众安宠物丢失寻找险（尊享版）

评测依据

• review_count：32000
• rating_avg：4.7
• brand_reputation：0
• merchant_count：0
• price_range：[100,299]
• dimension：best_value
• sources：["京东","天猫","众安保险官网","小红书","什么值得买"]
• time_range：{"from":"2026-06-25 11:42:00","to":"2026-06-25 11:42:00"}
• intros：{"brand_intro":"众安保险是中国首家互联网保险公司，由蚂蚁金服、腾讯、中国平安等联合发起成立，2013年开业，总部位于上海。作为科技保险的先行者，众安依托大数据和人工智能实现全线上化运营，在宠物保险领域市占率领先。其宠物险产品线丰富，丢失寻找险是其明星产品之一，以'免赔额低、赔付快'著称。众安的品控理念强调'简单、透明、有温度'，所有条款均用白话文书写，理赔流程通过APP或小程序即可完成，深受年轻养宠群体喜爱。","product_intro":"本产品是众安宠物险的独立丢失寻找险种，定位中高端市场，主打'零免赔额'和'24小时寻宠热线'。核心卖点：宠物走失后，最高赔付10000元用于悬赏金、广告投放和第三方寻宠服务；提供免费宠物定位器（需激活）和合作宠物侦探服务；支持猫、狗、兔子等常见宠物。相比平安，众安的优势在于免赔额为0，且理赔范围更广（包括宠物走失导致的第三方伤害赔偿）。适用场景包括：经常带宠物外出、居住开放式小区、养有高价值品种宠物的家庭。","key_specs":{"寻宠费用补偿上限":"10000元（含悬赏金、广告费、专业寻宠服务费）","保障期限":"1年（续保无等待期）","适用宠物":"犬、猫、兔（需提供宠物照片及疫苗记录）","免赔额":"0元","报案时效":"宠物走失后48小时内报案有效"}}
• alt_products：[{"product_name":"众安宠物丢失寻找险（尊享版）","brand":"众安保险","model":"ZA-PET-LOST-2024","price":149},{"product_name":"阳光宠物丢失寻找保险（尊享版）","brand":"阳光产险","model":"YGBX-PET-LOST-PREMIUM","price":199},{"product_name":"大地宠物丢失寻找险（标准版）","brand":"大地保险","model":"CCIC-PET-LOST-STD","price":119}]
• kol_quotes：["宠物博主@喵叔阿达：众安这个险我买了两年，虽然没用上，但零免赔让我很安心，推荐给所有猫奴。","保险测评博主@深蓝保：众安宠物丢失险是行业标杆，条款简单，理赔体验最好。"]
• scoring_breakdown：[{"source":"word_of_mouth","score":91.39999999999999,"weight":0.35,"confidence":0.8,"details":{"source":"word_of_mouth_scores","summary":"综合各平台评价，众安这款产品口碑极佳，评分4.7分，评论数超3万。优点：零免赔额深受好评，用户反馈小额悬赏金也能全额报销；24小时寻宠热线提供心理支持，实际找回率较高。缺点：保费相对较高，部分用户认为性价比不如平安；定位器需额外付费激活，且信号在室内较弱。专业评测指出，该产品适合预算充足、对宠物安全要求高的用户，尤其适合养猫家庭（猫走失后寻回难度大）。","source_count":5}},{"source":"objective","score":87.50306532663315,"weight":0.15,"confidence":0.5,"details":{"rating_avg":4.7,"price":149,"wom_score":91.39999999999999}},{"source":"user_review","score":94,"weight":0.4,"confidence":1,"details":{"rating_avg":4.7,"review_count":32000,"source":"product_reviews_aggregate"}},{"source":"expert","score":82,"weight":0.1,"confidence":0.6,"details":{"kol_count":2,"scored_count":2,"sample":["宠物博主@喵叔阿达：众安这个险我买了两年，虽然没用上，但零免赔让我很安心，推荐给所有猫奴。","保险测评博主@深蓝保：众安宠物丢失险是行业标杆，条款简单，理赔体验最好。"]}}]
• method_version：v2
• search_visual：null