跳过主要内容

额外的计划

宠物保险

定制您的宠物保险计划

宠物医疗保险

我们理解做宠物父母的感受:宠物是家庭的一部分。所以,当狗狗巴迪吞下了婴儿的玩具,或者猫吃掉了植物的一部分,或者更糟的是,巴迪被诊断出患有癌症,或者米腾斯患上了糖尿病,宠物主人们面临着在提供最好的治疗和巨额的兽医费用之间的平衡。这就是为什么联合医疗正在为Figo宠物保险有限责任公司(“Figo”)提供不错的宠物保险计划选择。菲戈由独立美国保险公司承保。

不仅仅是宠物保险

除了覆盖范围之外,Figo的宠物云还为您提供了管理宠物整个生命所需的工具,包括在紧急情况发生时24/7访问现场兽医专业人员。从您的手机上申请权利,并以电子方式获得付款。

虚拟兽医
在一天的任何时候都能安心。
连接
和你身边的其他宠物父母交流。
人工智能索赔
使索赔过程超级简单。
收件箱和文档
把宠物的记录放在一个地方。

什么是宠物保险?

兽医治疗正在进步——挽救更多宠物的生命。然而,由于家庭预算紧张,获得这些治疗的费用可能过高。宠物医疗保险帮助你在为你的狗或猫选择最好的兽医护理时减轻经济压力。

根据年龄、品种、地点和计划选择每月支付一小笔费用,你的宠物因新疾病或受伤而产生的医疗费用可能会报销给你,最高可达100%。一旦你决定了宠物保险计划,并完成了任何适用的等待期,只需通过移动设备提交全额支付的兽医账单。通过Figo的移动应用程序提供所需的医疗记录,并跟踪您的索赔进度。为了更快地接收支付,注册Figo的存款选项,并获得电子支付。

宠物保险包括什么?

宠物保险计划可以涵盖与意外事故或疾病相关的兽医费用。通常,大多数计划包括:

急诊和住院
手术
兽医专家
遗传和先天性疾病
慢性病
处方
成像
膝盖状况
假肢和矫形手术
髋关节发育不良

也可能有附加选项的考试费用和其他非医疗福利。

宠物保险不包括什么?

大多数宠物保险公司将不承保预先存在的情况,或在保单生效日期之前或任何适用的等待期内出现迹象或症状的情况。然而,先前存在的条件并不排除宠物保险,因为新的疾病和伤害仍然可以投保。计划不包括:

预先存在的条件
常规、健康或预防保健
绝育服务或
实验程序
繁殖、怀孕或分娩
克隆宠物或克隆程序
整容手术
噬粪症(医学术语“吃粪便”)

为什么宠物保险计划来自菲戈?

Figo提供三种宠物医疗保险计划,根据您宠物的医疗需求和您的预算,可定制扣除和报销选项。由于这些计划是基于一种报销模式,您可以访问世界上任何地方的任何有执照的兽医诊所、急救医院或专家。

作为Figo宠物的父母,你可以通过你的Figo宠物云移动应用程序访问Live Vet聊天——所以无论何时你有紧急的宠物医疗问题,你都可以随时随地联系有执照的兽医专业人士。

Figo Pet Cloud应用:

当你有紧急医疗问题时,通过同一个手机应用程序访问Buster的医疗记录、最近的狗公园的位置,并与现场兽医专业人员聊天,这难道不是省时吗?如果你也能直接从你的移动设备上提交索赔,并与其他宠物父母聊天,那会怎么样?介绍菲戈宠物云:您的宠物的生活在您的指尖。最重要的是,菲戈宠物父母可以免费使用。

狗和幼犬健康保险

人类和狗之间的联系贯穿了我们的一生(以及它们的一生)。所以,无论你的(非常)活跃的小狗吃了一只袜子,还是你的老狗患上了臀部发育不良,狗的健康保险计划都可以提供一个财务安全网。只需去看兽医,并提交你的已付兽医费用报销单。早在八周,没有年龄上限,你可以找到和定制一个适合你的狗的计划。报道不会仅仅因为年龄而结束,让你们有更多的时间在一起做重要的事情,比如小狗玩耍,拿东西,在沙发上依偎。

猫和小猫健康保险

从一只八周大的小猫到一只年长的猫咪,我们的猫咪保险计划涵盖了Fluffy的整个生命,让你可以自由地关注重要的事情。你可以从三种符合你预算的报销比例和年度免赔额计划中选择一种。一旦你选择了你的计划选项并注册,剩下的事情就变得简单了。所以,无论毛毛是尿路感染还是咬了你的春花,只要每月支付一笔可控的费用,你就可以购买猫的健康保险计划,减少你的猫因意外的兽医医疗费用而产生的担忧。

