“买了不赔”声音不断，宠物险陷入两难

Core Insights - The pet insurance market is rapidly expanding, but many consumers are facing challenges with claims, leading to a trust crisis between pet owners and insurance companies [3][4][10] - Complaints about pet insurance often revolve around claim denials, with reasons ranging from waiting period disputes to exclusions for pre-existing conditions [4][5][6] Group 1: Market Dynamics - The demand for pet insurance is increasing due to rising pet ownership and associated medical expenses, creating a significant market opportunity [8][9] - Pet insurance products primarily include pet medical insurance, third-party liability insurance, and pet death insurance, but the complexity of claims processes is a major issue [4][6] Group 2: Consumer Challenges - Consumers report a variety of claim denial reasons, including issues with pre-existing conditions, limits on reimbursement amounts, and complications with the list of approved veterinary clinics [5][6][9] - The lack of transparency and understanding of policy details contributes to consumer frustration and miscommunication regarding coverage [8][9] Group 3: Industry Issues - The pet insurance industry suffers from a lack of standardization and regulatory oversight, leading to a disconnect between consumer expectations and insurance company practices [8][9][10] - There is a need for clearer communication and education for consumers regarding policy terms, coverage limits, and the claims process to reduce disputes [9][10]