{"id":22407,"date":"2025-01-10T12:46:34","date_gmt":"2025-01-10T10:46:34","guid":{"rendered":"https:\/\/staging.moneyhub.ee\/useful-info\/raksti\/pet-insurance-explained\/"},"modified":"2025-10-03T04:40:26","modified_gmt":"2025-10-03T02:40:26","slug":"majdzivnieks-apdrosinasana-paskaidrots","status":"publish","type":"post","link":"https:\/\/staging.moneyhub.ee\/lv\/useful-info\/raksti\/majdzivnieks-apdrosinasana-paskaidrots\/","title":{"rendered":"M\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161anas izpratne: ce\u013cvedis, k\u0101 aizsarg\u0101t savus \u010detrk\u0101jainos dra"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"22407\" class=\"elementor elementor-22407 elementor-14528\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d7efb58 e-flex e-con-boxed e-con e-parent\" data-id=\"5d7efb58\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32d40bf6 elementor-widget elementor-widget-shortcode\" data-id=\"32d40bf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e4750ba e-flex e-con-boxed e-con e-parent\" data-id=\"1e4750ba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a047e75 ddddf e-flex e-con-boxed e-con e-child\" data-id=\"a047e75\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20c9d99a elementor-widget elementor-widget-heading\" data-id=\"20c9d99a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">M\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161anas izpratne: ce\u013cvedis, k\u0101 aizsarg\u0101t savus \u010detrk\u0101jainos dra<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-18b94166 e-flex e-con-boxed e-con e-parent\" data-id=\"18b94166\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13e8adb2 elementor-widget elementor-widget-image\" data-id=\"13e8adb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"2560\" height=\"1704\" src=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/01\/pet-insurance-scaled.jpg\" class=\"attachment-full size-full wp-image-22408\" alt=\"lemmikloomakindlustus\" srcset=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/01\/pet-insurance-scaled.jpg 2560w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/01\/pet-insurance-300x200.jpg 300w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/01\/pet-insurance-1024x681.jpg 1024w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/01\/pet-insurance-768x511.jpg 768w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/01\/pet-insurance-1536x1022.jpg 1536w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/01\/pet-insurance-2048x1363.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19d502c4 e-flex e-con-boxed e-con e-parent\" data-id=\"19d502c4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-175f64b5 elementor-widget elementor-widget-text-editor\" data-id=\"175f64b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4>Uzziniet, ko sedz su\u0146u un ka\u0137u apdro\u0161in\u0101\u0161ana, k\u0101dus apdro\u0161in\u0101\u0161anas veidus varat izv\u0113l\u0113ties un k\u0101di ir visbie\u017e\u0101k sastopamie iz\u0146\u0113mumi, uz kuriem j\u0101piev\u0113r\u0161 uzman\u012bba.<\/h4>\n<h2><b>Kas ir m\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161ana?<\/b><\/h2>\n<p><a href=\"https:\/\/staging.moneyhub.ee\/en\/insurance\/pet-insurance\/\">M\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161ana<\/a> pal\u012bdz segt \u0101rst\u0113\u0161anas izmaksas, ja m\u0101jdz\u012bvnieks ir ievainots vai saslimis. Apdro\u0161in\u0101t\u0101ji parasti izmaks\u0101 atl\u012bdz\u012bbu ar\u012b tad, ja j\u016bsu m\u0101jdz\u012bvnieks mirst, paz\u016bd vai tiek no<\/p>\n<p>M\u016bsu eksperti ir analiz\u0113ju\u0161i da\u017eas no lab\u0101kaj\u0101m ka\u0137u apdro\u0161in\u0101\u0161anas un su\u0146u apdro\u0161in\u0101\u0161anas polis\u0113m, un t\u016bksto\u0161iem apdro\u0161in\u0101juma \u0146\u0113m\u0113ju ir nov\u0113rt\u0113ju\u0161i liel\u0101ko uz\u0146\u0113mumu klientu apkalpo\u0161anu, lai atrastu lab\u0101ko m\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161anu.<\/p>\n<p>M\u0113s izskaidrojam, k\u0101 darbojas m\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161ana, uz ko j\u0101piev\u0113r\u0161 uzman\u012bba un kas ir izsl\u0113gts no<\/p>\n<h2><strong>K\u0101di ir galvenie m\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161anas veidi?