在这个州,没有生产商许可证,任何人都不允许销售、征求或谈判保险单,所有的潜在客户都应向菲戈宠物保险公司(Figo Pet insurance)咨询。本网站载列的资料只作说明用途,任何宠物保险保单的承保范围均明确受保险公司发出的保单文件的条件、限制、限制、不包括条款及条款所规限。该计划的可用性取决于每个州的批准,覆盖范围可能因州而异。宠物保险由特拉华州的独立美国保险公司(independent American insurance Company, IAIC)承保。保险计划和Figo宠物云由Figo宠物保险有限责任公司管理。Live Vet是独立的非保险服务,不隶属于IAIC。

www.ambest.com","F82":"UnitedHealthcare Global is part of UnitedHealth Group, Incorporated, a Fortune 10 company. Travel assistance services may be provided by or through UnitedHealth Group entities, and/or the UnitedHealthcare Global brand. SafeTrip Insurance Products are underwritten by U.S. Fire Insurance Company and Crum & Forster Segregated Portfolio Company (SPC), which are not related to UnitedHealth Group, Incorporated or the UnitedHealthcare family of companies.","F83":"UnitedHealthcare Life Insurance Company or Golden Rule Insurance Company is the underwriter and Dental Benefit Providers, Inc. is the administrator of these dental plans.","F84":"Personal insurance is not the same as COBRA, so review your COBRA information carefully.","F85":"A terminated employee may be eligible for continuation of coverage under federal or state law. Check with your former employer.","F86":"Bureau of Labor and Statistics, “Labor Statistics from the Current Population Survey,” 2014.","F3":"2014 Website Functionality Benchmark: US Health Insurance Plan Public Sites, Forrester Research, March 2015.","F4":"The coverage term is one day less than 3 years. In SC, plans are three 11-month terms. In IN and OK, plans are three 364-day terms.This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.","F5":"Short term health insurance does not qualify as minimum essential coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Signing up for this coverage may result in a tax penalty. Plans are subject to medical underwriting, and do not cover preexisting conditions.","F6":"Premium effective date on date of viewing. Actual premium may be different based upon the situation at the time of application. Optional benefits require an additional premium cost. Products vary by state. Some Short Term plans available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.","F7":"Premium effective date on date of viewing. Actual premium may be different based upon the situation at the time of application. Products vary by state. 7 HealthiestYou is not an insurance product and is provided by Teladoc®.","F8":"Premium effective date on date of viewing. Actual premium may be different based upon the situation at the time of application. Optional benefits require an additional premium cost. Products vary by state. Some Short Term plans available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.","F9":"Short term plans are medically underwritten. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy/certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy/certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. This is not Minimum Essential coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Some Short Term plans are available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.","F87":"Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract. Enrollment in the plan depends on the plan’s contract renewal with Medicare.","F10":"THIS PLAN PROVIDES LIMITED BENEFITS. This is a supplement to health insurance and is not a substitute for the minimum essential coverage required by the Affordable Care Act (ACA). Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.","F18":"Benefits vary by plan. Check brochure for details.","F14":"Murphy, Brooke. 21 statistics on high-deductible health plans. Becker’s Hospital CFO. May 19, 2016.","F15":"Benefitfocus. The State of Employee Benefits: Insights and Opportunities Based on Behavioral Data. Large Employer Edition, 2016.","F16":"HSAs are not available solely in conjunction with fixed indemnity insurance plans. You must have a qualifying high-deductible health plan to qualify for an HSA.","F11":"These plans are medically underwritten. Benefits are not paid for expenses resulting from preexisting conditions. See specific plans for details.","F88":"This product provides limited benefits. This is a supplemental to health insurance and is not a substitute for major medical coverage.","F17":"National Institute of Dental and Craniofacial Research, National Institutes of Health. Retrieved from https://www.nidcr.nih.gov/datastatistics/finddatabytopic/dentalcaries/","F12":"Some states excluded.","F19":"Benefits must be assigned to providers to receive reduced rates.","F20":"2015 Comparative Price Report Variation in Medical and Hospital Prices by Country. International Federation of Health Plans. Retrieved from http://www.ifhp.com/","F21":"All products require separate applications. Separate policies or certificates are issued.","F22":"Intensive care or critical care hospitalization benefits are subject to a 31-day maximum per confinement. If more than one surgery occurs during any given day, the highest tiered amount is paid.","F23":"Available after a 6-month waiting period.","F24":"Drug discount card is for prescription discounts only. This is not insurance.","F35":"To enroll in a Medicare Advantage plan, you must first be enrolled in Medicare Part A and B.","F36":"You must continue to pay your Medicare Part B premium.","F26":"This applies only if you choose a Silver plan on the federal Health Insurance Marketplace or your state's marketplace.","F27":"Premiums do not count toward deductibles. Usually copays do not count toward deductibles. Check your plan brochure for more information.","F13":"Underwritten by Golden Rule Insurance Company.","F32":"THESE PRODUCTS PROVIDE LIMITED