囧. 发表于 2012-8-30 20:56
嘿嘿。: m8 z+ j5 v* S
可惜你家猫不能买保险啦。。。！
看到很多人问保险的事，我总结了一下3家保险公司的价格。
现在有些价格涨了 具体价格情咨询保险公司
CATS/DOGS （左边的价格是猫，右边是狗。Select breeds除了pet plan公司 其余都要多收费的）
p.s 这些价格是2011年的，2012的价格可能每个月升了1块左右 具体价格请看他们公司的网站把
PET n SUR
SILVER $25.13/$31.75
GOLD $27.64/$37.24
PLATINUM $39.17/$46.82
SILVER $2500 SURGERY $1500 MEDICINE 30%EXCESS FEE （其实我不太了解这个excess fee是要给保险公司还是怎样不过我不推荐这家公司）
GOLD $4000 SURGERY $3000 MEDICINE 20% EXCESS FEE
PLATINUM $6000 SURGERY $3000 MEDICINE 15% EXCESS FEE
ELLENCO
BASE $15.18/$22.56 $4000 Rebate 70% （如果看了$100块的病 直接退给你$70.我是这样理解的)
ULTRA $21.98/$32.05 $6000 Rebate 80%
PREMIER $26.07/$37.21 $9000 Rebate 15%
PET PLAN （我最推荐的一家公司)
BUDGET $19.60/$34.95 $8000 $100 ONCE (一种类型的病 一年就只用给一次$100)
STANDARD $20.70/$39.15 $9000
SUPREME $25.20/$44.50 $12000
保险policy的一些小细节，也许有改动，具体请拨打保险公司电话
Specialsurgical problems and cancer: Pet Plan isthe only insurance to pay out the full annual allowance. All other insurancespay only a limited amount.
Cruciateligament surgery ->onlyPet Plan pays out full amount
Dentistry: Again Petplan pays out where the others don’t(the other insurance only pay for accidents, not for tooth root infection etc.
Patella surgery (kneecap) and Cancer treatment -> only PetPlan pay full amount
Blockages -> apart from Petnsure all otherinsurance pay for this condition in full
Inheritedconditions（遗传病） – Ellenco requires an extra premium to be paid for these (Ellenco每年多给$80块就可以包up to $1000 遗传病，最多可以包$4000,每加$1000就要多给$80一年。但是一定要一开始就买，之后不能加进去）
1.) Excess:
i. Minimumexcess: Pet Plan makes it easy and charges a standardone-off excess of $ 100/annum and condition. So once the animal is insured, thecost per problem is limited to $ 100 per year. This is by far the cheapestexcess for the larger vet bills.
ii. Percentageexcess: all other insurances charge the excess as apercentage (between 15% and 30%). So if the total bill is $ 2000, the excess isbetween $ 300 and $ 6002 y0 Q0 w! t* i7 v0 X F
iii. Ageexcess: There is no age excess with Ellenco, but Petnsure will raise the excess by an additional 15% once theanimal has reached the age of 10 years, Pet Plan even by 25 %
1.) SelectBreeds: PetPlan stands out as the select breeds cost the same as any other dog orcat. However the age excess with Pet Plan for select breeds which kicksin at 7 years of age, rather than at 10 years for the ‘normal’ breeds or crossbreeds
2.) FreePuppy Insurance: 7 C7 E% Q! t5 j' K+ g$ h5 Q9 S
a. Ellenco provides free, noobligation puppy insurance. You will receive a phone call at the end of thefree period to ask you to take out a policy" F- V$ L' M9 E/ O$ ^/ Y
b. Pet Plan also provides 4weeks free insurance cover, however you have to sign up with Pet Plan first.
6.) Lost pets – Pet Plan will also contributetowards the cost of finding a lost pet or will pay replacement costs if a pet dies due to an injury if you are on thestandard or supreme plans.
Conclusion:
- m Z- J+ R# W# I& z8 p- n' j. Y
Pet Planseems to providethe best value for money. There is a standard excess of . Q# b1 S6 M: L" N; I: s! v
$ 100 rather than a percentage and select-breedsdon’t cost extra. The maximum annual payout is around double of that of theother insurances. For all of this, the insurance premium is only slightly moreexpensive than the others.
2.) The cheapest plans for cats and dogs areprovided by Ellenco
con88 发表于 2012-8-30 15:16% ~0 V# {6 V/ N' {. t9 D9 I
好专业啊 总结的真心不错~~前几个月才买了保险 当时也是各种不懂 坛子里的大大们都推荐了ELLENCO 就买了 看 ...
Flyzgal 发表于 2012-8-30 14:492 A' h/ g- G6 ~! I( g. g
感谢！非常实用！昨天我还在纠结呢，比较之下真的是pet plan最好。明年把小狗的保险也换成pet plan。
不 ...
囧. 发表于 2012-8-30 15:370 n" a9 h: M8 N/ G' d
不是一年就只用给100块么？？不管看多少次病？？
寂寞天堂 发表于 2012-8-30 20:43
总结了这么多！总是这么热心的呢！
你告诉我的那个网站我那天买完东西，今天就收到了呢！真是又快又便宜呀 ...
囧. 发表于 2012-8-30 20:56
嘿嘿。: m8 z+ j5 v* S
可惜你家猫不能买保险啦。。。！
寂寞天堂 发表于 2012-8-30 20:43
总结了这么多！总是这么热心的呢！: q. \$ Q' t3 X. j5 Z
你告诉我的那个网站我那天买完东西，今天就收到了呢！真是又快又便宜呀 ...
doublejo 发表于 2012-8-31 18:11* p6 y2 L$ j; F3 A& {' t+ A$ c
你上次那个是什么网站呢？可以和我说一下吗？
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