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标题: 关于保险的一些资料 [打印本页]
作者: 囧.    时间: 2012-8-30 15:38:45     标题: 关于保险的一些资料

本帖最后由 囧. 于 2013-10-2 11:48 编辑
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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


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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


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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:7 u. O" X6 |- o: [0 T2 {5 S' D
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 $ 600
+ {6 A, j* N) _' O, niii.    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 crossbreeds6 a8 q! x& Y3 a
2.)    FreePuppy Insurance: $ T( Q" [6 m* Y! j; Y2 ^# O
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
& Q+ [% y, G1 B2 j3 G. Tb.    Pet Plan also provides 4weeks free insurance cover, however you have to sign up with Pet Plan first. : C4 g% u- Y1 t$ f0 d. z3 _
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:% y# U5 O& Q/ S6 t# Q  W

; D! L, ^, f# @+ l2 CPet Planseems to providethe best value for money. There is a standard excess of
+ K2 w: a7 i2 m/ _, a9 S" n9 u! z2 `$ 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.
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2.) The cheapest plans for cats and dogs areprovided by Ellenco

作者: Flyzgal    时间: 2012-8-30 15:49:10

本帖最后由 Flyzgal 于 2012-8-30 14:54 编辑
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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。
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不过看一次小病的话比如诊费90多块，用petplan就不划了，因为excess fee就要100, ellenco只要percentage.
作者: con88    时间: 2012-8-30 16:16:16

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 看了下你的比较帖 觉得明年是不是应该换一个 很不错 ! g$ U- t4 {" D3 a7 q
想无知的问下几个小白问题2 |7 D; Q6 q0 S: Q" ^
是不是长期购买一个保险公司的保险会有优惠呢 我的意思是第二年会比第一年便宜 这样一年比一年便宜？但是我看了除了ELLENCO都有个年龄的额外费用? 这个是啥意思。。。
作者: 囧.    时间: 2012-8-30 16:36:46

con88 发表于 2012-8-30 15:16; s5 c' q3 P; a. U
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 ...
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不是每年会有优惠。。不过第二只狗有优惠。。额外费用意思是超过7岁或者10岁费用会增加。
作者: 囧.    时间: 2012-8-30 16:37:41

Flyzgal 发表于 2012-8-30 14:49+ [- ~; W  d4 ?" b/ k
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。+ ?. j) T/ j/ z( F
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不 ...
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不是一年就只用给100块么？？不管看多少次病？？
作者: simonhe    时间: 2012-8-30 19:19:25

辛苦了  顶
作者: Flyzgal    时间: 2012-8-30 21:25:00

囧. 发表于 2012-8-30 15:37
: B; l  t- w0 L/ C不是一年就只用给100块么？？不管看多少次病？？
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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.
: b) J0 U4 x; B: |! P应该说一年内看同一种病只要100。如果看不同的病，每种病都要付100啦。
作者: 寂寞天堂    时间: 2012-8-30 21:43:44

总结了这么多！总是这么热心的呢！
" ^* p' r# }. P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！
作者: 囧.    时间: 2012-8-30 21:56:48

寂寞天堂 发表于 2012-8-30 20:434 @0 N' Q, J4 G' K7 H% \
总结了这么多！总是这么热心的呢！
) a! D1 M9 o! U9 W9 o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 ...

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可惜你家猫不能买保险啦。。。！
作者: Flyzgal    时间: 2012-8-31 09:56:12

本帖最后由 Flyzgal 于 2012-8-31 08:56 编辑 7 T" a% ~: o. B3 j+ I9 V7 B

) `# h$ z7 g/ ]2 \$ U今天收到Petplan有关Claim的email了 - 看不同的病每次都要claim一次...
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& L6 N- s) ]7 i* |We require a separate claim form per treating vet and per condition.' ?4 ~1 ^% ^- v* i: U

  G% L+ m( k  H3 m5 e0 LIf your dog was to get an eye infection and you went to the after hours vet but then had follow up treatment at your regular vet we would require a separate claim for each clinic.; K3 p1 H2 V3 n1 J$ I" N

: h' Y& S5 r3 X- tAlso, if your dog was to suffer a broken leg one week and then have a gastro bug the next and you went to your regular vet both times we would require a separate claim form for each condition.+ [3 z0 j! b3 @8 L! V$ L
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The only time we will accept a claim form for two or more conditions would be if both lots of treatments occurred in the same consultation.
作者: 寂寞天堂    时间: 2012-8-31 16:02:22

囧. 发表于 2012-8-30 20:56 ) S( g$ w& q3 }2 P
嘿嘿。4 s+ c  j' m) f& |+ \
可惜你家猫不能买保险啦。。。！

4 A8 o5 p$ U/ A; O  ^那也没办法啦，我就尽我所能的好好照顾他，让他能安度晚年就好了！
作者: doublejo    时间: 2012-8-31 19:11:55

寂寞天堂 发表于 2012-8-30 20:43 ) N& E) D5 _4 q7 d3 }
总结了这么多！总是这么热心的呢！( \# i3 M/ m, O0 P- d
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 ...
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你上次那个是什么网站呢？可以和我说一下吗？
作者: 囧.    时间: 2012-8-31 20:27:11

doublejo 发表于 2012-8-31 18:11
& F. g- c9 G# |  R! f你上次那个是什么网站呢？可以和我说一下吗？
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Myvet.Co.nz



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