Medical students who don't understand psychology are not good insurance brokers
Figure |Masterpiece.
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Preface. As an insurer for 7 years, it was the first time I had pet insurance for my cat.
I haven't taken the initiative to recommend pet insurance to my friends before.
So what the experience of this pet insurance is, I really don't know. Then I'll be a guinea pig.
First of all, a piece of advice for friends who are concerned about pet insurance:
Welcome to wait and see, squat in the comment area.
I will leave a message in a year:
Is this pet insurance good, am I renewing it?
Or do you want to switch to other pet insurance?
I still stop the insurance and no longer buy pet insurance.
If there is valuable information in the middle, I will also put it in the comment area.
About cats
My cat's name is Tina and she is 7 years old. British short gold gradient. Old cat, she was 5 years old when she came to our house. This is a little story I recorded when Tina first came: I have been the best "official" I have ever been, and it is your "shovel officer".
Before you know it, we've spent 2+ years together. Tina looks fierce and cowardly. It's really an angel cat. Basically, I never make trouble, I don't grab the sofa (the cat scratches the board at home), I don't go to the table openly (anyway, I won't be in front of people, no one is bad to say in the middle of the night), I haven't broken things (before raising cats, I've seen all kinds of cats push things off**, and I'm looking forward to it), basically not going into the bedroom and kitchen (under repeated closing doors and education, occasionally sneaking around and coming out).I have been working from home for many years, and Tina is basically within 1 meter of me when I work, or lying down or rubbing Jio, Tina always accompanies me silently to warm up the boring days. 
Tina Figure Danna
Why should I buy pet insurance?
(1) It's been 2 years, why do you buy pet insurance for cats?
From time to time, I have friends who ask me about pet insurance.
In the past, the advice I gave was to see if the pet hospital I frequented had a good insurance card.
Because pet insurance is not cost-effective, it is indeed not too high.
In the past 2 years, I have bought a Ruipeng insurance card for Tina. 1699 yuan a year.
What I value most about the insurance card is the discount on diagnosis and treatment, because the big risk is what I am most concerned about.
Six discounts for diagnosis and treatment, seven discounts for medicines, the discount is good, and the reimbursement ratio of some pet insurance is about the same, and the diagnosis and treatment discount of this protection card has no insurance limit and no deductible.
There are also benefits: a year of anthelmintic medicine (big favor), worth 800 yuan according to the official website.
Vaccines (cat Miaosanduo and rabies vaccine) are probably worth one or two hundred.
Physical examination (basic physical examination), about two or three hundred.
If you use both, the cost performance is okay.
Ruipeng Guarantee Card.
Why don't I continue to buy a protection card?
Because Ruipeng doesn't sell this anymore;
And this insurance card has been much worse since last year (reduced to 80% off diagnosis and treatment and 9% off medicines);
And the benefits don't quite meet my needs anymore:
First, there are few basic physical examination items, which is not suitable for old cats;
the second is deworming, we can buy our own drugs to get it;
The third is that the vaccine is also chicken, tina is purely domestic, does not go out, and does not need too many vaccines, otherwise it will do more harm than good to health:
Is it necessary to vaccinate cats every year? (qq.com)
Explain the principle of the cat's vaccine and breast milk antibodies at one time. Stop overvaccinating cats, cats only need to be vaccinated 1 time in their lifetime! (qq.com)
Therefore, the insurance card is not attractive to me this year, and I still want to transfer the large medical economic risk that I am most worried about. So I looked back at pet insurance.
How is pet insurance in the market?
It feels like just 3 words
So so. That's the conclusion I came to after looking at it for a while.
The biggest problem is that the big risk that pet owners are most worried about is not being addressed: the fear of large ** fees is not being addressed.
Because of pet insurance, the biggest problem is that the amount of insurance is generally not high.
For example, the sum insured is usually 1-30,000 years.
Individual insurance amounts seem to be relatively high, such as 450,000 years, but most of them are 150,000 pet third-party liability (this responsibility is a chicken for cats);
The remaining 300,000 medical reimbursements have a single limit, such as 10,000 for a single time; It is often stipulated that multiple visits for the same serious illness will be treated as a medical accident
For example, if you see a doctor 5 times due to cat plague, you can only be reimbursed 10,000 yuan at most.
For my friend's feline fibrosarcoma, the doctor told me that the cost of the first fee was completely beyond my imagination: the cost of radiotherapy was 18-250,000 yuan, and the cost of chemotherapy for another year was 50,000+, which exceeded the ** fee that most families can afford for their pets.
