新华社北京6月10日电 题：看病比人贵宠物保险靠不靠谱？ 新华社"新华视点"记者 宋佳、李晓婷、武江民 这几年，国内宠物数量持续增加，养宠理念发生变化，不少人和梁女士一样为宠物购买保险。《2025年 中国宠物行业白皮书(消费报告)》显示，2024年中国城镇宠物(犬猫)数量超过1.2亿只，较2023年增长 2.1%，宠物精细化养育渐成趋势。 宠物医疗费动辄成百上千元，更多养宠人士希望通过宠物保险缓解经济压力。 天津市民小姜的宠物猫因胃肠炎去医院检查、治疗，一共花费1900多元，保险理赔1200余元。"理赔速 度挺快，感觉买保险挺有用。"小姜说。 四川一家宠物医院的运营人员孙鸥告诉记者，前些年宠物看病走保险的案例很少见，现在明显变多。今 年以来，她所在的医院平均每月保险诊疗单40单。 据了解，目前市场上的宠物保险包括医疗险、责任险、意外险等，其中医疗险产品超过20款，主要面向 宠物猫和宠物狗。平安保险、国泰保险等机构都推出了相关产品。 "医疗险主要报销宠物就医费用，有的产品把意外险也归在医疗险下面，责任险主要报销宠物损害他人 人身安全、财产导致的赔偿。"平安产险宠物项目组相关负责人说，国内保险公司最初开展的多为宠 ...

Core Insights - The pet insurance market is experiencing rapid growth, with some companies reporting premium growth rates exceeding 100% in the past two years, driven by the increasing willingness of pet owners to invest in their pets' health [1][6] - Despite the growth potential, the industry faces significant challenges, including high claims costs for insurers and dissatisfaction among consumers regarding policy limitations and low payouts [1][7][8] - The need for a standardized regulatory framework in the pet insurance industry is urgent, as current issues stem from the lack of regulation in the pet medical market and inadequate product design [1][12] Industry Overview - The pet economy is booming, with the number of pet dogs and cats in China expected to exceed 120 million by 2024, and the urban pet consumption market projected to surpass 300 billion yuan [2] - The average medical expenses for pet owners have increased, with average costs for treating dogs and cats reported at 2,786 yuan and 2,390 yuan respectively in 2023, up from 2,460 yuan and 2,287 yuan in 2022 [3] Market Dynamics - The pet insurance market in China has grown from 210 million yuan in 2017 to 3.37 billion yuan in 2021, with a compound annual growth rate of 100.4% [6] - Despite high growth rates, the penetration rate of pet insurance in China remains below 1%, indicating significant room for expansion compared to countries like Sweden and Japan, where penetration rates are approximately 40% and 10% respectively [6] Consumer and Insurer Perspectives - Consumers express dissatisfaction with pet insurance due to perceived limitations and low compensation, with complaints about inadequate payouts being common [7][8] - Insurers report high claims costs, with some companies operating at a loss, attributing this to the high cost of claims and the prevalence of fraud in the industry [8][9] Regulatory and Standardization Efforts - There is a growing recognition of the need for a collaborative approach to establish a regulatory framework for the pet insurance industry, involving insurance platforms, veterinary hospitals, and academic institutions [12] - Efforts are underway to create standardized medical practices and insurance product designs to improve transparency and reduce costs for consumers [12][13]