<p><em>数据驱动的视角，探讨了塑造 2025 年狗、猫及其主人的宠物趋势、成本和护理模式</em></p>
<p>, /PRNewswire/ -- 每年都为宠物健康和家庭在意外问题出现时面临的真实成本提供新的快照。Spot Pet Insurance 的 2025 年总结报告基于数十万份索赔，揭示了宠物受伤的方式、疾病模式的变化、哪些州的成本上升，以及哪些品种的费用最高和最低。</p>
<p>这些数据还强化了一个更广泛的趋势。越来越多的雇主提供宠物保险，这表明人们对宠物作为家庭一部分的认识在上升。今年的报告突出了行为、兽医定价和保障模式的显著变化。以下是 2025 年突出发现的详细分析。</p>
<p><strong>定义 2025 年的索赔趋势</strong></p>
<p>Spot 今年处理了各种事故和疾病索赔。我们还覆盖了大量的微芯片程序。</p>
<p>2025 年，有超过 12,600 名保单持有人提交了微芯片植入的索赔，这进一步证明了负责任的宠物拥有量的持续增长。</p>
<p>‘事故索赔显示出熟悉的模式。跛行、骨折、眼部受伤和牙齿问题仍然是最常见的事故。疾病索赔集中在胃部问题、过敏、尿道和生殖系统疾病、皮肤问题以及呼吸系统疾病。这些类别对家庭的财务负担真实而沉重。</p>
<ul>
<li>平均索赔成本上升至 456 美元，较前一年的 439 美元有所增加</li>
<li>一次疾病的最高报销达到了 34,917 美元</li>
<li>最大的事故报销达到了 16,390 美元</li>
<li>7 月的索赔数量最高，共提交了 77,612 个案例，主要是由于户外活动、旅行和与高温相关的并发症。</li>
</ul>
<p>还有一个显著的变化。</p>
<p>新宠物的平均登记年龄从 2024 年的 3.6 岁降至 2025 年的 3.2 岁。这一下降反映了登记年龄减少了 11%，这表明主人在宠物生命周期的早期就寻求保障。</p>
<p><strong>各州索赔成本变化</strong></p>
<p>兽医服务的价格持续上涨。美国劳工统计局报告称，从 2023 年 5 月到 2024 年 5 月，兽医服务成本上涨了 7%，而一些州在 2025 年则出现了更大的波动。</p>
<p>索赔成本平均上涨幅度最大的州和地区包括南卡罗来纳州、华盛顿特区、堪萨斯州、北达科他州和爱达荷州。爱达荷州以 20% 的年增长率位居榜首。</p>
<p>一些州则出现了相反的趋势。德克萨斯州、阿拉斯加州和密西西比州的平均索赔成本均出现了显著下降，其中德克萨斯州下降了 24%。</p>
<p><strong>犬猫品种的洞察</strong></p>
<p>Spot 分析了数百个品种，以确定哪些品种的保险成本最高和最低。结果显示，由遗传、体型和特定品种风险因素驱动的显著差异。</p>
<p><strong>保险成本最高的 10 种犬类品种 *</strong></p>
<ul>
<li>Wetter hound</li>
<li>Schiller Hound</li>
<li>Puli</li>
<li>American Alsatian</li>
<li>Spanish Water Dog</li>
<li>Azawakh Hound</li>
<li>Komondor</li>
<li>Saluki</li>
<li>Kuvasz</li>
<li>Dogue De Bordeaux</li>
</ul>
<p><strong>保险成本最低的 10 种犬类品种 *</strong></p>
<ul>
<li>Olde Boston Bulldogge</li>
<li>Entlebucher Mountain Dog</li>
<li>Poitevin</li>
<li>Scottish Terrier Mix</li>
<li>Stabyhoun</li>
<li>Great Bernese</li>
<li>Ainu Dog</li>
<li>American Water Spaniel</li>
<li>Briard</li>
<li>Mudi</li>
</ul>
<p><strong>最常见的犬类保险品种 *</strong></p>
<ul>
<li>French Bulldog</li>
<li>Golden Retriever</li>
<li>Labrador Retriever</li>
<li>Shih Tzu</li>
<li>Goldendoodle</li>
<li>German Shepherd</li>
</ul>
<p><strong>保险成本最高的 10 种猫类品种 *</strong></p>
<ul>
<li>Chinchilla</li>
<li>Pixie Bob</li>
<li>Khao Manee</li>
<li>European Burmese</li>
<li>Exotic Shorthair</li>
<li>Sphynx</li>
<li>Persian</li>
<li>Balinese</li>
<li>Oriental</li>
<li>LaPerm</li>
</ul>
<p><strong>保险成本最低的 10 种猫类品种 *</strong></p>
<ul>
<li>Pinto</li>
<li>Singapura</li>
<li>Minskin</li>
<li>Highland Lynx</li>
<li>American Bobtail</li>
<li>Colorpoint Shorthair</li>
<li>Bombay</li>
<li>American Longhair</li>
<li>American Shorthair</li>
<li>Chartreux</li>
</ul>
<p><strong>最常见的猫类保险品种 *</strong></p>
<ul>
<li>Mixed Cat</li>
<li>American Shorthair</li>
<li>Siamese</li>
<li>Ragdoll</li>
<li>Maine Coon</li>
<li>Bombay</li>
<li>Russian Blue</li>
</ul>
