本帖最后由 囧. 于 2013-10-2 11:48 编辑
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$ A& }% \5 D1 f( |7 X) [8 `' x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
' I: C- Q2 z6 v+ z4 [9 s6 YCATS/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:% ]& D5 I7 C6 o% K
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
/ w' j2 e- J4 X4 V) O" G* ^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
0 S, v1 ~2 E1 e: |# T7 B/ W/ q, Y2.) FreePuppy Insurance: # t$ y8 f/ k) p! w* Y3 y( ~9 j
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
2 w5 ]3 r, ?$ |: @b. Pet Plan also provides 4weeks free insurance cover, however you have to sign up with Pet Plan first.
% N% V: Q6 v2 H2 n6 V" v% M, |8 M6.) 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:7 V( C* K" j- V9 O$ Z
5 I# I I7 |- Z! u$ @) F& m$ BPet Planseems to providethe best value for money. There is a standard excess of 0 E4 t2 }2 a- t# R6 l
$ 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 G2 s% ~6 r2.) The cheapest plans for cats and dogs areprovided by Ellenco | 
发表于 2012-8-30 15:38:45
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