense wakho ungene. Isibonelo, uma unemali edonswayo engu-$500 futhi isikweletu sezokwelapha senja yakho ingu-$2,000, uzokhokha u-$500 futhi inkampani yomshwalense izokhokhela u-$1,500 osele.
Ngingakwazi ukusebenzisa noma yimuphi udokotela wezilwane ngomshwalense wezilwane ezifuywayo?
Izinhlelo eziningi zomshuwalense wezilwane ezifuywayo zikuvumela ukuthi usebenzise noma yimuphi udokotela wezilwane onelayisensi. Kodwa-ke, ezinye izinhlelo zingase zibe nenethiwekhi yabahlinzeki abakhethwayo noma zingadinga ukugunyazwa kusengaphambili kokwelashwa okuthile.
Kubalulekile ukufunda inqubomgomo ngokucophelela futhi uqonde noma yimiphi imikhawulo ngaphambi kokuthenga uhlelo.
Okokugcina, umshwalense wezilwane ezifuywayo ungaba utshalomali olubalulekile kubanikazi bezinja zohlobo olukhulu, osiza ekuhlinzekeni ukuphepha kwezezimali nokuthula kwengqondo uma kwenzeka kuba nezindleko zokwelashwa ezingalindelekile.
Lapho ukhetha uhlelo, cabanga ngekhava, izindleko, isevisi yekhasimende, nokunye okwengeziwe okunikezwayo, futhi uqiniseke ukuthi ufunda inqubomgomo ngokucophelela ukuze uqonde noma yikuphi ukukhishwa noma imikhawulo.
Ngohlelo olulungile lomshwalense wesilwane esifuywayo, unganikeza ukunakekelwa okungcono kakhulu komngane wakho onoboya ngaphandle kokugqekeza ibhange.
Ukuhlola kweqiniso
Sithemba ukuthi ukujabulele ukufunda lesi sihloko. Ithini imibono yakho ngesihloko?
“Nge[Izinja.com], inhloso yethu ukukulethela ulwazi olunembe kakhulu nolwakamuva kuzo zonke izinto ezihlobene nezilwane ezifuywayo.
Uma uneminye imininingwane eyengeziwe noma ungathanda khangisa nathi, ungangabazi thintana.
Uma ubona amaphutha noma ukungezwani kokuqukethwe kwethu, sicela usazise ukuze sikwazi ukukulungisa.
Siyayamukela impendulo yakho futhi sikukhuthaza ukuthi wabelane nabanye ngalesi sihloko.”
