宠物险陷入买却不赔的困境

Core Viewpoint - The pet insurance market is rapidly expanding, but many consumers are facing challenges with claims, leading to a growing distrust between pet owners and insurance companies [1][2][6]. Group 1: Pet Insurance Market Overview - The pet insurance sector is primarily divided into three types: pet medical insurance, third-party liability insurance, and pet death insurance [2][4]. - The demand for pet insurance is increasing due to rising pet ownership and escalating medical expenses for pets [5][6]. Group 2: Claims Challenges - Numerous complaints regarding claim denials have emerged, with reasons ranging from waiting period disputes to exclusions for pre-existing conditions [2][3]. - Consumers often encounter complex terms such as single claim limits and deductibles, leading to confusion and potential claim rejections [2][3]. Group 3: Industry Issues - The lack of industry standards and clear contractual terms contributes to confusion and disputes between consumers and insurance providers [6][7]. - The pet insurance market is still considered a niche and faces significant challenges, including the difficulty in verifying the identity of insured pets [4][6]. Group 4: Recommendations for Improvement - Experts suggest that insurance companies should improve communication with consumers regarding policy details, including exclusions and claim processes [7]. - Establishing clear treatment standards with veterinary institutions could help mitigate excessive medical costs and improve consumer understanding of insurance coverage [6][7].