<\/strong><\/h2>\n<h3>M\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161ana uz m\u016b\u017eu<\/h3>\n<p>M\u016b\u017ea polises ir vispopul\u0101r\u0101kais un visaptvero\u0161\u0101kais apdro\u0161in\u0101\u0161anas veids. K\u0101 liecina nosaukums, t\u0101s izmaks\u0101s neierobe\u017eotu summu par \u0101rst\u0113\u0161anu vis\u0101 j\u016bsu m\u0101jdz\u012bvnieka dz\u012bves laik\u0101, iev\u0113rojot gada limitus.<\/p>\n<p>M\u016b\u017ea polises var darboties da\u017e\u0101dos veidos. Gada polises izmaks\u0101 l\u012bdz noteiktam veterin\u0101r\u0101rsta honor\u0101ram, piem\u0113ram, 5000 eiro katru gadu.<\/p>\n<p>Cits m\u016b\u017ea apdro\u0161in\u0101\u0161anas veids ir segums par katru slim\u012bbu katru gadu. \u0160aj\u0101 gad\u012bjum\u0101 jums ir noteikts gada limits katrai slim\u012bbai, piem\u0113ram, 42 000 eiro gad\u0101 par atl\u012bdz\u012bbas piepras\u012bjumiem saist\u012bb\u0101 ar j\u016bsu ka\u0137a diab\u0113tu.<\/p>\n<p>Citas m\u016b\u017ea apdro\u0161in\u0101\u0161anas polises apvieno abus veidus: t\u0101s sedz ierobe\u017eotu gada summu (piem\u0113ram, 10 000 eiro) un maz\u0101ku gada atl\u012bdz\u012bbu par katru atsevi\u0161\u0137u slim\u012bbu (piem\u0113ram, 2000 eiro).<\/p>\n<p>T\u0101tad, izmantojot \u0161os skait\u013cus, j\u016bs var\u0113tu iesniegt l\u012bdz pieciem atl\u012bdz\u012bbas piepras\u012bjumiem l\u012bdz 2000 eiro gad\u0101, ja j\u016bsu m\u0101jdz\u012bvniekam b\u016btu nepiecie\u0161ama \u0101rst\u0113\u0161ana pieciem nesaist\u012btiem vesel\u012bbas st\u0101vok\u013ciem, bet j\u016bs sa\u0146emtu tikai 2000 eiro par izmaks\u0101m, kas saist\u012btas ar vienas slim\u012bbas \u0101rst\u0113\u0161anu.<\/p>\n<p>Visos apdro\u0161in\u0101\u0161anas veidos, jo augst\u0101ks limits, jo d\u0101rg\u0101ka pr\u0113mija. Tom\u0113r, neatkar\u012bgi no limita, ar m\u016b\u017ea apdro\u0161in\u0101\u0161anu j\u016bs varat pa\u013cauties uz to, ka apdro\u0161in\u0101t\u0101js past\u0101v\u012bgi segs j\u016bsu m\u0101jdz\u012bvnieka slim\u012bbu izmaksas.<\/p>\n<h3>M\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161ana bez m\u016b\u017ea seguma<\/h3>\n<p>Apdro\u0161in\u0101\u0161ana bez m\u016b\u017ea seguma ir maz\u0101k visaptvero\u0161a un izsl\u0113dz noteiktas slim\u012bbas, kad j\u016bs sasniedzat atl\u012bdz\u012bbas limitu.<\/p>\n<p>Ir divi galvenie ne-dz\u012bves apdro\u0161in\u0101\u0161anas veidi: apdro\u0161in\u0101\u0161ana par katru slim\u012bbu (bie\u017ei saukta par \u201cmaksim\u0101lo atl\u012bdz\u012bbu\u201d) un apdro\u0161in\u0101\u0161ana ar termi\u0146u.<\/p>\n<p>Apdro\u0161in\u0101\u0161ana par katru slim\u012bbu maks\u0101 ierobe\u017eotu summu par katru slim\u012bbu, un, sasniedzot limitu, apdro\u0161in\u0101t\u0101js p\u0101rtrauc to segt.<\/p>\n<p>Piem\u0113ram, pie\u0146emsim, ka j\u016bsu ka\u0137im ir acu infekcija un j\u016bsu apdro\u0161in\u0101\u0161anas segums par katru slim\u012bbu ir 5000 eiro. Kad \u0161is limits ir sasniegts, apdro\u0161in\u0101t\u0101js vairs nemaks\u0101s par atl\u012bdz\u012bbas piepras\u012bjumiem, kas saist\u012bti ar acu infekciju, pat ja j\u016bs atjaunojat savu polisi.<\/p>\n<p>Laika ierobe\u017eotai apdro\u0161in\u0101\u0161anai ir gan naudas, gan laika ierobe\u017eojumi \u2013 parasti 12 m\u0113ne\u0161i no atl\u012bdz\u012bbas piepras\u012bjuma iesnieg\u0161anas br\u012b\u017ea \u2013, pirms slim\u012bba tiek izsl\u0113gta.<\/p>\n<h3>M\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161ana tikai nelaimes gad\u012bjumiem<\/h3>\n<p>\u0160is ir l\u0113t\u0101kais un vienk\u0101r\u0161\u0101kais apdro\u0161in\u0101\u0161anas veids. Tas neapdro\u0161ina slim\u012bbas, tikai traumas.<\/p>\n<p>\u0160\u012bs polises nodro\u0161ina fiks\u0113tu summu par katru nelaimes gad\u012bjuma traumu, lai pal\u012bdz\u0113tu apmaks\u0101t \u0101rst\u0113\u0161anu, bet bie\u017ei vien t\u0101s p\u0101rtrauc maks\u0101jumus p\u0113c 12 m\u0113ne\u0161iem.<\/p>\n<h2><strong>Ko apdro\u0161ina m\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161ana?<\/strong><\/h2>\n<p>T\u0101 apdro\u0161ina veterin\u0101r\u0101rsta pakalpojumu un medic\u012bniskos izdevumus no 1000 l\u012bdz 25 000 eiro.<\/p>\n<p>Papildus veterin\u0101r\u0101rsta izmaksu seg\u0161anai liel\u0101k\u0101 da\u013ca poli\u0161u sedz ar\u012b \u0161\u0101dus gad\u012bjumus:<\/p>\n<h3>N\u0101ve negad\u012bjum\u0101 vai slim\u012bbas d\u0113\u013c<\/h3>\n<p>Ja j\u016bsu m\u0101jdz\u012bvnieks mirst, j\u016bs varat piepras\u012bt summu, kas atspogu\u013co to, ko j\u016bs samaks\u0101j\u0101t par m\u0101jdz\u012bvnieku, vai t\u0101 finansi\u0101lo v\u0113rt\u012bbu.