<p><strong>2025 年最受欢迎的宠物名字</strong></p>
<p>宠物名字的选择保持稳定，顶部有小幅变化。Milo 以 1,735 只宠物占据男性名字的第一位。</p>
<p>Max、Charlie、Teddy、Leo、Oliver、Rocky、Cooper、Buddy 和 Loki 组成了前十名。</p>
<p>Luna 在女性类别中以 3,187 只宠物占据主导地位。</p>
<p>Bella、Daisy、Lucy、Nala、Coco、Willow、Lola、Stella 和 Nova 完成了名单。这些选择反映了熟悉的主题。主人们继续倾向于选择温暖、亲切和人性化的名字。</p>
<p><strong>宠物保险在职场中的增长</strong></p>
<p>2025 年的一个主要趋势来自雇主方面。</p>
<p>在 2024 年 11 月至 2025 年 11 月之间，提供 Spot 宠物保险计划作为员工福利的公司数量增加了 57%。</p>
<p>员工对宠物保障的需求持续上升，受到成本波动和宠物在日常生活中情感重要性的推动。</p>
<p><strong>信任、速度和经验</strong></p>
<p>Spot 以 4.7 的 Trustpilot 信任评分结束了 2025 年，共有 9,583 条评论。其中超过 8,000 条评论为五星好评。索赔处理效率高，平均周转时间为三天，而自动化的健康和常规护理索赔平均为 1.5 天。</p>
<p><strong>总结 2025 年</strong></p>
<p>宠物健康成本持续上升，但主人们在早期登记和保障方面变得更加聪明。品种和年龄因素驱动着可预测的成本变化。季节性趋势依然强劲。雇主们正在提供支持员工及其宠物的福利。在这一切中，Spot 继续快速处理索赔，并在大规模上保持客户信任。</p>
<p><strong>来源</strong></p>
<ul>
<li>基于 2025 年 Spot Pet Insurance Services, LLC 的索赔数据。索赔报销示例仅供参考，基于当前的行政索赔数据。报销金额可能因计划选择（如年度限额、共同保险和免赔额）以及索赔的具体情况而有所不同。实际报销受您的保单条款的限制，包括排除条款和等待期。有关详细信息，请参阅您的保单文件。</li>
</ul>
<ol>
<li>Kohler, Judith. &#34;随着兽医费用上升，人们在照顾宠物的高成本中挣扎。&#34; <em>丹佛邮报</em>，2024 年 6 月 20 日，<strong>www.denverpost.com/2024/06/20/pet-owners-insurance-cats-dogs-veterinarians/</strong>。</li>
</ol>
<p>Spot Pet Insurance 的独立付费广告。</p>
<p>可能适用等待期、年度免赔额、共同保险、福利限额和排除条款。有关所有条款，请访问 spotpetins.com/sample-policy。产品、时间表、折扣和费率可能会有所不同，并且可能会随时更改。更多信息请在结账时查看。</p>
<p>保险计划由 Independence American Insurance Company（NAIC #26581，位于亚利桑那州斯科茨代尔市斯科茨代尔路 11333 号 160 套房）或 United States Fire Insurance Company（NAIC #21113，位于新泽西州莫里斯敦）承保，并由 Spot Pet Insurance Services, LLC（NPN #19246385，位于佛罗里达州迈阿密比斯坎大道 990 号 603 套房，CA 许可证#6000188）提供。</p>
<p>来源：Spot Pet Insurance</p>
<p><img src="https://imageproxy.pbkrs.com/https://rt.prnewswire.com/rt.gif/query-RGF0ZUlkPTIwMjUxMjAxJk5ld3NJdGVtSWQ9Q0czNjI0MiZUcmFuc21pc3Npb25fSWQ9MjAyNTEyMDExMzMzUFJfTkVXU19VU1BSX19fX19DRzM2MjQy?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-RGF0ZUlkPTIwMjUxMjAxJk5ld3NJdGVtSWQ9Q0czNjI0MiZUcmFuc21pc3Npb25fSWQ9MjAyNTEyMDExMzMzUFJfTkVXU19VU1BSX19fX19DRzM2MjQy"/></p>

PETS

<p>Spot Pet Insurance 发布了其《2025 年总结》报告，重点介绍了宠物健康趋势、费用和护理模式。主要发现包括兽医服务费用上升、雇主提供的宠物保险增加以及宠物登记年龄的变化。报告还详细列出了特定品种的保险费用和流行的宠物名字。平均索赔费用上升至 456 美元，南卡罗来纳州、华盛顿特区、堪萨斯州、北达科他州和爱达荷州的费用显著增加。德克萨斯州、阿拉斯加州和密西西比州则出现下降。报告强调了宠物作为家庭成员的日益认可</p>

<p><em>A data-driven look at the pet trends, costs, and care patterns that shaped the year for dogs, cats, and their owners</em></p>
<div class="lb-trans"><p><em>数据驱动的视角，探讨了塑造 2025 年狗、猫及其主人的宠物趋势、成本和护理模式</em></p>
</div><p>, /PRNewswire/ -- Every year brings a new snapshot of pet health and the real costs that families face when unexpected issues arise. Spot Pet Insurance's 2025 Wrapped report draws from hundreds of thousands of claims to reveal how pets are getting hurt, how illness patterns shift, which states see rising costs, and what breeds drive the highest and lowest expenses.</p>
