囧. 发表于 2012-8-30 20:56
嘿嘿。
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:4 j+ {0 U1 U {
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 $ 6005 L/ G( F; j5 n' O5 s
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 crossbreeds8 X0 Q( P5 T4 b
2.) FreePuppy Insurance:
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
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:
Pet Planseems to providethe best value for money. There is a standard excess of
$ 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. * q4 N" R4 }( s
2.) The cheapest plans for cats and dogs areprovided by Ellenco
con88 发表于 2012-8-30 15:16
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 14:49
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。5 k4 e8 P; b N1 |, [# a
不 ...
囧. 发表于 2012-8-30 15:37: z& ^5 N) A% e% M
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。
可惜你家猫不能买保险啦。。。！
寂寞天堂 发表于 2012-8-30 20:430 y% r! p, }! ?+ r- S: q: r/ l
总结了这么多！总是这么热心的呢！1 b4 d7 e$ n! m1 ?# L
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
你上次那个是什么网站呢？可以和我说一下吗？
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