BENEFITS. THESE ARE SUPPLEMENTS TO HEALTH INSURANCE AND ARE NOT A SUBSTITUTE FOR THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES. These products provide benefits in a stated amount regardless of the actual expenses incurred.","F33":"Availability varies by state. CO, CT, ID, MI, PA, and TN have Accident ExpenseGuard only.","F34":"Subject to a lifetime maximum.","F89":"CareCredit is offered through Synchrony Bank, who is not an affiliate of UnitedHealthcare and we are not a vendor of Synchrony. By clicking this link to apply for CareCredit you are moving to a 3rd party website. No line of credit is being provided by Golden Rule Insurance Company or by any UnitedHealthcare legal entity.","F2":"Ratings as of 12/18/2020. This worldwide, independent organization reviews insurance companies and other businesses and publishes opinions about them. This rating is an indication of financial strength and stability. For the latest rating, access www.ambest.com.","F1":"UnitedHealth Group Annual Form 10-K for year ended 12/31/20.","F37":"This product provides limited benefits. This coverage provides a Term Life insurance policy with an optional Critical Illness Benefit that pays cash benefits for a qualifying critical illness. Term Life SafeGuard is not major medical or comprehensive health insurance and does not provide the mandated coverage necessary to avoid a penalty under the Affordable Care Act.","F38":"THIS PRODUCT PROVIDES LIMITED BENEFITS. HOSPITAL SAFEGUARD IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES. This product provides benefits in a stated amount regardless of the actual expenses incurred.","F39":"Source: American Heart Association, Heart disease and stroke statistics—2016 update: A report from the American Heart Association [published online ahead of print December 16, 2015]. Circulation. doi: 10.1161/CIR.0000000000000350. http://professional.heart.org/idc/groups/ahamah-public/@wcm/@sop/@smd/documents/downloadable/ucm_480086.pdf.","F40":"Consult your tax advisor; restrictions may apply.","F41":"Gen Re Research. U.S. Critical Illness Insurance Market Survey Summary, Highlights of 2018/2019 Results. Retrieved from https://www.genre.com/knowledge/publications/surveylhci19-en.html","F42":"Diagnosed more than 90 days after effective date to receive full benefit. Benefit is less if diagnosis occurs between 30-90 days.","F43":"Benefits available once every 12 months.","F44":"Product is medically underwritten.","F45":"Optional benefits require an additional premium cost. Products vary by state.","F46":"Waiting periods may apply.","F47":"American Heart Association. 2020 Heart Disease and Stroke Statistical Update Fact Sheet At-a-Glance. Retrieved from https://www.heart.org/-/media/files/about-us/statistics/2020-heart-disease-and-stroke-ucm_505473.pdf?la=en","F48":"Core Access series is underwritten by Independence American Insurance company and administered by The Loomis Company. Golden Rule Insurance Company and Independence American Insurance Company are separate entities and are not responsible for each other’s contractual or financial obligations.","F49":"Based on pharmacy’s usual and customary price. Actual savings may vary.","F50":"Short-term health insurance is medically underwritten and does not cover preexisting conditions. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy/certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency service, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy/certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until open enrollment period to get other health insurance coverage. This is not Minimal Essential Coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Some Short Term Plans available as association group insurance only to members of FACT, an independent association. Additional membership fees may apply.","F51":"Premium amount is expected to change for the second and third policy/certificate terms. Some TriTerm Medical Plans available as association group insurance only to members of FACT, an independent association. Additional membership fees may apply.","F52":"These plans are medically underwritten. Benefits are not paid for expenses resulting from preexisting conditions. See specific plans for details. THIS PLAN PROVIDES LIMITED BENEFITS. THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.","F53":"Coverage varies depending on the dental plan chosen. See brochure for details. If you use an out-of-network dentist, your benefit will either be determined by the reasonable and customary charge or by the network negotiated rate. An out-of-network dentist can bill a patient for any remaining amount up to the billed charge.","F54":"THIS PRODUCT PROVIDES LIMITED BENEFITS. THIS IS AN ACCIDENT POLICY THAT INCLUDES CRITICAL ILLNESS AND ACCIDENTAL DEATH & DISMEMBERMENT BENEFITS. THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE.","F55":"THIS IS A LIMITED BENEFITS POLICY. IT PAYS FOR BENEFITS FOR CRITICAL ILLNESSES ONLY AND DOES NOT PROVIDE COVERAGE FOR ANY OTHER MEDICAL CONDITIONS. YOU SHOULD MAINTAIN SEPARATE COMPREHENSIVE HEALTH COVERAGE.","F90":"This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments and restrictions may apply. Benefits, premiums and/or copayments/coinsurance may change on January 1 of each year.","F91":"Ingenix, now known as Optum Insight, Inc. (\"Optum Insight\"), is a wholly-owned subsidiary of UnitedHealth Group Incorporated. Under a January 2009 settlement agreement between UnitedHealth Group Incorporated and the New York Attorney General, Ingenix's Databases closed, and United no longer uses any Ingenix Database to pay out-of-network claims."}">

UHOPETA1

Baidu