Public pet insurance in China mainly covers cats and dogs. Insurance for other pets is not extensive at the moment, and domestic insurance transactions are not very popular.
Pet insurance means that the policy holder pays insurance premiums for the insured pet in accordance with the collective agreement, and the protector is responsible for the damage or loss of the pet caused by the occurrence of an event that may occur as agreed in the contract, or A commercial insurance action that assumes the obligation to pay insurance benefits when the protected pet dies, becomes disabled, becomes ill, or reaches an agreed-upon age or expiration date.
Compared with overseas, pet insurance in China is not very popular, and it is even difficult to find an agency that can purchase insurance for pets. In fact, as the number of pet owners continues to decrease, pet insurance will inevitably have better results. 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 beneficiaries of pet insurance introduced in China are not dogs. Its main function is to help pet owners reduce their burden of responsibility. 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 protection 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 instigation of the insured person's dog to harm other people are not within the scope of 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 protection is much better, so there is a long way to go. This is the domestic pet protection system. Although it is pet protection, the beneficiaries are generally not dogs. Pet insurance in other countries is somewhat different. For example, in the United States, there are currently two main types of pet insurance: one is comprehensive insurance, including health and accident compensation. The other is a human-like conditioning guarantee. 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. And in addition to insurance companies, hospitals will also provide some insurance for pets, such as routine examinations, vaccinations, etc., as well as certain discounts on X-rays, blood tests, teeth cleaning, etc.
As for the protection of pets in the UK,Benefit sharing is also very good. If the owner of the pet becomes ill and is hospitalized, the additional terms of the policy also cover the pet's expenses while at home; once the pet dies, the owner's cost of purchasing a new pet is also included in the insurance liability of the additional terms. If the owner seeks comprehensive coverage, some insureds may pay for the pet's psychiatrist and psychotherapist for a special premium. Some sponsors even provide 24-hour service hotlines to provide communication services to grieving owners who have lost their beloved pets.
China’s pet protection will gradually develop and become more and more complete.
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