<\/p>\n<p>Liel\u0101kaj\u0101 da\u013c\u0101 poli\u0161u ir noteikts maksim\u0101lais vecums, l\u012bdz kuram var izmantot \u0161o apdro\u0161in\u0101\u0161anas da\u013cu \u2013 visbie\u017e\u0101k tas ir apm\u0113ram asto\u0146i gadi, bet var b\u016bt ar\u012b tikai pieci gadi.<\/p>\n<h3>M\u0101jdz\u012bvnieka pazu\u0161anas segums<\/h3>\n<p>Liel\u0101k\u0101 da\u013ca apdro\u0161in\u0101\u0161anas poli\u0161u sedz izdevumus par plak\u0101tu izvieto\u0161anu un atl\u012bdz\u012bbas izmaksu, ja j\u016bsu m\u0101jdz\u012bvnieks paz\u016bd.<\/p>\n<h3>Tre\u0161o personu atbild\u012bba<\/h3>\n<p>Ja jums ir suns, j\u016bsu m\u0101jdz\u012bvnieka apdro\u0161in\u0101\u0161anas polise sedz izdevumus, ja j\u016bsu suns k\u0101dam nodara traumas vai boj\u0101 vi\u0146a \u012bpa\u0161umu.<\/p>\n<p>Tas sedz juridiskos izdevumus un kompens\u0101ciju.<\/p>\n<h3>Ce\u013cojumu segums \u0101rzem\u0113s<\/h3>\n<p>Liel\u0101k\u0101 da\u013ca apdro\u0161in\u0101\u0161anas poli\u0161u sedz j\u016bsu m\u0101jdz\u012bvnieka medic\u012bniskos izdevumus, ja tas saslimst, iek\u013c\u016bst negad\u012bjum\u0101 vai nepiecie\u0161ama veterin\u0101r<\/p>\n<p>Daudzi apdro\u0161in\u0101t\u0101ji pied\u0101v\u0101 ar\u012b segt ce\u013cojuma un naktsm\u012btnes izmaksas, ja jums n\u0101kas atcelt atva\u013cin\u0101jumu, jo j\u016bsu m\u0101jdz\u012bvnieks ir saslimis ar dz\u012bv\u012bbai b\u012bstamu slim\u012bbu tie\u0161i pirms do\u0161an\u0101s ce\u013c\u0101.<\/p>\n<h3>Ka\u0137u un su\u0146u pansijas izmaksas<\/h3>\n<p>Ja j\u016bs esat hospitaliz\u0113ts un neviens cits nevar r\u016bp\u0113ties par j\u016bsu m\u0101jdz\u012bvnieku, apdro\u0161in\u0101t\u0101ji parasti sedz m\u0101jdz\u012bvnieka uztur\u0113\u0161an\u0101s izmaksas ka\u0137u vai su\u0146u pansij\u0101.<\/p>\n<p>Parasti jums j\u0101atrodas slimn\u012bc\u0101 vismaz divas l\u012bdz \u010detras dienas p\u0113c k\u0101rtas.<\/p>\n<h3>Eitan\u0101zija, krem\u0101cija un apbed\u012b\u0161ana<\/h3>\n<p>J\u016bsu polise var segt izmaksas par m\u0101jdz\u012bvnieka eitan\u0101ziju un krem\u0101ciju vai apbed\u012b\u0161anu.<\/p>\n<h3>Zob\u0101rstniec\u012bbas apdro\u0161in\u0101\u0161ana<\/h3>\n<p>Liel\u0101k\u0101 da\u013ca apdro\u0161in\u0101t\u0101ju pied\u0101v\u0101 apdro\u0161in\u0101\u0161anu, ja j\u016bsu m\u0101jdz\u012bvniekam nepiecie\u0161ama zob\u0101rstniec\u012bbas pal\u012bdz\u012bba. Da\u017eas polises sedz tikai zob\u0101rstniec\u012bbas izmaksas, kas radu\u0161\u0101s traumas d\u0113\u013c, un nesedz zob\u0101rstniec\u012bbas izmaksas, kas saist\u012btas ar slim\u012bbu.<\/p>\n<p>T\u0101s polises, kas sedz \u0161\u012bs izmaksas, parasti nosaka, ka j\u016bsu m\u0101jdz\u012bvniekam reizi gad\u0101 j\u0101<\/p>\n<h2><strong>Kas ir izsl\u0113gts no m\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161anas polis\u0113m?<\/strong><\/h2>\n<p>T\u0101l\u0101k ir uzskait\u012bti da\u017ei standarta iz\u0146\u0113mumi no polis\u0113m. Izlasiet savas polises noteikumus un nosac\u012bjumus, lai p\u0101rliecin\u0101tos, ka jums ir viss nepiecie\u0161amais segums.<\/p>\n<h3>Iepriek\u0161 eso\u0161as slim\u012bbas vai traumas<\/h3>\n<p>Iepriek\u0161 eso\u0161a slim\u012bba past\u0101v\u0113ja pirms j\u016bs nosl\u0113dz\u0101t polisi vai rad\u0101s \u012bsi p\u0113c polises \u201egaid\u012b\u0161anas perioda\u201d (skat\u012bt zem\u0101k). T\u0101s iedala div\u0101s kategorij\u0101s:<\/p>\n<ul>\n<li><b>Hroniskas saslim\u0161anas<\/b>: past\u0101v\u012bgas probl\u0113mas, kas j\u016bsu m\u0101jdz\u012bvniekam ir jau apdro\u0161in\u0101\u0161anas polises nosl\u0113g\u0161anas br\u012bd\u012b, piem\u0113ram, sirds saslim\u0161anas vai g\u016b\u017eas displ\u0101zija.<\/li>\n<li><b>Iepriek\u0161\u0113j\u0101s saslim\u0161anas<\/b>: saslim\u0161anas vai traumas, no kur\u0101m j\u016bsu m\u0101jdz\u012bvnieks vairs necie\u0161, piem\u0113ram, sadzied\u0113tas audu traumas vai saslim\u0161anas.