本帖最后由 囧. 于 2013-10-2 11:48 编辑 " ?0 `5 N5 x0 u1 y! P: j
' z( e( W) Y" q1 F4 v% B" y* h2 y" H
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 " z: D. `* T9 P+ T$ v& y
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
$ ], f2 x6 V+ X3 V/ |6 q
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:
6 N' G- `/ g- _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% r. I2 B9 S/ V% c/ j% W
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 crossbreeds7 Y# V- h" i: v2 |0 b
2.) FreePuppy Insurance:
5 `9 u( k% i) f( H( a8 h9 Ea. 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
' ~* K2 v5 w& S( F, D5 Cb. Pet Plan also provides 4weeks free insurance cover, however you have to sign up with Pet Plan first.
4 Z. h2 s) z! F/ p6.) 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:0 R" d# s ~. c; [* D1 t, T) W$ {" j" @5 K
Y& ~7 f/ J9 I6 P: o' |2 }Pet Planseems to providethe best value for money. There is a standard excess of
9 @) D: I; n/ N5 G8 Q+ ^- q$ 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.
) a2 P* ]; |5 |7 d7 c% p! y( T U/ Z5 w
2.) The cheapest plans for cats and dogs areprovided by Ellenco | 
发表于 2012-8-30 15:38:45
分享
收藏