<div class="lb-trans"><p>, /PRNewswire/ -- 每年都为宠物健康和家庭在意外问题出现时面临的真实成本提供新的快照。Spot Pet Insurance 的 2025 年总结报告基于数十万份索赔，揭示了宠物受伤的方式、疾病模式的变化、哪些州的成本上升，以及哪些品种的费用最高和最低。</p>
</div><p>The data also reinforces a broader trend. More employers are offering pet insurance, which signals rising recognition that pets are part of the family. This year's report highlights meaningful shifts in behavior, veterinary pricing, and coverage patterns. Below is a detailed look at the standout findings from 2025.</p>
<div class="lb-trans"><p>这些数据还强化了一个更广泛的趋势。越来越多的雇主提供宠物保险，这表明人们对宠物作为家庭一部分的认识在上升。今年的报告突出了行为、兽医定价和保障模式的显著变化。以下是 2025 年突出发现的详细分析。</p>
</div><p><strong>Claims trends that defined 2025</strong></p>
<div class="lb-trans"><p><strong>定义 2025 年的索赔趋势</strong></p>
</div><p>Spot processed a wide range of accident and illness claims this year. We also covered a significant volume of microchip procedures.</p>
<div class="lb-trans"><p>Spot 今年处理了各种事故和疾病索赔。我们还覆盖了大量的微芯片程序。</p>
</div><p>More than 12,600 policyholders submitted claims for microchip implantation in 2025*, which reinforces the continued growth in responsible pet ownership.</p>
<div class="lb-trans"><p>2025 年，有超过 12,600 名保单持有人提交了微芯片植入的索赔，这进一步证明了负责任的宠物拥有量的持续增长。</p>
</div><p>'Accident claims showed familiar patterns. Lameness, fractures, eye injuries, and dental issues continued to be the most common accidents. Illness claims centered on stomach trouble, allergies, urinary and reproductive disorders, skin issues, and respiratory conditions. These categories carried real financial weight for families.</p>
<div class="lb-trans"><p>‘事故索赔显示出熟悉的模式。跛行、骨折、眼部受伤和牙齿问题仍然是最常见的事故。疾病索赔集中在胃部问题、过敏、尿道和生殖系统疾病、皮肤问题以及呼吸系统疾病。这些类别对家庭的财务负担真实而沉重。</p>
</div><ul>
<li>The average claim cost rose to 456 dollars, up from 439 dollars the year prior*</li>
<li>The highest single reimbursement for an illness reached 34,917 dollars*</li>
<li>The largest accident reimbursement reached 16,390 dollars*</li>
<li>July saw the highest volume of claims with 77,612 submitted cases*, driven by outdoor activity, travel, and heat-related complications.</li>
</ul>
<div class="lb-trans"><ul>
<li>平均索赔成本上升至 456 美元，较前一年的 439 美元有所增加</li>
<li>一次疾病的最高报销达到了 34,917 美元</li>
<li>最大的事故报销达到了 16,390 美元</li>
<li>7 月的索赔数量最高，共提交了 77,612 个案例，主要是由于户外活动、旅行和与高温相关的并发症。</li>
</ul>
</div><p>One other notable shift stood out.</p>
<div class="lb-trans"><p>还有一个显著的变化。</p>
</div><p>The average age of new pets at enrollment fell from 3.6 years in 2024 to 3.2 years in 2025*. That drop reflects an 11 percent decrease in age at enrollment, which suggests owners are seeking coverage earlier in their pet's life cycle.</p>
