Ingabe Umshwalense Wezilwane Ulungile Kuwe?
Ingabe umshuwalense wesilwane ungumqondo omuhle wena nenja yakho? Iningi labanikazi bezinja baphikisana ngokuthi ngabe bathengise inqubomgomo yomshuwalense wesilwane noma cha. Izindleko zobunikazi bezinja zingaba phezulu, kodwa ingabe umshuwalense wesilwane uwufanele? Kuyini? Lizobiza malini? Nakhu okunye ukwaziswa okuzokusiza wenze isinqumo esinolwazi.
Umshwalense Wezilwane Usebenza Kanjani?
Umshuwalense omningi wesilwane usebenza ngendlela efanayo kumshwalense wemoto. Ukhetha uhlelo lokubheka futhi ukhokhe i-premium yenyanga.
Ngokuvamile unenketho yokukhetha ukuthi ngabe uhlelo lwakho luhlanganisa yini izinkinga zezempilo eziningi, izifo ezinkulu kuphela, noma into ephakathi. Izinga lenyanga lihlukahluka ngokususelwa ekuhloleni. Ezinye izilinganiso zilinganisa iminyaka yobudala bakho, ukuzala, nesimo sokuzala.
Kubalulekile ukwazi ukuthi, ngokuvamile, izilwane zezilwane azicubungula umshuwalense wezilwane . Wena nodokotela wakho wezilwane basebenza ndawonye ukwenza izinqumo mayelana nokwelashwa kwenja yakho. Inkampani yomshuwalense ayikho ukubandakanyeka kuleli phuzu. Ukhokha isikweletu sakho bese uhambisa isimangalo somshuwalense. Uma ihlanganisiwe, inkampani yomshuwalense ikubuyisela ngokwephesenti yesikweletu (ngokusekelwe ekuhloleni kwakho kwepulani). Lokhu kudinga ukuthi ube nenkokhelo noma isikweletu esitholakalayo ukuze ukhokhe izikweletu zakho ze-vet ngenkathi ulinde ukubuyisela imali ibe yinkampani yomshuwalense, ngakho ukuhlela phambili okuphuthumayo kusadingeka.
Ingabe Umshwalense Wezilwane Uwufanele?
I-Pat umshuwalense umbono omuhle ezimweni eziningi.
Iningi labanikazi bezinja ngaphandle komshuwalense bazithola bezisola uma kwenzeka okuthile. Umshuwalense wezilwane ungakusiza ukuthi ulondoloze imali ezindlini zezinja , kodwa kusalokhu kubiza imali phambili. Amaphrimiyamu ngokuvamile avela ku-$ 5-50 ngenyanga. Izinhlelo zokunciphisa izindleko zinezinzuzo eziphakeme kakhulu futhi zihlanganisa kancane. Amalungiselelo ezindleko eziphakeme angadalula njengama-dollar angu-100 ngonyaka futhi afinyelele ku-90% we-vet bill yakho.
Lokhu akukubi kakhulu uma ucabanga ukuthi izinsizakalo ezivamile zesimiso nemikhiqizo ngokuvamile zibiza cishe ngamaRandi ayi-600-1300 ngonyaka (khumbula lokhu akulona ukugula okungalindelekile / ukulimala).
Khumbula ukuthi umshuwalense wezilwane akuyona nje kuphela asebekhulile, ezifuywayo ezigulayo. Ukuthola inqubomgomo yomshuwalense wesilwane ngenja yakho encane, enempilo ingaba engabizi kakhulu futhi ihlanganise nezinto ezijwayelekile ezifana nezivivinyo zempilo, imithi, umsebenzi webhu kanye nokunakekelwa kokuvikela. Eqinisweni, ukuthola ipulazi yakho iqalile ohlelweni lokuqala lomshuwalense kungasiza kakhulu ukugcina izindleko phansi.
Ngaphambi kokuba unqume ukuthi umshuwalense wesilwane ufanele ngempela imali, kufanele wenze ucwaningo. Leli shadi lokuqhathanisa lingakusiza ukuthi uqalise. Futhi, hlola umhlahlandlela wokuthenga umshwalense we-NAPHIA. Kungumqondo omuhle ukubuza i-vet yakho ngezincomo ezithile. Khona-ke, hlola ezinye izinkampani zomshuwalense ngokwabo futhi ucele ezinye izingcaphuno. Nazi ezinye zezinkampani zomshuwalense ovamile kakhulu:
- Trupanion
- PetPlan
- Yamukela Umshwalense Wezilwane
- Umshuwalense wePetru lonke (ngaphambili owawu-VPI)
- Izilwane ezifuywayo ezingcono
- PetFirst
- Umshuwalense Wezilwane Zempilo Ephakathi Nezempilo
- I-ASPCA Pet Health Insurance
- I-AKC Pet Healthcare
Izindlela Zokusebenzisa Umshwalense Wezilwane
Umshuwalense wezempilo omncane ungaba mnandi, kodwa akuwona wonke umuntu. Nazi izindlela ezimbalwa ukukusiza isabelomali sezindleko ze-vet futhi, kwezinye izimo, gcina imali:
- Qala i-akhawunti yokulondoloza ngokukhethekile izindleko zezilwane. Thola eyodwa ngenani lesithakazelo esihle, futhi ungalondoloza ngisho nokunye okuningi. Leli yiyona ndlela engcono kakhulu yokuhlelwa kwezindleko ze-vet, ngoba ngeke ibeke umkhawulo wephi i-vet ongayibona.
- Faka isicelo se-credit credit ngokusebenzisa inkampani efana ne-CareCredit. Qaphela ukuthi akuwona wonke umtholampilo we-vet owamukela la macebo, ngakho-ke yenza ucwaningo lwakho kusengaphambili.
- Khetha i-vet ehlinzeka ngamalungiselelo okuhlelwa ngaphambilini. Kodwa-ke, wazi ukuthi uzobe ukhawulelwe kuleso vet / chain ukuze uthole amasevisi ngaphansi kwepulani.
- Bhalisela uhlelo olufana ne-PetAssure. Ukhokha imali yobulungu ukuze uthole isaphulelo emahhovisi athile e-vet, qinisekisa ukuthi lezo mitholampilo zendawo yakho nokuthanda kwakho.