<p>, /PRNewswire/ -- FreeAdvice.com 最近发布了一份报告，列出了九大宠物保险公司。</p>
<p>该名单上的第一家公司是 Healthy Paws。Healthy Paws 提供多个保障级别，没有年度限额，并且为投保多只宠物的客户提供折扣。</p>
<p>继续阅读</p>
<p><strong>顶级宠物保险公司</strong></p>
<p>根据 FreeAdvice.com 的数据，九大宠物保险公司如下：</p>
<ul>
<li>Healthy Paws</li>
<li>Trupanion</li>
<li>Nationwide</li>
<li>Pets Best</li>
<li>Embrace</li>
<li>Figo</li>
<li>Liberty Mutual</li>
<li>ASPCA</li>
<li>Pumpkin</li>
</ul>
<p>Healthy Paws 在投保多只宠物时提供 10% 的折扣。投保人可以根据预算选择 70% 到 90% 的报销比例。免赔额选项起始为仅 $100。</p>
<p>Trupanion 在所有计划中提供 90% 的报销率。投保人常常提到的一个好处是，Trupanion 会直接支付给兽医诊所。大多数竞争对手要求投保人先支付兽医账单，然后再向保险公司申请报销。</p>
<p>Nationwide 是一家受欢迎的家庭和汽车保险提供商，向将宠物保险与家庭或汽车保险捆绑的宠物主人提供折扣。另一个好处是 Nationwide 提供健康保障。一个缺点是每年限额为 $1,000。</p>
<p><strong>猫与狗的宠物保险</strong></p>
<p>一般来说，猫的保险费用低于狗。猫的统计风险低于狗，因此保险费用也较低。大多数猫都待在室内，这大大降低了意外事故的风险。</p>
<p>猫的保险费用在每月 $20 到 $35 之间，而狗的保险费用在每月 $35 到 $55 之间。</p>
<p><strong>年龄和品种如何影响保险费率</strong></p>
<p>根据 FreeAdvice.com 的保险专家 Melanie Musson 的说法，宠物年龄越大，申请索赔的风险就越高。她表示：“宠物主人应该准备为一只 10 岁的宠物支付大约两倍于 2 岁时的保费。”</p>
<p>某些犬种面临更高的特定健康问题风险。因此，保险提供商通常会将高风险状况排除在某些犬种的保单之外。或者，一些保险公司由于风险增加而对特定犬种收取更高的保费，但不会排除健康状况的保障。</p>
<p>在这里阅读 FreeAdvice.com 的完整报告：9 大最佳宠物保险公司（高额兽医费用赔付）。</p>
<p>来源 FreeAdvice.com</p>
<p><img src="https://imageproxy.pbkrs.com/https://rt.prnewswire.com/rt.gif/query-RGF0ZUlkPTIwMjUxMjAxJk5ld3NJdGVtSWQ9RkwzNjA5NCZUcmFuc21pc3Npb25fSWQ9MjAyNTEyMDExMTU5UFJfTkVXU19VU1BSX19fX19GTDM2MDk0?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://rt.prnewswire.com/rt.gif/query-RGF0ZUlkPTIwMjUxMjAxJk5ld3NJdGVtSWQ9RkwzNjA5NCZUcmFuc21pc3Npb25fSWQ9MjAyNTEyMDExMTU5UFJfTkVXU19VU1BSX19fX19GTDM2MDk0"/></p>

TRUP

<p>FreeAdvice.com 发布了一份报告，列出了前九大宠物保险公司，其中 Healthy Paws 排名第一。Healthy Paws 提供多个保障级别，没有年度限额，并且为投保多只宠物提供折扣。Trupanion 提供 90% 的报销率，并直接向兽医诊所付款。Nationwide 提供与家庭或汽车保险捆绑时的折扣。宠物保险费用因宠物类型、年龄和品种而异，通常猫的保险费用低于狗。年长宠物和某些犬种可能因风险增加而产生更高的保费</p>