<div class="lb-trans"><p>新宠物的平均登记年龄从 2024 年的 3.6 岁降至 2025 年的 3.2 岁。这一下降反映了登记年龄减少了 11%，这表明主人在宠物生命周期的早期就寻求保障。</p>
</div><p><strong>State-by-state claim cost changes</strong></p>
<div class="lb-trans"><p><strong>各州索赔成本变化</strong></p>
</div><p>Veterinary services continue to rise in price. The Bureau of Labor Statistics reported a 7 percent increase in vet service costs from May 2023 to May 20241, and some states saw sharper movement in 2025.</p>
<div class="lb-trans"><p>兽医服务的价格持续上涨。美国劳工统计局报告称，从 2023 年 5 月到 2024 年 5 月，兽医服务成本上涨了 7%，而一些州在 2025 年则出现了更大的波动。</p>
</div><p>The states and areas with the highest jumps in average claim cost were South Carolina, Washington DC, Kansas, North Dakota, and Idaho. Idaho topped the list with a 20 percent year-over-year increase*.</p>
<div class="lb-trans"><p>索赔成本平均上涨幅度最大的州和地区包括南卡罗来纳州、华盛顿特区、堪萨斯州、北达科他州和爱达荷州。爱达荷州以 20% 的年增长率位居榜首。</p>
</div><p>A few states moved in the opposite direction. Texas, Alaska, and Mississippi each saw meaningful decreases in average claim costs, with Texas dropping by 24 percent*.</p>
<div class="lb-trans"><p>一些州则出现了相反的趋势。德克萨斯州、阿拉斯加州和密西西比州的平均索赔成本均出现了显著下降，其中德克萨斯州下降了 24%。</p>
</div><p><strong>Breed insights across dogs and cats</strong></p>
<div class="lb-trans"><p><strong>犬猫品种的洞察</strong></p>
</div><p>Spot analyzed hundreds of breeds to determine which ones bring the highest and lowest insurance costs. The results show considerable variation driven by genetics, size, and breed-specific risk factors.</p>
<div class="lb-trans"><p>Spot 分析了数百个品种，以确定哪些品种的保险成本最高和最低。结果显示，由遗传、体型和特定品种风险因素驱动的显著差异。</p>
</div><p><strong>The 10 most expensive dog breeds to insure*</strong></p>
<div class="lb-trans"><p><strong>保险成本最高的 10 种犬类品种 *</strong></p>
</div><ul>
<li>Wetter hound</li>
<li>Schiller Hound</li>
<li>Puli</li>
<li>American Alsatian</li>
<li>Spanish Water Dog</li>
<li>Azawakh Hound</li>
<li>Komondor</li>
<li>Saluki</li>
<li>Kuvasz</li>
<li>Dogue De Bordeaux</li>
</ul>
<div class="lb-trans"><ul>
<li>Wetter hound</li>
<li>Schiller Hound</li>
<li>Puli</li>
<li>American Alsatian</li>
<li>Spanish Water Dog</li>
<li>Azawakh Hound</li>
<li>Komondor</li>
<li>Saluki</li>
<li>Kuvasz</li>
<li>Dogue De Bordeaux</li>
</ul>
</div><p><strong>The 10 least expensive dog breeds to insure*</strong></p>
<div class="lb-trans"><p><strong>保险成本最低的 10 种犬类品种 *</strong></p>
</div><ul>
<li>Olde Boston Bulldogge</li>
<li>Entlebucher Mountain Dog</li>
<li>Poitevin</li>
<li>Scottish Terrier Mix</li>
<li>Stabyhoun</li>
<li>Great Bernese</li>
<li>Ainu Dog</li>
<li>American Water Spaniel</li>
<li>Briard</li>
<li>Mudi</li>
</ul>
<div class="lb-trans"><ul>
<li>Olde Boston Bulldogge</li>
