<p>, /PRNewswire/ -- FreeAdvice.com 最近發佈了一份報告，列出了九大寵物保險公司。</p>
<p>該名單上的第一家公司是 Healthy Paws。Healthy Paws 提供多個保障級別，沒有年度限額，並且為投保多隻寵物的客户提供折扣。</p>
<p>繼續閲讀</p>
<p><strong>頂級寵物保險公司</strong></p>
<p>根據 FreeAdvice.com 的數據，九大寵物保險公司如下：</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 在投保多隻寵物時提供 10% 的折扣。投保人可以根據預算選擇 70% 到 90% 的報銷比例。免賠額選項起始為僅 $100。</p>
<p>Trupanion 在所有計劃中提供 90% 的報銷率。投保人常常提到的一個好處是，Trupanion 會直接支付給獸醫診所。大多數競爭對手要求投保人先支付獸醫賬單，然後再向保險公司申請報銷。</p>
<p>Nationwide 是一家受歡迎的家庭和汽車保險提供商，向將寵物保險與家庭或汽車保險捆綁的寵物主人提供折扣。另一個好處是 Nationwide 提供健康保障。一個缺點是每年限額為 $1,000。</p>
<p><strong>貓與狗的寵物保險</strong></p>
<p>一般來説，貓的保險費用低於狗。貓的統計風險低於狗，因此保險費用也較低。大多數貓都待在室內，這大大降低了意外事故的風險。</p>
<p>貓的保險費用在每月 $20 到 $35 之間，而狗的保險費用在每月 $35 到 $55 之間。</p>
<p><strong>年齡和品種如何影響保險費率</strong></p>
<p>根據 FreeAdvice.com 的保險專家 Melanie Musson 的説法，寵物年齡越大，申請索賠的風險就越高。她表示：“寵物主人應該準備為一隻 10 歲的寵物支付大約兩倍於 2 歲時的保費。”</p>
<p>某些犬種面臨更高的特定健康問題風險。因此，保險提供商通常會將高風險狀況排除在某些犬種的保單之外。或者，一些保險公司由於風險增加而對特定犬種收取更高的保費，但不會排除健康狀況的保障。</p>
<p>在這裏閲讀 FreeAdvice.com 的完整報告：9 大最佳寵物保險公司（高額獸醫費用賠付）。</p>
<p>來源 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 發佈了一份報告，列出了前九大寵物保險公司，其中 Healthy Paws 排名第一。Healthy Paws 提供多個保障級別，沒有年度限額，並且為投保多隻寵物提供折扣。Trupanion 提供 90% 的報銷率，並直接向獸醫診所付款。Nationwide 提供與家庭或汽車保險捆綁時的折扣。寵物保險費用因寵物類型、年齡和品種而異，通常貓的保險費用低於狗。年長寵物和某些犬種可能因風險增加而產生更高的保費</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 最近發佈了一份報告，列出了九大寵物保險公司。</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>該名單上的第一家公司是 Healthy Paws。Healthy Paws 提供多個保障級別，沒有年度限額，並且為投保多隻寵物的客户提供折扣。</p>
</div><p>Continue Reading</p>
<div class="lb-trans"><p>繼續閲讀</p>
</div><p><strong>Top Pet Insurance Companies</strong></p>
<div class="lb-trans"><p><strong>頂級寵物保險公司</strong></p>
</div><p>The top nine pet insurers, according to FreeAdvice.com, are as follows:</p>
<div class="lb-trans"><p>根據 FreeAdvice.com 的數據，九大寵物保險公司如下：</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 在投保多隻寵物時提供 10% 的折扣。投保人可以根據預算選擇 70% 到 90% 的報銷比例。免賠額選項起始為僅 $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 在所有計劃中提供 90% 的報銷率。投保人常常提到的一個好處是，Trupanion 會直接支付給獸醫診所。大多數競爭對手要求投保人先支付獸醫賬單，然後再向保險公司申請報銷。</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 是一家受歡迎的家庭和汽車保險提供商，向將寵物保險與家庭或汽車保險捆綁的寵物主人提供折扣。另一個好處是 Nationwide 提供健康保障。一個缺點是每年限額為 $1,000。</p>
</div><p><strong>Pet Insurance for Cats vs. Dogs</strong></p>
<div class="lb-trans"><p><strong>貓與狗的寵物保險</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>一般來説，貓的保險費用低於狗。貓的統計風險低於狗，因此保險費用也較低。大多數貓都待在室內，這大大降低了意外事故的風險。</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>貓的保險費用在每月 $20 到 $35 之間，而狗的保險費用在每月 $35 到 $55 之間。</p>
</div><p><strong>How Age &amp; Breed Affect Rates</strong></p>
<div class="lb-trans"><p><strong>年齡和品種如何影響保險費率</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>根據 FreeAdvice.com 的保險專家 Melanie Musson 的説法，寵物年齡越大，申請索賠的風險就越高。她表示：“寵物主人應該準備為一隻 10 歲的寵物支付大約兩倍於 2 歲時的保費。”</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>某些犬種面臨更高的特定健康問題風險。因此，保險提供商通常會將高風險狀況排除在某些犬種的保單之外。或者，一些保險公司由於風險增加而對特定犬種收取更高的保費，但不會排除健康狀況的保障。</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>在這裏閲讀 FreeAdvice.com 的完整報告：9 大最佳寵物保險公司（高額獸醫費用賠付）。</p>
</div><p>SOURCE FreeAdvice.com</p>
<div class="lb-trans"><p>來源 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 家最佳寵物保險提供商（賠付最高！）