商业秘密｜宠物保险报销争议频发，千万养宠人何去何从

Core Insights - The pet insurance market in China is experiencing significant growth, with the urban pet consumption market expected to exceed 300 billion yuan by 2024, driven by rising medical costs and increasing demand for insurance coverage [1][3][13] - Despite the growth potential, there are substantial issues regarding the coverage of major illnesses, claims processing, and the overall effectiveness of pet insurance products [1][6][9] Group 1: Market Overview - The pet insurance market is projected to maintain a high compound annual growth rate, with urban pet ownership reaching over 70 million households [1][3] - Pet owners are increasingly seeking insurance to mitigate high medical expenses, with many young pet owners purchasing insurance primarily for medical coverage [3][13] Group 2: Insurance Product Limitations - Many pet insurance policies exclude coverage for congenital diseases, which poses a significant challenge for pet owners with purebred animals that may have inherent health issues [6][7] - The insurance products often have strict waiting periods and numerous exclusions, leading to dissatisfaction among consumers when claims are denied [6][9][10] Group 3: Claims Processing Challenges - There are numerous complaints regarding the claims process, particularly related to waiting periods and the recognition of pre-existing conditions, which complicate the reimbursement process [9][10] - Consumers have reported discrepancies between insurance advertising and actual policy terms, leading to confusion and frustration [10][11] Group 4: Industry Dynamics - The relationship between pet hospitals and insurance companies is strained due to a lack of trust and effective oversight, which complicates the claims process and can lead to conflicts [14] - The industry is calling for better collaboration between insurance providers and veterinary services to enhance transparency and improve the overall customer experience [14]