<li>Entlebucher Mountain Dog</li>
<li>Poitevin</li>
<li>Scottish Terrier Mix</li>
<li>Stabyhoun</li>
<li>Great Bernese</li>
<li>Ainu Dog</li>
<li>American Water Spaniel</li>
<li>Briard</li>
<li>Mudi</li>
</ul>
</div><p><strong>The most commonly insured dog breeds*</strong></p>
<div class="lb-trans"><p><strong>最常见的犬类保险品种 *</strong></p>
</div><ul>
<li>French Bulldog</li>
<li>Golden Retriever</li>
<li>Labrador Retriever</li>
<li>Shih Tzu</li>
<li>Goldendoodle</li>
<li>German Shepherd</li>
</ul>
<div class="lb-trans"><ul>
<li>French Bulldog</li>
<li>Golden Retriever</li>
<li>Labrador Retriever</li>
<li>Shih Tzu</li>
<li>Goldendoodle</li>
<li>German Shepherd</li>
</ul>
</div><p><strong>The 10 most expensive cat breeds to insure*</strong></p>
<div class="lb-trans"><p><strong>保险成本最高的 10 种猫类品种 *</strong></p>
</div><ul>
<li>Chinchilla</li>
<li>Pixie Bob</li>
<li>Khao Manee</li>
<li>European Burmese</li>
<li>Exotic Shorthair</li>
<li>Sphynx</li>
<li>Persian</li>
<li>Balinese</li>
<li>Oriental</li>
<li>LaPerm</li>
</ul>
<div class="lb-trans"><ul>
<li>Chinchilla</li>
<li>Pixie Bob</li>
<li>Khao Manee</li>
<li>European Burmese</li>
<li>Exotic Shorthair</li>
<li>Sphynx</li>
<li>Persian</li>
<li>Balinese</li>
<li>Oriental</li>
<li>LaPerm</li>
</ul>
</div><p><strong>The 10 least expensive cat breeds to insure*</strong></p>
<div class="lb-trans"><p><strong>保险成本最低的 10 种猫类品种 *</strong></p>
</div><ul>
<li>Pinto</li>
<li>Singapura</li>
<li>Minskin</li>
<li>Highland Lynx</li>
<li>American Bobtail</li>
<li>Colorpoint Shorthair</li>
<li>Bombay</li>
<li>American Longhair</li>
<li>American Shorthair</li>
<li>Chartreux</li>
</ul>
<div class="lb-trans"><ul>
<li>Pinto</li>
<li>Singapura</li>
<li>Minskin</li>
<li>Highland Lynx</li>
<li>American Bobtail</li>
<li>Colorpoint Shorthair</li>
<li>Bombay</li>
<li>American Longhair</li>
<li>American Shorthair</li>
<li>Chartreux</li>
</ul>
</div><p><strong>The most commonly insured cat breeds*</strong></p>
<div class="lb-trans"><p><strong>最常见的猫类保险品种 *</strong></p>
</div><ul>
<li>Mixed Cat</li>
<li>American Shorthair</li>
<li>Siamese</li>
<li>Ragdoll</li>
<li>Maine Coon</li>
<li>Bombay</li>
<li>Russian Blue</li>
</ul>
<div class="lb-trans"><ul>
<li>Mixed Cat</li>
<li>American Shorthair</li>
<li>Siamese</li>
<li>Ragdoll</li>
<li>Maine Coon</li>
<li>Bombay</li>
<li>Russian Blue</li>
</ul>
</div><p><strong>The most popular pet names of 2025</strong></p>
<div class="lb-trans"><p><strong>2025 年最受欢迎的宠物名字</strong></p>
</div><p>Pet name choices remained steady with small shifts at the top. Milo claimed the number one male spot with 1,735 pets*.</p>
<div class="lb-trans"><p>宠物名字的选择保持稳定，顶部有小幅变化。Milo 以 1,735 只宠物占据男性名字的第一位。</p>