<\/li>\n<\/ul>\n<p>Liel\u0101k\u0101 da\u013ca apdro\u0161in\u0101t\u0101ju izsl\u0113dz iepriek\u0161\u0113j\u0101s saslim\u0161anas no jaun\u0101s apdro\u0161in\u0101\u0161anas seguma. Tom\u0113r da\u017eas no t\u0101m var tikt iek\u013cautas, ja j\u016bsu m\u0101jdz\u012bvniekam nav bijusi nepiecie\u0161ama \u0101rst\u0113\u0161ana \u0161o saslim\u0161anu d\u0113<\/p>\n<p>Citi potenci\u0101li segs da\u017eas j\u016bsu m\u0101jdz\u012bvnieka saslim\u0161anas p\u0113c medic\u012bnisk\u0101s p\u0101rbaudes, kas \u013cauj vi\u0146iem izprast risku l\u012bdz\u012bgi k\u0101 vesel\u012bbas un ce\u013cojumu apdro\u0161in\u0101t\u0101jiem.<\/p>\n<h3>Saslim\u0161anas \u201cgaid\u012b\u0161anas period\u0101\u201d<\/h3>\n<p>Liel\u0101k\u0101 da\u013ca apdro\u0161in\u0101t\u0101ju nesedz saslim\u0161anas, kas s\u0101kas pirmaj\u0101s 10 l\u012bdz 14 dien\u0101s p\u0113c apdro\u0161in\u0101\u0161anas polises nosl\u0113g\u0161anas.<\/p>\n<p>Da\u017ei no tiem atbr\u012bvo no \u0161\u012b nosac\u012bjuma, ja j\u016bs p\u0101riet no cita apdro\u0161in\u0101t\u0101ja, lai j\u016bsu segum\u0101 neb\u016btu \u201cp\u0101rtraukuma\u201d.<\/p>\n<h3>Rut\u012bnveida un profilaktisk\u0101 \u0101rst\u0113\u0161ana<\/h3>\n<p>\u0100rst\u0113\u0161ana, piem\u0113ram, vakcin\u0101cija, steriliz\u0101cija, kastr\u0101cija, blusu, t\u0101rpu un \u0113r\u010du \u0101rst\u0113\u0161ana, kop\u0161ana, nagu grie\u0161ana un zobu kop\u0161ana, bie\u017ei vien netiek iek\u013cauta segum\u0101.<\/p>\n<h3>Gr\u016btniec\u012bba un dzemd\u012bbas<\/h3>\n<p>Polises var neiek\u013caut izdevumus, kas rodas gr\u016btniec\u012bbas, dzemd\u012bbu un p\u0113cn\u0101c\u0113ju \u0101rst\u0113\u0161anas d\u0113\u013c.<\/p>\n<h3><strong>Vai vec\u0101kus m\u0101jdz\u012bvniekus var apdro\u0161in\u0101t?<\/strong><\/h3>\n<p>Apdro\u0161in\u0101\u0161anas komp\u0101nijas uzskata ka\u0137us un su\u0146us, kas vec\u0101ki par asto\u0146iem gadiem, par \u201evec\u0101kiem m\u0101jdz\u012bvniekiem\u201d. T\u0101diem m\u0101jdz\u012bvniekiem k\u0101 tru\u0161i \u0161is vecums samazin\u0101s l\u012bdz apm\u0113ram pieciem gadiem, bet zirgiem tas var sasniegt pat 20 gadus.<\/p>\n<p>M\u0101jdz\u012bvniekiem novecojot, palielin\u0101s risks saslimt vai g\u016bt traumas, kas var izrais\u012bt d\u0101rg\u0101kus atl\u012bdz\u012bbas piepras\u012bjumus.<\/p>\n<p>Lai segtu \u0161o papildu risku, apdro\u0161in\u0101t\u0101ji, visticam\u0101k, pras\u012bs augst\u0101ku maksu par vec\u0101ku dz\u012bvnieku apdro\u0161in<\/p>\n<p>Joproj\u0101m ir iesp\u0113jams atrast konkur\u0113tsp\u0113j\u012bgas apdro\u0161in\u0101\u0161anas polises vec\u0101kiem m\u0101jdz\u012bvniekiem, bet <a href=\"https:\/\/staging.moneyhub.ee\/en\/insurance\/pet-insurance\/\">ir svar\u012bgi sal\u012bdzin\u0101t pied\u0101v\u0101jumus<\/a>.<\/p>\n<p><u>\u0145emiet v\u0113r\u0101 \u0161\u0101dus aspektus:<\/u><\/p>\n<ul>\n<li>Ja j\u016bsu m\u0101jdz\u012bvnieks iepriek\u0161 ir slimojis vai sa\u0146\u0113mis veterin\u0101ro apr\u016bpi, p\u0101rliecinieties, vai jaunaj\u0101 polis\u0113 nav iz\u0146\u0113mumu, lai saprastu, par ko j\u016bs maks\u0101jat.<\/li>\n<li>Neaizmirstiet par pa\u0161risku.<\/li>\n<li>Apdro\u0161in\u0101t\u0101ji parasti piem\u0113ro augst\u0101ku pa\u0161risku, \u201el\u012bdzmaks\u0101jumu\u201d vai abus vec\u0101kiem m\u0101jdz\u012bvniekiem. L\u012bdzmaks\u0101jums ir gad\u012bjums, kad apdro\u0161in\u0101t\u0101js nemaks\u0101 noteiktu procentu no atl\u012bdz\u012bbas izmaks\u0101m. Vec\u0101kiem dz\u012bvniekiem tas var sasniegt pat 25 %.<\/li>\n<\/ul>\n<h2><b>K\u0101das ir alternat\u012bvas m\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161anai?<\/b><\/h2>\n<p>Ja v\u0113laties aizsarg\u0101t savu m\u0101jdz\u012bvnieku, ir vair\u0101kas alternat\u012bvas m\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161anai. T\u0101s ietver.<\/p>\n<h3>Pa\u0161apdro\u0161in\u0101\u0161ana<\/h3>\n<p>Pa\u0161apdro\u0161in\u0101t savu m\u0101jdz\u012bvnieku noz\u012bm\u0113 ietaup\u012bt noteiktu naudas summu, lai segtu iesp\u0113jam\u0101s veterin\u0101r\u0101rsta izmaksas.<\/p>\n<p>Pa\u0161apdro\u0161in\u0101\u0161an\u0101s gad\u012bjum\u0101 ir svar\u012bgi apsv\u0113rt, cik daudz j\u016bs re\u0101li varat at\u013cauties atlicin\u0101t un tur\u0113t fond\u0101, lai aizsarg\u0101tu savu m\u0101jdz\u012bvnieku.<\/p>\n<p>Pa\u0161apdro\u0161in\u0101\u0161an\u0101s risks ir tas, ka jums var n\u0101kties segt liel\u0101kas veterin\u0101r\u0101rsta izmaksas nek\u0101 j\u016bs esat ietaup\u012bjis.<\/p>\n<p>Piem\u0113ram, g\u016b\u017eas displ\u0101zija, kad j\u016bsu m\u0101jdz\u012bvniekam ir j\u0101nomaina abas g\u016b\u017eas, var izmaks\u0101t apm\u0113ram 7000 eiro.