강아지 보험 추천 및 가입하면 도움이 되는 품종

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강아지 보험 은 필수나 의무사항이 아닙니다. 다만, 품종에 따라 수술빈도가 높은 경우에는 펫보험에 가입을 고려해볼만하다고 할 수 있습니다. 관련 정보들을 정리해드릴테니, 확인해보시고, 가입 여부 판단하시기 바랍니다.

강아지-보험
목차 숨기기
국내 강아지 보험 현황
강아지 보험 가격대
강아지 보험으로 보장되는 질환
펫보험 가입을 고려해볼만한 품종
펫보험 가입 시 주의사항

국내 강아지 보험 현황

강아지를 키우는 가구가 늘어나면서 강아지 보험, 즉 펫보험에 대한 관심도 커지고 있는데요. 가입자는 해마다 늘어나고 있는 추세로, 2019년에는 2만건이 넘는 펫보험 계약이 있었다고합니다.

👀 국내 펫보험 현황

강아지 보험 가격대

강아지 보험은 월납입액이 최소 4만원에서 많으면 8만원까지 가격이 형성되어 있는데요. 상황에 맞게 적절한 보험료를 미리 확인하고 보험 가입 여부를 선택할 수 있습니다.

강아지 보험료 미리 계산 ▶▶

강아지 보험으로 보장되는 질환

강아지 보험 대부분은 의료비 실비 보상형이라고 보시면 되는데요. 본인부담금 1~2만원정도가 발생할 수 있고, 동물병원비의 50% ~ 70% 정도를 보상받을 수 있습니다.

최근 기사에 따르면, 지급 건수와 지급액에 따라서 순위를 알 수 있습니다. 슬개골 탈구가 압도적으로 가장 많은 보험금을 타는 질환으로 나타났으며, 이는 수술을 해야 할 가능성이 높기 때문에 가입할 때 고려해볼만합니다.

그 다음으로는 보행 이상, 이물 섭식, 위험 장염이 순위에 높게 나타났습니다.

펫보험 가입을 고려해볼만한 품종

특정 질환에 취약한 품종이라면, 팻보험에 가입하는 것이 유리할 수 있습니다. 지급액 순위를 보면 알 수 있듯이, 슬개골 탈구에 취약한 품종은 수술 가능성이 높아 가입이 필요한 것으로 판단됩니다.

물론 해당 품종 전체가 수술을 해야 하는 것은 아니지만, 수술 빈도가 높은 품종으로 포메라니안, 푸들, 말티즈 등이 있습니다.

단, 8살 이상인 강아지의 경우에는 가입이 어려울 수 있습니다.

펫보험 가입 시 주의사항

상품에 따라 1일 또는 1년 동안 받을 수 있는 최대 보상액이 정해져있는 경우가 있으니, 상품 가입시, 보장내용을 확실히 확인해보시기 바랍니다.

최대 보장금이 정해져있는 경우, 입원비, 수술비를 합쳐 하루에 수백만원이 나오더라도 실제 보장받을 수 있는 보험금이 매우 제한적일 수 있습니다.

추가적으로 파보바이러스, 광견병 등 예방접종을 통해 막을 수 있는 질병이나 중성화 수술, 출산과 관련된 진료의 경우에는 보험으로 보장받지 못할 가능성이 크기 때문에, 무엇보다 펫보험 가입 시 보장내용을 확실히 살펴보는 것이 중요합니다.

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