What is Pet Insurance?
Listening | English and Chinese scripts are provided below and you can understand the content easier. https://www.youtube.com/@UpgradeEnglish
Should I consider pet insurance?
If your pet gets injured or becomes ill, will you be under financial pressure to pay for the cost of treatment? Buying pet insurance can relieve your stress of worrying about money when your pet is unwell.
How’s the cost of paying insurance plan?
It varies based on the amount of coverage, the type of coverage, the species, age and breed of your pet.
What are the types of coverage of pet insurance?
They usually include “accident-only”, “accident & illness” and “wellness protection” plans. Additional benefits may be covered by some policy plans.
How should I select between “accident-only” and “accident & illness” plan?
“Accident-only” plan covers treatment related to unexpected accidents and injuries to your pet. “Accident & illness” plan is a more comprehensive plan that usually relates to an illness and chronic medical conditions.
What are the benefits of “wellness protection” plan?
It usually covers routine preventive care such as checkups, heartworm prevention, vaccinations and dental care treatment.
How should I decide the level of coverage?
Keeping pet is a lifetime. As your pet ages, the chance of claims increases due to its illness. Hence, you may consider a more comprehensive plan that lasts till the end of its life.
I’m planning for the worst. Will burial expenses be covered?
Some of the plans may cover burial and bereavement counselling expenses. You can have a lot of choices and freedom for your pet’s arrangement.
What are the additional expenses that may incur when your pet is getting older?
Medical expenses for illnesses, surgeries, hospitalisations and emergencies may be the unexpected fee. To avoid paying extra medical expenses, you should get insurance for your pet earlier.
Are there any restrictions on the age of the pet?
If the pet is older than eight years old, insurers may not cover it for illnesses under a new policy. Hence, the earlier you insure your pet, the better.
What’s pre-existing condition?
Insurers may review your pet’s full medical examination or past medical records and determine what will be considered a pre-existing condition. It would cause higher risk to insurers if your pet has pre-existing condition.
Can I get coverage if my pet has a pre-existing condition?
No. However, you should still buy pet insurance for unrelated illnesses. Insurers can reimburse you for covered veterinary care that is not related to the pre-existing condition.
If I’ve made a claim, will the premium be increased?
Yes. Insurers may increase premium at renewal after making a claim. In fact, as your pet ages, the increased premium may also be due to the higher risk of your pet’s illness.
What are the additional notes when buying pet insurance?
You should ask your agent such as waiting period before getting effective, exclusions of treatments, renewable benefits and the leadtime of receiving claims.
Disclaimer: The purpose of the video is for educating English and it’s not intended for selling any insurance products.
WITH CHINESE SCRIPT
我應該考慮寵物保險嗎？
如您的寵物受傷或生病，您是否會面臨支付治療費用的經濟壓力？購買寵物保險可緩解您在寵物身體不適時為錢憂愁的壓力。
支付保險計劃的費用如何？
費用根據承保金額、承保類型、寵物的種類、年齡和品種而有所不同。
寵物保險的承保種類有哪些？
種類通常包括「僅限意外」、「意外和疾病」以及「健康保障」計劃，一些保險計劃可能涵蓋額外保障。
我應該如何選擇「僅限意外」及「意外和疾病」保險？
「僅限意外」保險承保與意外事故和寵物受傷相關的治療，「意外和疾病」保險是一項更全面的計劃，通常與疾病和慢性病有關。
「健康保障」計劃有什麼好處？
計劃通常涵蓋常規預防護理，例如檢查、犬心絲蟲預防、疫苗接種和牙科護理治療。
我應該如何決定承保類別？
養寵物就是一生一世，隨著您的寵物年齡的增長，因疾病而索賠的機會也會增加。因此，您可以考慮一個更全面的計劃，持續到其生命結束。
我正計劃最壞的情況，喪葬費會包括嗎？
有些計劃可能涵蓋喪葬和喪親諮詢費用，您可以對寵物的安排有選擇和自由。
當您的寵物變老時，可能會產生哪些額外費用？
疾病、手術、住院和緊急情況的醫療費用可能是意外費用，為了避免支付額外的醫療費用，您應該儘早為您的寵物購買保險。
寵物的年齡有限制嗎？
如果寵物年齡超過八歲，保險公司可能不會於新承保的計劃為其疾病承保。因此，越早為您的寵物投保越好。
什麼是既往病史？
保險公司可能會審查您寵物的全面體檢或過去的醫療記錄，並確定哪些情況被視為既往病史。如果您的寵物患有既往病史，這會給保險公司帶來更高的風險。
如果我的寵物患有既往病史，我可以獲得承保嗎？
不可以，但是，您仍然應該為非相關的疾病購買寵物保險，保險公司可以包括與原有疾病非相關的承保獸醫護理費用。
如果我已提出索賠，保費會增加嗎？
會的，保險公司在提出索賠後可能會在續保時增加保費，事實上，隨著您的寵物年齡的增長，保費增加也可能是由於您的寵物患病的風險更高。
購買寵物保險時還有哪些注意事項？
您應該詢問您的經紀，例如生效前的等待時間、不包括的治療、續保時的保障以及收到索賠金額的所需時間。
免責聲明：本視頻的目的是用於教育英文，而不是為了銷售任何保險產品。