How to buy pet liability insurance, and what is covered?

I bought Ping An's pet liability insurance, I think it's quite cost-effective, although pets are more well-behaved in life, but the probability of being scratched by pets is still quite large, and now it takes a lot of money to get vaccinated, and there is an insurance that can bear part of the cost for us, which is also very good. I was insured on the Ping An Good Life app at that time, and I could apply for insurance without going out, which was very convenient.

Hello! It is possible to buy insurance for pets

According to the demand, there are two main types of pet insurance on the market:

1) Pet Medical Insurance: Reimbursement of medical expenses arising from pets' illness or accidents.

2) Pet liability insurance: compensate for the economic losses caused by pets attacking others or damaging others' finances.

The selection of pet liability insurance is relatively simple, generally pay attention to whether the protection liability is covered** and property damage, exemption clauses and whether a pet license or health certificate is required.

Let's focus on the selection points of pet medical insurance:

This type of insurance is more complicated, and we should look at the protection content of the product when purchasing, so as not to be out of the scope of the claim after the accident.

1. Reimbursement conditions.

This is directly related to how much we can pay for the treatment of pets.

The primary concern is whether there are hospital restrictions, most products require designated hospitals to be reimbursed, and a small number of products have no requirements for hospitals, and both designated and non-designated products can be reimbursed.

However, the reimbursement ratio is different: generally 60% for designated hospitals and 40% for non-designated hospitals.

Secondly, pay attention to the deductible, the deductible is generally 200-500 yuan, and there are also products with 0 deductible, but it will be more expensive.

For the same ** product, the general single claim limit will be very low, and the cost performance is relatively low.

There are hundreds of drugs for minor pet illnesses and thousands for major illnesses, so it is recommended to choose products with a high reimbursement ratio and a higher single limit for the same ** pet insurance.

For example, it costs 3,000 yuan to see a pet, minus the 200 deductible.

60% reimbursement ratio, compensation (3000-200) 60% = 1680 yuan, almost half of the expenses are reimbursed.

If it is 80% reimbursement ratio, the compensation (3000-200) 80% = 2240 yuan, and the premium for one year will be saved.

2. Scope of protection.

The coverage of pet medical insurance should be complete, and try to choose products that are not limited to diseases and accidental injuries, so that most of the pet's medical treatment can be covered.

However, congenital diseases and genetic diseases are generally not insured, and the terms should be read clearly during the insurance process.

3. Value-added services.

The most common value-added services for products on the market include pet medical check-ups and vaccination services.

Pets do not express pain, and the early symptoms of some diseases are often difficult to detect.

The annual physical examination can detect pet diseases early and effectively protect the health of pets.

Some products also add third-party liability and pet accidental illness and death benefits, which is the icing on the cake.

Most cats and dogs can buy pet medical insurance, but some insurance products may require a dog license or vaccination certificate.

When applying for insurance, you must pay attention to the insurance instructions to avoid the situation that you can't pay for the insurance after buying insurance.

Hope daddy's is helpful to you!

Pet insurance, also known as pet insurance, is a kind of commercial insurance that provides protection for pets and their owners, and is a kind of property insurance.

The policyholder of pet insurance pays the insurance premium according to the contract, and the insurance company pays compensation for the insured accidents agreed in the contract, such as the loss, death, disability, illness and third-party loss caused by the insured pet. Common types of pet insurance include pet accident insurance, pet medical insurance, and pet liability insurance.

Pet insurance in various parts of the country is all pet liability insurance, which is a kind of liability insurance. After purchasing pet liability insurance, during the insurance period, if the insured causes personal injury or death to a third party because of the pet he raises or manages, the resulting ** and disposal costs, personal injury compensation to the third party and other economic responsibilities that should be borne by the pet owner will be transferred to the insurance company to give the third party economic compensation, so as to reduce the economic risk of the pet owner to a large extent.

Pet insurance is a type of pet insurance.

It is a kind of commercial insurance that provides protection for pets and their owners, and is a kind of property insurance.

Pet insurance refers to the commercial insurance behavior in which the policyholder pays the insurance premium for the insured pet according to the contract, and the insurer bears the responsibility of paying the insurance money when the insured pet is injured or lost due to the occurrence of an accident that may occur as agreed in the contract, or when the insured pet dies, is disabled, sick or reaches the age and time limit agreed in the contract.