<\/p>\n<h3>Labdar\u012bbas organiz\u0101cijas un cita pal\u012bdz\u012bba<\/h3>\n<p>Ja j\u016bs nevarat at\u013cauties m\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161anu, \u0161\u0101das organiz\u0101cijas var pal\u012bdz\u0113t ar m\u0101jdz\u012bvnieku \u0101rst\u0113\u0161anu:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.eprs.ee\/\" target=\"_blank\" rel=\"noopener\">Igaunijas m\u0101jdz\u012bvnieku gl\u0101b\u0161anas biedr\u012bba<\/a><\/li>\n<li><a href=\"https:\/\/www.pets.ee\/eng\/\" target=\"_blank\" rel=\"noopener\">Dz\u012bvnieku patversmes Tallin\u0101 un Narv\u0101<\/a><\/li>\n<li><a href=\"https:\/\/varjupaik.ee\/en\" target=\"_blank\" rel=\"noopener\">Dz\u012bvnieku patversmes NVO (Varjupaikade MT\u00dc)<\/a><\/li>\n<li><a href=\"https:\/\/loomadevarjupaik.eu\/en\/\" target=\"_blank\" rel=\"noopener\">Tartu Koduta Loomade Varjupaik<\/a><\/li>\n<li><a href=\"https:\/\/www.armastanaidata.ee\/en\/donation\/animals-and-nature\/let-s-help-estonia-s-animals\" target=\"_blank\" rel=\"noopener\">Ma Armastan Aidata<\/a><\/li>\n<\/ul>\n<h2><strong>What is pet insurance?<br \/><\/strong><\/h2>\n<p><a href=\"https:\/\/staging.moneyhub.ee\/en\/insurance\/pet-insurance\/\"><span style=\"font-weight: 400\">Pet insurance<\/span><\/a><span style=\"font-weight: 400\"> helps you cover the cost of treatment when a pet is injured or ill. Insurers will also usually pay out if your pet dies, is lost or stolen or damages property.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Our experts have analysed some of the best cat insurance and best dog insurance policies, and thousands of policyholders have rated the customer service of the biggest companies to find the best pet insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400\">We explain how pet insurance works, what to watch out for and what&#8217;s excluded from policies.<\/span><\/p>\n<h2><strong>What are the main types of pet insurance?<\/strong><\/h2>\n<h3>\u00a0<\/h3>\n<h3>Lifetime cover pet insurance<\/h3>\n<p><span style=\"font-weight: 400\">Lifetime policies are the most popular and the most comprehensive type of insurance. As the name suggests, they will pay out indefinitely for treatment over your pet&#8217;s lifetime, subject to annual limits.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Lifetime policies can work in different ways. Annual policies pay up to a specified vet fee, say \u20ac5,000 each year.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Another type of lifetime policy is per-condition, per-year cover. With this, you&#8217;d get an annual limit for each condition, for example, 42,000 per year for claims related to your cat&#8217;s diabetes.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Other lifetime policies do a bit of both: They pay a limited annual amount (such as \u20ac10,000) and a smaller annual benefit for any single condition (perhaps \u20ac2,000).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">So, using those figures, you could make up to five claims of up to \u20ac2,000 in the year if your pet required treatment for five unconnected conditions, but you&#8217;d only get \u20ac2,000 towards a succession of costs involved in treating one illness.<\/span><\/p>\n<p><span style=\"font-weight: 400\">With all types of policies, the higher the limit, the more expensive the premium. However, whatever this limit is, with a lifetime policy, you can rely on the insurer to make an ongoing contribution towards the costs of your pet&#8217;s conditions.<\/span><\/p>\n<h3>Non-lifetime cover pet insurance<\/h3>\n<p><span style=\"font-weight: 400\">The non-lifetime cover is less comprehensive and excludes certain conditions after you hit your claims limit.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">There are two main types of non-lifetime insurance: per-condition cover (often referred to as &#8216;max benefit&#8217;) and time-limited cover.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Per-condition pet insurance pays a limited amount for each condition, and once the limit is reached, the insurer stops covering it.