Domestic pet protections are just to reduce the owners' obligations p>
Compared with overseas, domestic pet insurance is not very popular. It is even difficult for us to find institutions that can purchase insurance for pets. In fact, with the continuous increase in the number of pets, If it is reduced, pet protection will inevitably have better sales. Let’s not talk about other things. If pets also have medical insurance, I believe many owners will rush to buy it. After all, treating dogs is a big expense at present, especially for serious diseases such as infectious diseases. Thousands of dollars cannot be processed. Although pet insurance has begun to appear in China, there are not many varieties.
At first, the main benefit of pet insurance launched in China is not for dogs. Its main function is to help pet owners reduce their responsibilities. bear. Moreover, the premium of this type of insurance is relatively low. If the dog bites people, the person involved may receive a higher compensation amount. Moreover, this kind of protection has certain restrictions, and not all dogs can participate in this kind of protection. Generally, this kind of insurance only provides dogs that should hold a "Dog Breeding License" and "Canine Immunity Certificate" because the safety factor of this type of dog is much higher than that of other dogs. Otherwise, if something goes wrong, The insurance company may not be able to afford it.
Of course, this kind of insurance is similar to other types of insurance. It does not mean that you will be compensated after purchasing it. It also has some deductibles. For example, harm caused by the owner's intentional behavior, or the insured person's deliberate instigation or instructing the insured person's dog to harm others are not covered by the insurance. Secondly, the situation where the victim was bitten because he deliberately teased the dog is also not covered by the protection.
Overseas pet protections are much better, so we still have a long way to go.There is still a way to go
This is the domestic pet protection system. Although it is pet protection, dogs are not generally the ones who benefit. Pet insurance in other countries is somewhat different. For example, the United States currently has two main types of pet insurance: one is comprehensive insurance, including health and accident compensation. The other is a regulatory guarantee similar to that of us humans. Some medical services that were only available to humans in the past can now be found in veterinary clinics. If your dog undergoes cancer treatment, you may receive up to $15,000 in compensation. The average cost of pet coverage is about $250 a year. Coverage rates vary based on the age of the pet, ranging from $10 to $30 per month. In addition to insurance companies, hospitals will also provide some guarantees for pets, such as regular examinations, vaccinations, etc., as well as certain discounts on X-rays, blood tests, teeth cleaning, etc.
As for the protection benefits for pets in the UK, they are also very good. If the pet owner falls ill and is hospitalized, the additional terms of the policy also cover the pet’s expenses while at home; Once a pet dies, the owner's cost of purchasing a new pet is also included in the insurance obligations with additional conditions. If the owner is looking for comprehensive coverage, some insureds can pay for the pet's psychiatrist, while charging a special premium. Some sponsors even provide 24-hour service hotlines to provide communication services to grieving owners who have lost their beloved pets.
So compared with overseas, domestic pet protection still has a long way to go, but protecting pets does have to bear certain risks. After all, it is not uncommon for dogs to get sick or accidentally injure people. In particular, the care aspect does put a certain amount of pressure on the insurance company, so it will take some time to get started.
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