2 Minute Guide To Pet Insurance 2分钟指南宠物保险

Article source: http://www.onlycredit.us/ . 文章来源： http://www.onlycredit.us/ 。 Used with author's permission. 用作者的许可。

Pets are an integral part of our lives.宠物的一个组成部分，我们的生活。 A pet often becomes like a member of the family.宠物往往成为像一个家庭成员。 When a beloved pet becomes ill, people often go into debt to pay for treatments.当心爱的宠物生病，人们往往进入债务支付治疗。 Unexpected expenses resulting from broken bones, swallowed objects or other injuries can quickly become expensive.意想不到的开支造成骨折，吞噬物体或其他受伤者能够快速成为昂贵。 More people are beginning to purchase pet insurance for their pets.越来越多的人开始购买宠物保险，他们的宠物。 A variety of plans are available to fit your needs.各种各样的计划是提供给符合您的需求。

The most basic plans cover injuries and accidents.最基本的计划涵盖伤害和意外。 These plans cover incidents such as car accidents, broken bones, burns, allergic reactions or injuries involving your pet ingesting foreign objects or poisons.这些计划涉及的事件，如车祸，骨折，烧伤，过敏反应或受伤，涉及你的宠物吃异物或毒药。 Such plans are relatively inexpensive, costing fewer than twenty dollars a month.这些计划是相对便宜，成本不到21美元一个月。 With most plans, you are limited to two claims per year.由于大多数的计划，你是只限于两件左右。 Basic accident plans don't cover expenses related to illness or disease.基本法事故计划不包括相关费用的疾病或疾病。

Slightly more expensive are plans that cover both accidents and illness.稍微更昂贵的计划，包括事故和疾病。 These cover diseases of most major body systems, cancer and infectious disease.这些疾病包括大多数主要机构系统，癌症和传染病。 The limits on coverage range from two to three thousand dollars or more, varying with the cost of the plan.限制的覆盖范围从2至3万美元或以上，随成本的计划。 Many of these plans offer added benefits such as accidental death coverage, which reimburses you the purchase price of your pet, if he or she accidentally dies during treatment.许多这些计划提供额外的好处，如意外死亡的报道，其中偿还你的买价你的宠物，如果他或她不小心在治疗过程中死亡。 Some plans offer to pay kennel fees for your pet if you are hospitalized and unable to care for your animal - this is an excellent added benefit.一些计划提出支付费用的狗窝您的宠物如果您正在住院，无法照顾好你的动物-这是一个很好的补充受益。

A few companies are now offering plans specifically for older dogs.一些公司正在计划推出专为老年人狗。 These plans are only slightly more expensive than those for other dogs.这些计划只是略有较昂贵的比其他狗。 The deductibles tend to be higher on these plans.该免赔额往往是高，这些计划。 Pet insurance plans for older dogs cover stroke, heart disease and cancer, which occur most often in the older dog.宠物保险计划为老年人支付犬中风，心脏病和癌症，其中最经常发生在老年人狗。 In order to receive benefits, you must have the insurance before your pet becomes ill.为了得到好处，您必须拥有保险之前，你的宠物生病。 If you suspect your pet is sick, don't waste your money on health insurance.如果你怀疑你的宠物生病了，不要浪费你的钱在医疗保险。 All plans for older dogs have health requirements and require a check up before the policy is issued.所有计划为老年人狗的健康要求，并要求检查前的政策是印发。 These health insurance plans offer euthanasia coverage in the event you would need to put your pet to sleep.这些健康保险计划提供安乐死的覆盖面在发生你将需要把你的宠物睡觉。

How much money you will save with pet insurance really depends on how often you need it.多少钱你会保存有宠物保险实际上取决于你如何往往需要。 Unless your dog is accident prone or becomes very ill, the premium may not be worth the expense.除非你的狗是事故易发或变得非常生病，保费可能不值得的代价。 Most policies have limits on treatment for cancer or other diseases, usually between two and three thousand dollars.大多数政策的限制，治疗癌症或其他疾病，通常是两三千美元。 Depending on the plan and the pet, you will spend between two and four thousand dollars for lifetime pet insurance coverage.根据该计划和宠物，你将花费两至4000美元，一生的宠物保险。 Comprehensive plans which cover check ups and vaccinations are the best deal in terms of saving money at every visit to the vet.综合计划覆盖检查企业和疫苗接种是最佳的处理方面的节约资金在每一个访问的审核。

When comparing pet insurance plans, don't look at the monthly premium alone.当比较宠物保险计划，不看每月仅溢价。 A lower premium can mask higher deductibles.较低的保费可掩盖高免赔额。 Read the plans carefully for information on deductibles and co payments.阅读仔细计划的信息自保额和共同支付。 Check the rates for your pet.检查率为您的宠物。 Some companies charge higher rates for certain dog breeds, older pets or pre existing medical conditions.一些公司收取较高的利率对某些犬种，老年人的宠物或前现有的医疗条件。 Read everything carefully and ask questions.一切都仔细阅读，并提问。 You want a policy that will be worth the money you spend in premiums.你要的政策，将是值得的钱你花的保费。

Remember, all insurance companies want to make money.别忘了，所有的保险公司想赚钱。 Plans are written to reduce the liability of the company and make a better profit.目前正计划减少书面责任公司，并作出更好的利润。 They stack the deck in their favor by excluding conditions typical in certain breeds.他们栈甲板上对他们有利条件，将其排除在某些典型的品种。 For example, many larger breed dogs are prone to hip dysphasia and certain disorders of the bones and joints, so many pet insurance plans list these ailments in the exclusions for the breeds most prone to the disorders.例如，许多较大的品种狗很容易髋关节吞咽困难和某些疾病的骨骼和关节，如此众多的宠物保险计划这些疾病的名单中排除的品种最容易的障碍。 If you have a breed that is prone to a particular illness and pet insurance won't cover the treatments it may not be worth the premium.如果您有一个品种是很容易某一特定疾病和宠物保险将不包括治疗可能不值得的溢价。 For the same reason, pre existing conditions are generally not covered and some plans require a check up with a vet to exclude these.出于同样的原因，前现有条件一般都没有涉及的一些计划和需要检查的兽医排除这些。

Print this page 打印此页