<\/span><\/p>\n<p><span style=\"font-weight: 400\">For example, suppose your cat has an eye infection and your per-condition cover limit for this is \u20ac5,000, once that limit is reached. In that case, the insurer will no longer pay for claims related to the eye infection, even after you renew your policy.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Time-limited cover will have both monetary and time limits \u2013 typically 12 months from the beginning of your claim \u2013 before the condition is excluded.<\/span><\/p>\n<h3>\u00a0<\/h3>\n<h3>Accident-only pet insurance<\/h3>\n<p><span style=\"font-weight: 400\">This is the cheapest and most basic type of insurance. It does not cover illnesses, only injuries.<\/span><\/p>\n<p><span style=\"font-weight: 400\">These policies provide a fixed sum for each accidental injury to help pay for treatment, but they often stop paying after 12 months.\u00a0<\/span><\/p>\n<h2>\u00a0<\/h2>\n<h2><strong>What does pet insurance cover ?<\/strong><\/h2>\n<p><span style=\"font-weight: 400\">It covers vet fees and medical expenses, ranging from \u20ac1,000 to \u20ac25,000.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">In addition to vet fee cover, most policies cover the following:<\/span><\/p>\n<h3>Death by accident or illness<\/h3>\n<p><span style=\"font-weight: 400;font-size: 16px\">If your pet dies, you can claim for an amount reflecting what you paid for the pet or its financial value.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Most policies have a maximum age at which this part of the cover can be used \u2013 around eight years is relatively common, but it can be as low as five.<\/span><\/p>\n<h3>Missing pet cover<\/h3>\n<p><span style=\"font-weight: 400;font-size: 16px\">Most policies contribute to the costs of putting up posters and paying a reward if your pet goes missing.<\/span><\/p>\n<h3>Third-party liability<\/h3>\n<p><span style=\"font-weight: 400;font-size: 16px\">If you have a dog, your pet insurance policy should pay out if your dog injures someone or damages their property.<\/span><\/p>\n<p><span style=\"font-weight: 400\">This covers legal costs and compensation.<\/span><\/p>\n<h3>Overseas travel cover<\/h3>\n<p><span style=\"font-weight: 400;font-size: 16px\">Most policies cover your pet&#8217;s medical expenses if it falls ill, is involved in an accident or needs veterinary treatment abroad.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Many insurers also offer cover for lost travel and accommodation costs if you&#8217;re forced to cancel a holiday because your pet becomes life-threateningly ill when you&#8217;re due to leave.<br \/><\/span><\/p>\n<h3>\u00a0<\/h3>\n<h3>Cattery and kennel fees<\/h3>\n<p><span style=\"font-weight: 400\">If you&#8217;re hospitalised and no one else can look after your pet, providers usually pay for the pet&#8217;s stay in a cattery or kennel.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">You must usually be in hospital for at least two to four consecutive days.<\/span><\/p>\n<h3>\u00a0<\/h3>\n<h3>Euthanasia, cremation and burial<\/h3>\n<p><span style=\"font-weight: 400\">Your policy may cover the costs of your pet being put to sleep and cremation or burial.<\/span><\/p>\n<h3>\u00a0<\/h3>\n<h3>Dental cover<\/h3>\n<p><span style=\"font-weight: 400\">Most insurers offer cover if your pet needs dental work. Some policies will only cover dental treatment resulting from an injury and won&#8217;t pay for dental costs related to illness.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Those that do usually make the cover contingent on your pet receiving dental check-ups once a year.<\/span><\/p>\n<h2><strong>What is excluded from pet insurance policies?<\/strong><\/h2>\n<p><span style=\"font-weight: 400\">The following are some of the standard exclusions from policies. Read the T&amp;Cs of your policy to ensure you have all the coverage you need.<\/span><\/p>\n<h3><span style=\"font-weight: 400\">Pre-existing illness or injury<\/span><\/h3>\n<p><span style=\"font-weight: 400\">A pre-existing medical condition existed before you took out a policy or arose shortly in the policy&#8217;s &#8216;waiting period&#8217; (see below). They fall into two categories:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>Chronic conditions<\/b><span style=\"font-weight: 400\">: Ongoing problems your pet has when you take out your policy, such as heart conditions or hip dysplasia.