<p>, /PRNewswire/ -- FreeAdvice.com recently published a report naming the top 9 pet insurance companies.</p>
<div class="lb-trans"><p>, /PRNewswire/ -- FreeAdvice.com 最近发布了一份报告，列出了九大宠物保险公司。</p>
</div><p>The number one company on its list is Healthy Paws. Healthy Paws has several coverage levels, no annual limit, and a discount for insuring multiple pets.</p>
<div class="lb-trans"><p>该名单上的第一家公司是 Healthy Paws。Healthy Paws 提供多个保障级别，没有年度限额，并且为投保多只宠物的客户提供折扣。</p>
</div><p>Continue Reading</p>
<div class="lb-trans"><p>继续阅读</p>
</div><p><strong>Top Pet Insurance Companies</strong></p>
<div class="lb-trans"><p><strong>顶级宠物保险公司</strong></p>
</div><p>The top nine pet insurers, according to FreeAdvice.com, are as follows:</p>
<div class="lb-trans"><p>根据 FreeAdvice.com 的数据，九大宠物保险公司如下：</p>
</div><ul>
<li>Healthy Paws</li>
<li>Trupanion</li>
<li>Nationwide</li>
<li>Pets Best</li>
<li>Embrace</li>
<li>Figo</li>
<li>Liberty Mutual</li>
<li>ASPCA</li>
<li>Pumpkin</li>
</ul>
<div class="lb-trans"><ul>
<li>Healthy Paws</li>
<li>Trupanion</li>
<li>Nationwide</li>
<li>Pets Best</li>
<li>Embrace</li>
<li>Figo</li>
<li>Liberty Mutual</li>
<li>ASPCA</li>
<li>Pumpkin</li>
</ul>
</div><p>Healthy Paws offers a 10% discount when a policyholder insures more than one pet. Policyholders can choose from 70% reimbursement to 90% reimbursement, depending on their budget. Deductible options start at just $100.</p>
<div class="lb-trans"><p>Healthy Paws 在投保多只宠物时提供 10% 的折扣。投保人可以根据预算选择 70% 到 90% 的报销比例。免赔额选项起始为仅 $100。</p>
</div><p>Trupanion has a 90% reimbursement rate across all plans. One of the benefits policyholders often cite is that Trupanion will pay the veterinary clinic directly. Most competitors require the policyholder to pay for veterinary bills and then request reimbursement from the insurer.</p>
<div class="lb-trans"><p>Trupanion 在所有计划中提供 90% 的报销率。投保人常常提到的一个好处是，Trupanion 会直接支付给兽医诊所。大多数竞争对手要求投保人先支付兽医账单，然后再向保险公司申请报销。</p>
</div><p>Nationwide is a popular home and car insurance provider, and it offers a discount to pet owners who bundle a pet policy with home or auto coverage. Another perk is that Nationwide offers wellness coverage. One downside is the $1,000 annual limit.</p>
<div class="lb-trans"><p>Nationwide 是一家受欢迎的家庭和汽车保险提供商，向将宠物保险与家庭或汽车保险捆绑的宠物主人提供折扣。另一个好处是 Nationwide 提供健康保障。一个缺点是每年限额为 $1,000。</p>
</div><p><strong>Pet Insurance for Cats vs. Dogs</strong></p>
<div class="lb-trans"><p><strong>猫与狗的宠物保险</strong></p>
</div><p>In general, cats are less expensive to insure than dogs. Cats pose a lower statistical risk than dogs, so the cost to insure them is lower. Most cats stay inside, which drastically reduces the risk of accidents.</p>
<div class="lb-trans"><p>一般来说，猫的保险费用低于狗。猫的统计风险低于狗，因此保险费用也较低。大多数猫都待在室内，这大大降低了意外事故的风险。</p>
</div><p>Policies for cats cost between $20 and $35 a month, while policies for dogs cost between $35 and $55 per month.</p>
<div class="lb-trans"><p>猫的保险费用在每月 $20 到 $35 之间，而狗的保险费用在每月 $35 到 $55 之间。</p>
</div><p><strong>How Age &amp; Breed Affect Rates</strong></p>
<div class="lb-trans"><p><strong>年龄和品种如何影响保险费率</strong></p>
</div><p>According to FreeAdvice.com's insurance expert, Melanie Musson, the risk of needing to file a claim for a pet increases as the pet ages. She says, &#34;Pet owners should be prepared to spend about twice as much for a policy for a 10-year-old as they did for that same pet at two years old.&#34;</p>
<div class="lb-trans"><p>根据 FreeAdvice.com 的保险专家 Melanie Musson 的说法，宠物年龄越大，申请索赔的风险就越高。她表示：“宠物主人应该准备为一只 10 岁的宠物支付大约两倍于 2 岁时的保费。”</p>
</div><p>Some dog breeds have a higher risk of certain health conditions. Because of that, insurance providers often exclude high-risk conditions from policies for certain breeds. Alternatively, some insurers charge higher premiums for specific breeds due to increased risk, but they don't exclude coverage for health conditions.</p>
<div class="lb-trans"><p>某些犬种面临更高的特定健康问题风险。因此，保险提供商通常会将高风险状况排除在某些犬种的保单之外。或者，一些保险公司由于风险增加而对特定犬种收取更高的保费，但不会排除健康状况的保障。</p>
</div><p>Read FreeAdvice.com's entire report here: 9 Best Pet Insurance Companies (High Payouts for Vet Costs).</p>
<div class="lb-trans"><p>在这里阅读 FreeAdvice.com 的完整报告：9 大最佳宠物保险公司（高额兽医费用赔付）。</p>
</div><p>SOURCE FreeAdvice.com</p>
<div class="lb-trans"><p>来源 FreeAdvice.com</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://rt.prnewswire.com/rt.gif/query-RGF0ZUlkPTIwMjUxMjAxJk5ld3NJdGVtSWQ9RkwzNjA5NCZUcmFuc21pc3Npb25fSWQ9MjAyNTEyMDExMTU5UFJfTkVXU19VU1BSX19fX19GTDM2MDk0" alt="" original-src="https://rt.prnewswire.com/rt.gif?NewsItemId=FL36094&amp;Transmission_Id=202512011159PR_NEWS_USPR_____FL36094&amp;DateId=20251201"/></p>

11:59 ET 9 家最佳宠物保险提供商（赔付最高！）