</div><p>Max, Charlie, Teddy, Leo, Oliver, Rocky, Cooper, Buddy, and Loki rounded out the top group.</p>
<div class="lb-trans"><p>Max、Charlie、Teddy、Leo、Oliver、Rocky、Cooper、Buddy 和 Loki 组成了前十名。</p>
</div><p>Luna dominated the female category with 3,187 pets*.</p>
<div class="lb-trans"><p>Luna 在女性类别中以 3,187 只宠物占据主导地位。</p>
</div><p>Bella, Daisy, Lucy, Nala, Coco, Willow, Lola, Stella, and Nova completed the list. These choices reflect familiar themes. Owners continue to gravitate toward names that feel warm, approachable, and human.</p>
<div class="lb-trans"><p>Bella、Daisy、Lucy、Nala、Coco、Willow、Lola、Stella 和 Nova 完成了名单。这些选择反映了熟悉的主题。主人们继续倾向于选择温暖、亲切和人性化的名字。</p>
</div><p><strong>Pet insurance grows inside the workplace</strong></p>
<div class="lb-trans"><p><strong>宠物保险在职场中的增长</strong></p>
</div><p>A major trend in 2025 came from the employer side.</p>
<div class="lb-trans"><p>2025 年的一个主要趋势来自雇主方面。</p>
</div><p>The number of companies offering Spot Pet Insurance plans as an employee benefit increased by 57 percent* between November 2024 and November 2025.</p>
<div class="lb-trans"><p>在 2024 年 11 月至 2025 年 11 月之间，提供 Spot 宠物保险计划作为员工福利的公司数量增加了 57%。</p>
</div><p>Employee demand for pet coverage continues to rise, driven by cost volatility and the emotional importance of pets in daily life.</p>
<div class="lb-trans"><p>员工对宠物保障的需求持续上升，受到成本波动和宠物在日常生活中情感重要性的推动。</p>
</div><p><strong>Trust, speed, and experience</strong></p>
<div class="lb-trans"><p><strong>信任、速度和经验</strong></p>
</div><p>Spot concluded 2025 with a Trustpilot Trustscore of 4.7 out of 5 across 9,583 reviews. More than 8,000 of those reviews were five stars. Claim processing was efficient. The average turnaround time was three days, while automated wellness and routine care claims averaged 1.5 days.</p>
<div class="lb-trans"><p>Spot 以 4.7 的 Trustpilot 信任评分结束了 2025 年，共有 9,583 条评论。其中超过 8,000 条评论为五星好评。索赔处理效率高，平均周转时间为三天，而自动化的健康和常规护理索赔平均为 1.5 天。</p>
</div><p><strong>Wrapping up 2025</strong></p>
<div class="lb-trans"><p><strong>总结 2025 年</strong></p>
</div><p>Pet health costs continue to rise, but owners are getting smarter about early enrollment and coverage. Breed and age factors drive predictable cost variations. Seasonal trends remain strong. Employers are stepping in with benefits that support employees and their pets. Through it all, Spot continues to process claims quickly and maintain customer trust at scale.</p>
<div class="lb-trans"><p>宠物健康成本持续上升，但主人们在早期登记和保障方面变得更加聪明。品种和年龄因素驱动着可预测的成本变化。季节性趋势依然强劲。雇主们正在提供支持员工及其宠物的福利。在这一切中，Spot 继续快速处理索赔，并在大规模上保持客户信任。</p>
</div><p><strong>Sources</strong></p>
<div class="lb-trans"><p><strong>来源</strong></p>