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Historic conditions<\/b><span style=\"font-weight: 400\">: Illnesses or injuries your pet no longer suffers from, such as healed tissue injuries or illnesses.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\"><br \/>Most providers exclude pre-existing conditions from new coverage. However, some may be allowed if your pet has not required treatment for these conditions or shown symptoms for a certain period (for instance, two years).<\/span><\/p>\n<p><span style=\"font-weight: 400\">Others will potentially cover some of your pet&#8217;s conditions after a medical screening process, enabling them to understand the risk similarly to health and travel insurers.<\/span><\/p>\n<h3>Illnesses in the &#8216;waiting period&#8217;<\/h3>\n<p><span style=\"font-weight: 400\">Most providers don&#8217;t cover illnesses that begin within the first 10 to 14 days of taking out a policy.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">A few will waive this if you switch to them from another insurer, so you don&#8217;t have a &#8216;gap&#8217; in your cover.\u00a0<\/span><\/p>\n<h3>\u00a0<\/h3>\n<h3><span style=\"font-weight: 400\">Routine and preventative treatment<\/span><\/h3>\n<p><span style=\"font-weight: 400\">Treatments such as vaccinations, spaying, castration, flea, worm and tick treatments, grooming, claw clipping and teeth maintenance are often excluded from cover.<\/span><\/p>\n<h3>\u00a0<\/h3>\n<h3><span style=\"font-weight: 400\">Pregnancy and giving birth<\/span><\/h3>\n<p><span style=\"font-weight: 400\">Policies may exclude expenses arising from pregnancy, giving birth and treating any offspring.<\/span><\/p>\n<h3><strong>Can older pets be insured?<\/strong><\/h3>\n<p><span style=\"font-weight: 400\">Insurance companies treat cats and dogs over eight as \u2018older pets\u2019. For pets such as rabbits, this decreases to around five years, which could be as high as 20 years for horses.<\/span><\/p>\n<p><span style=\"font-weight: 400\">As your pet ages, they&#8217;re more likely to fall ill or suffer an injury that could lead to a more expensive claim.<\/span><\/p>\n<p><span style=\"font-weight: 400\">To cover this additional risk, insurers will likely charge more to insure older animals than younger ones.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Finding competitive policies for older pets is still possible, but <\/span><a href=\"https:\/\/staging.moneyhub.ee\/en\/insurance\/pet-insurance\/\"><span style=\"font-weight: 400\">shopping around is essential<\/span><\/a><span style=\"font-weight: 400\">.\u00a0<\/span><\/p>\n<h4>\u00a0<\/h4>\n<p><span style=\"text-decoration: underline\"><span style=\"font-weight: 400\">Consider the following:\u00a0<\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400\">If your pet has had any illness or veterinary treatment in the past, be sure to check whether any exclusions apply to the new policy so you understand what you&#8217;re paying for.<\/span><\/li>\n<li><span style=\"font-weight: 400\">Don&#8217;t overlook the excess.\u00a0<\/span><\/li>\n<li><span style=\"font-weight: 400\">Insurers typically impose higher excesses, &#8216;co-payments&#8217;, or both, on older pets. A co-payment is when the insurer does not pay a certain percentage of the claim&#8217;s cost. For older animals, these can be as much as 25%.<\/span><\/li>\n<\/ul>\n<h4>\u00a0<\/h4>\n<h2><strong>What are the alternatives to pet insurance?<\/strong><\/h2>\n<p><span style=\"font-weight: 400\">There are several alternatives to pet insurance if you want to protect your pet. These include.<\/span><\/p>\n<h3>\u00a0<\/h3>\n<h3><span style=\"font-weight: 400\">Self-insurance<\/span><\/h3>\n<p><span style=\"font-weight: 400\">Self-insuring your pet means saving a set amount of money to pay for potential vet bills.<\/span><\/p>\n<p><span style=\"font-weight: 400\">With self-insurance, it\u2019s essential to consider how much you can realistically afford to put aside and keep in a fund to protect your pet.<\/span><\/p>\n<p><span style=\"font-weight: 400\">The risk of self-insuring is that you could run into higher veterinary costs than the amount you&#8217;ve saved.<\/span><\/p>\n<p><span style=\"font-weight: 400\">For example, hip dysplasia \u2013 where your pet needs both hips replaced \u2013 could cost around \u20ac7,000.