Summary. Hello dear. We will be happy to answer your questions. <>

There are three ways to buy it. 1.Inquiries can be made at your local pet store.

Many pet stores have long-term cooperative relations with insurance companies, and have launched a variety of various forms of pet insurance for sale, which are also more economical. You can provide information about your pet to insure your pet.

2.It is directly through the insurance company's official website, APP or sales staff to consult and purchase, in the sales staff to indicate their own insurance needs and the pet's own health conditions, through the sales staff's analysis and recommendation, choose a suitable insurance for pets to insure. If you are viewing it on the official website or APP, you can browse pet insurance-related products by yourself, and then consult the insurance if you are unclear, and place an order directly after confirming the purchase.

How to buy pet insurance.

Hello dear. We will be happy to answer your questions. <>

There are three ways to buy it. 1.Inquiries can be made at your local pet store.

Many pet stores have long-term cooperative relations with insurance companies, and have launched a variety of various forms of pet insurance for sale, which are also more economical. You can provide information about your pet to insure your pet. 2.

It is directly through the insurance company's official website, APP or sales staff to consult and purchase, in the sales staff to indicate their own insurance needs and the pet's own health conditions, through the sales staff's analysis and recommendation, choose a suitable insurance for pets to insure. If you are viewing it on the official website or APP, you can browse pet insurance-related products by yourself, and then consult the insurance if you are unclear, and place an order directly after confirming the purchase.

3.Through the insurance intermediary platform, the platform will collect the current market of major insurance companies selling pet insurance after understanding the needs of customers and the situation of pets, and compare the pet insurance sold in the current market for the high rate of pet insurance, combined with a comprehensive analysis of the pet situation, recommend a cost-effective product to customers to buy.

What do you recommend for the insurance platform?

At present, there are two main types of pet insurance on the market: pet medical insurance: reimbursement of medical expenses caused by pets' illness or accidental injury. Pet Liability Insurance: Compensates for the financial losses of pets that injure others or damage others, and reduce the financial pressure on owners.

2.Pet Liability InsuranceThe selection of pet liability insurance generally depends on the following points: some products of protected animals only protect dogs, if the little cutie at home is not a dog, there is no need to buy.

Whether a dog license is required or not, a pet license or health certificate is generally required. Liability Some products only protect the medical treatment of the third party, but do not protect the loss of property and property. Disclaimer of Warranties.

1.This kind of insurance will be more complicated, we should see the protection content of the product when buying, so as not to be in the scope of claims after the accident. Plans may vary from home to home.

Hello! After purchasing pet liability insurance, during the insurance period, if the insured causes personal injury or death to a third party because of the pet he raises or manages, the resulting ** and disposal costs, personal injury compensation to the third party and other economic responsibilities that should be borne by the pet owner will be transferred to the insurance company to give the third party economic compensation, so as to reduce the economic risk of the pet owner to a large extent.

At present, most pet liability insurance is only for pet cats and dogs in the city**, and other pets are excluded. Due to the special nature of pet insurance products, it is best for pet owners to contact a larger insurance company for insurance, and they should also understand the specific insurance matters before applying for insurance.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Hello! When buying pet insurance, you need to pay attention to three things, that is, you must have a pet adoption certificate, understand your main position in the legal relationship of the insurance contract, and carefully read the insurance terms and conditions to understand the scope of exemptions. The details are as follows:

1. When applying for pet insurance for pets, the insured pet must have a pet adoption certificate, otherwise it cannot be handled. Therefore, your pet must be issued with a pet adoption certificate before you can take out pet insurance.

2. Understand the subjective status of the person in the legal relationship of the insurance contract. China's law only has clear provisions on the beneficiary of the life insurance contract, but the pet keeper liability insurance is a kind of property insurance, and the beneficiary in the property insurance has not yet been recognized by the law, so it is more reasonable for the dog owner to be the policyholder or insured.

3. Read the insurance terms carefully before purchasing to understand the scope of exclusion. If the dog itself is sick, the dog bites its owner, family members or employees and causes losses, injuries or deaths with other animals, there is no "Dog License" or "Dog Immunization Certificate", or the accident caused by the attack or bite of a dog pet with the above documents expired, it is within the scope of the insurance company's exclusion and cannot be compensated.