(2) When buying pet insurance, you have to be careful
In addition, when buying pet insurance, there are a few points to pay attention to
1. Don't buy wrong, it depends on your needs: some are called pet liability insurance (light protection for third-party losses of injured people), and some are called pet accident medical insurance (light insurance accidents, like car accidents, falls, and diseases).
2. After buying the right pet insurance, it depends on the responsibilities you are concerned about, whether they can meet your needs, such as the amount of insurance for a single liability, the single limit, the limit on the number of visits, the deductible, and the compensation ratio; as well as designated hospital requirements, exempt diseases, waiting periods, health notices, policy renewals, policy age, etc.
After sorting it out, I found that a small pet insurance has so many doorways inside, no wonder I didn't want to buy it before...
About the pet insurance I bought
(1) Let's talk about the disadvantages first
Let me talk about the shortcomings first, what I don't like: 1. The sum insured is low, with a maximum claim of 1500 or 2500 yuan each time (depending on the selected plan), and the outpatient clinic has a deductible of 200 yuan 2. The reimbursement ratio is average, 60% is reimbursed by designated hospitals, and 40% is reimbursed by non-designated hospitals (I will basically only go to designated hospitals) 3. Renew the insurance up to 10 years old (Tina is already 7 years old).
(2) There are shortcomings, why do I still buy them?
Because it is found that these are basically common problems in pet insurance. There is no solution at this time.
I have been an insider for 7 years, and I have carefully looked at the market products, and I have not found any special breakthroughs in pet insurance.
The Ping An one I chose is relatively cheap, the leverage is OK (37 times leverage), 399 yuan to protect 15,000 yuan, or 799 yuan to protect 30,000 yuan.
The designated hospitals cover Ruipeng, which I often go to, and the common pet hospitals are also covered.
In terms of claims service, I personally have not experienced Ping An's pet claims, but we have handled a lot of other claims cases of Ping An before, and I feel that it is still okay.
Value-added services, sent 1 time of in vitro deworming (when wool picking), 1 shot of vaccine (this is useless for me).
Pure advertising for pet insurance, there are also dry goods
The following is an introduction to this pet insurance, which can also be seen as a pure advertisement, and it is recommended to jump if you are not interested.
I made all the information about this pet insurance I bought public. Including product liability, exclusion clauses, complete insurance policy, and all the information required for application.
Other pet insurances are generally the same, and everyone can refer to them.
I bought Ping An's pet worry-free pet insurance.
(1) Product liability
I bought plan one, 399 yuan to protect 15,000 yuan, to test the waters.
Product Liability. (2) Disclaimer
In particular, all pet insurance companies have exemptions for congenital and hereditary diseases (Article 5).
Like the more talked-about :
Polycystic kidney disease is a hereditary disease, feline hypertrophic cardiomyopathy is a congenital tricuspid valve dysplasia, hip dysplasia, patellar dislocation is generally also a congenital disease, that is also exempt.
Disclaimer of Warranties. (3) Health notice
In order to be enrolled, you need to meet each of the health notices in order to be enrolled.
Health Notice. (4) Instructions for Insurance
Before applying for insurance, you should also pay attention to the insurance notice, and the medical treatment must be in a pet medical institution with a valid business license and animal diagnosis and treatment license, and can issue formal invoices, otherwise it will affect the claim.
Notices for Insurance. (5) Designated hospitals and direct compensation hospitals
Designated hospitals, before applying for insurance, you can search whether the pet hospital you often go to is a designated hospital;
In addition, Ping An also has direct compensation hospitals and non-direct compensation hospitals. Direct compensation hospitals can settle claims directly in the hospital similar to medical insurance, and there is no need to upload claim information afterwards, which is very convenient.
Designated hospitals. (6) Entire Policy and Terms
The following is my full policy and terms and conditions, you can take a look at them if you are interested.
My policy
My policy
Terms
(7) Fill in the information for insurance
It is convenient to purchase this pet insurance, no chips, no physical examination, and the pet has taken a clear picture of the front ** (including the pet body) for nearly a week, and fill in the basic information.
Note: If there is a significant difference between the claimed pet and the insured pet (age, gender, pet**) and cannot be identified as the same pet, the claim will be refused.
Fill in the information for my insurance:
Fill in my insurance information.
(8) Pets need to be uploaded**
Example: Example. I uploaded the ** of tina and it passed successfully
tina
Finally
Well, I'm looking forward to my message in a year's time, whether the insurance is renewed, replaced, or suspended
I'm looking forward to it myself
Halfway through, if there is a claim experience or other valuable news, such as I found a better product, such as I surrendered the policy halfway, I recommend that you don't buy it.
I will be in the message area, directly released.