<\/span><\/p>\n<h3>\u00a0<\/h3>\n<h3><span style=\"font-weight: 400\">Charities and other help<\/span><\/h3>\n<p><span style=\"font-weight: 400\">If you can\u2019t afford pet insurance, the following groups may help with some treatment to pets:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><a href=\"https:\/\/www.eprs.ee\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">Estonian Pet Rescue Society<\/span><\/a><\/li>\n<li style=\"font-weight: 400\"><a href=\"https:\/\/www.pets.ee\/eng\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">Animal shelters in Tallinn and Narva<\/span><\/a><\/li>\n<li style=\"font-weight: 400\"><a href=\"https:\/\/varjupaik.ee\/en\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">Animal Shelters NGO (Varjupaikade MT\u00dc)<\/span><\/a><\/li>\n<li style=\"font-weight: 400\"><a href=\"https:\/\/loomadevarjupaik.eu\/en\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">Tartu Koduta Loomade Varjupaik<\/span><\/a><\/li>\n<li style=\"font-weight: 400\"><a href=\"https:\/\/www.armastanaidata.ee\/en\/donation\/animals-and-nature\/let-s-help-estonia-s-animals\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">Ma Armastan Aidata<\/span><\/a><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Uzziniet, ko sedz su\u0146u un ka\u0137u apdro\u0161in\u0101\u0161ana, k\u0101das apdro\u0161in\u0101\u0161anas polises varat izv\u0113l\u0113ties un k\u0101di ir bie\u017ei sastopami iz\u0146\u0113mumi, uz kuriem j\u0101piev\u0113r\u0161 uzman\u012bba.<\/p>\n","protected":false},"author":3,"featured_media":22408,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":""},"categories":[76],"tags":[],"class_list":["post-22407","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-raksti"],"acf":[],"blog_post_layout_featured_media_urls":{"thumbnail":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/01\/pet-insurance-150x150.jpg",150,150,true],"full":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/01\/pet-insurance-scaled.jpg",2560,1704,false]},"categories_names":{"76":{"name":"Raksti","link":"https:\/\/staging.moneyhub.ee\/lv\/category\/useful-info\/raksti\/"}},"tags_names":[],"comments_number":"0","rttpg_featured_image_url":{"full":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/01\/pet-insurance-scaled.jpg",2560,1704,false],"landscape":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/01\/pet-insurance-scaled.jpg",2560,1704,false],"portraits":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/01\/pet-insurance-scaled.jpg",2560,1704,false],"thumbnail":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/01\/pet-insurance-150x150.jpg",150,150,true],"medium":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/01\/pet-insurance-300x200.jpg",300,200,true],"large":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/01\/pet-insurance-1024x681.jpg",800,532,true],"1536x1536":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/01\/pet-insurance-1536x1022.jpg",1536,1022,true],"2048x2048":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/01\/pet-insurance-2048x1363.jpg",2048,1363,true]},"rttpg_author":{"display_name":"David Bailey","author_link":"https:\/\/staging.moneyhub.ee\/lv\/author\/davidbailey\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/staging.moneyhub.ee\/lv\/category\/useful-info\/raksti\/\" rel=\"category tag\">Raksti<\/a>","rttpg_excerpt":"Uzziniet, ko sedz su\u0146u un ka\u0137u apdro\u0161in\u0101\u0161ana, k\u0101das apdro\u0161in\u0101\u0161anas polises varat izv\u0113l\u0113ties un k\u0101di ir bie\u017ei sastopami iz\u0146\u0113mumi, uz kuriem j\u0101piev\u0113r\u0161 uzman\u012bba.","_links":{"self":[{"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts\/22407","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/comments?post=22407"}],"version-history":[{"count":4,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts\/22407\/revisions"}],"predecessor-version":[{"id":22412,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts\/22407\/revisions\/22412"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/media\/22408"}],"wp:attachment":[{"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/media?parent=22407"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/categories?post=22407"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/tags?post=22407"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}