</div><p>*Based on 2025 Spot Pet Insurance Services, LLC. Claims data. Claim reimbursement examples are for illustrative purposes only and are based on current administrative claims data. Reimbursement amounts may vary depending on plan selections, such as annual limit, co-insurance, and deductible, as well as the specifics of the claim. Actual reimbursements are subject to your policy terms, including exclusions and waiting periods. Please refer to your policy documents for full details.</p>
<div class="lb-trans"><ul>
<li>基于 2025 年 Spot Pet Insurance Services, LLC 的索赔数据。索赔报销示例仅供参考，基于当前的行政索赔数据。报销金额可能因计划选择（如年度限额、共同保险和免赔额）以及索赔的具体情况而有所不同。实际报销受您的保单条款的限制，包括排除条款和等待期。有关详细信息，请参阅您的保单文件。</li>
</ul>
</div><p>1. Kohler, Judith. &#34;As Veterinary Costs Rise, People Wrestle with High Price of Caring for Pets.&#34; <em>The Denver Post</em>, 20 June 2024, <strong>www.denverpost.com/2024/06/20/pet-owners-insurance-cats-dogs-veterinarians/</strong>.</p>
<div class="lb-trans"><ol>
<li>Kohler, Judith. &#34;随着兽医费用上升，人们在照顾宠物的高成本中挣扎。&#34; <em>丹佛邮报</em>，2024 年 6 月 20 日，<strong>www.denverpost.com/2024/06/20/pet-owners-insurance-cats-dogs-veterinarians/</strong>。</li>
</ol>
</div><p>Independent and paid ad from Spot Pet Insurance.</p>
<div class="lb-trans"><p>Spot Pet Insurance 的独立付费广告。</p>
</div><p>Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms visit spotpetins.com/sample-policy. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout.</p>
<div class="lb-trans"><p>可能适用等待期、年度免赔额、共同保险、福利限额和排除条款。有关所有条款，请访问 spotpetins.com/sample-policy。产品、时间表、折扣和费率可能会有所不同，并且可能会随时更改。更多信息请在结账时查看。</p>
</div><p>Insurance plans are underwritten by either Independence American Insurance Company (NAIC #26581. A Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254) or United States Fire Insurance Company (NAIC #21113. Morristown, NJ), and are produced by Spot Pet Insurance Services, LLC. (NPN # 19246385. 990 Biscayne Blvd Suite 603, Miami, FL 33132. CA License #6000188).</p>
<div class="lb-trans"><p>保险计划由 Independence American Insurance Company（NAIC #26581，位于亚利桑那州斯科茨代尔市斯科茨代尔路 11333 号 160 套房）或 United States Fire Insurance Company（NAIC #21113，位于新泽西州莫里斯敦）承保，并由 Spot Pet Insurance Services, LLC（NPN #19246385，位于佛罗里达州迈阿密比斯坎大道 990 号 603 套房，CA 许可证#6000188）提供。</p>
</div><p>SOURCE Spot Pet Insurance</p>
<div class="lb-trans"><p>来源：Spot Pet Insurance</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://rt.prnewswire.com/rt.gif/query-RGF0ZUlkPTIwMjUxMjAxJk5ld3NJdGVtSWQ9Q0czNjI0MiZUcmFuc21pc3Npb25fSWQ9MjAyNTEyMDExMzMzUFJfTkVXU19VU1BSX19fX19DRzM2MjQy" alt="" original-src="https://rt.prnewswire.com/rt.gif?NewsItemId=CG36242&amp;Transmission_Id=202512011333PR_NEWS_USPR_____CG36242&amp;DateId=20251201"/></p>

Spot Pet Insurance 发布了《2025 年总结》，这是一份年度回顾报告