理赔难、续保难、定点医院频繁变动 别让宠物医疗保险理赔成了“新焦虑”

Core Viewpoint - The pet insurance market in China is experiencing rapid growth, driven by increasing pet ownership and consumer spending, but faces significant challenges related to claims processing and policy clarity [1][10][12]. Group 1: Market Overview - China's pet population exceeds 120 million, with average annual spending by pet owners over 2000 CNY, stimulating demand for pet insurance [1]. - The pet insurance market is projected to surpass 100 billion CNY this year, indicating substantial growth potential [10]. Group 2: Product Offerings - Various types of pet insurance are available, including pet medical insurance and pet liability insurance, catering to different consumer needs [1][2]. - Policies typically cover a range of medical expenses, with reimbursement rates varying based on whether treatment is received at designated veterinary facilities [3][10]. Group 3: Consumer Experiences - Consumers report difficulties with claims, including denials based on policy exclusions and unclear terms regarding coverage for pre-existing conditions [5][9][10]. - Complaints about the insurance process are prevalent, with many consumers expressing frustration over the lack of transparency and communication from insurance companies [9][10]. Group 4: Industry Challenges - The complexity of underwriting and claims processing in pet insurance is highlighted, as animals lack unique identification codes, complicating verification processes [12]. - There is a need for improved trust mechanisms between consumers and insurance providers, as well as clearer communication regarding policy terms to reduce disputes [12][13].