太保宠物皮肤病保险（标准版）

评测依据

• review_count：8600
• rating_avg：4.5
• brand_reputation：0
• merchant_count：0
• price_range：[100,299]
• dimension：best_quality
• sources：["京东","天猫","太平洋保险官网"]
• time_range：{"from":"2026-06-26 01:23:40","to":"2026-06-26 01:23:40"}
• intros：{"brand_intro":"太平洋保险是中国领先的综合性保险集团，成立于1991年，A+H股上市。公司拥有覆盖全国的线下服务网络和强大的理赔能力，在宠物保险领域主打\"全流程服务\"概念，从投保到理赔均有专人跟进，以专业性和稳定性赢得用户信赖。","product_intro":"该产品为标准级皮肤病保障，覆盖真菌、细菌、寄生虫、过敏性皮炎等常见皮肤病。单次最高报销3000元，年累计9000元，免赔额150元，报销比例75%。提供7×24小时客服热线和专属理赔顾问，支持全国4000+医院直赔。","key_specs":["适用对象：3个月至9周岁宠物猫/狗","保障额度：单次最高3000元，年累计9000元","免赔额：150元/次","报销比例：75%（定点医院）","等待期：20天（皮肤病）","附加服务：专属理赔顾问+7×24小时客服"]}
• alt_products：[{"product_name":"太保宠物皮肤病保险（标准版）","brand":"太平洋保险","model":"CPIC-PET-SKIN-STD-2024","price":299},{"product_name":"众安宠物皮肤病保险（基础版）","brand":"众安保险","model":"ZA-PET-SKIN-BASIC-2024","price":199}]
• kol_quotes：["宠物医生@刘医生：太平洋的服务团队很专业，理赔材料审核快，推荐给注重服务体验的宠物主。","养宠达人@布丁妈：理赔顾问全程帮忙，省心很多，会继续续保。"]
• scoring_breakdown：[{"source":"word_of_mouth","score":88.6,"weight":0.35,"confidence":0.8,"details":{"source":"word_of_mouth_scores","summary":"用户评价集中在服务专业性和理赔效率上，多数用户表示理赔顾问会主动跟进进度，体验良好。部分用户认为保额适中，适合中等治疗费用场景。少数用户反映等待期20天略长，但整体满意度约90%，续保率较高。","source_count":3}},{"source":"objective","score":89.44,"weight":0.15,"confidence":0.8,"details":{"rating_avg":4.5,"review_count":8600,"wom_score":88.6}},{"source":"user_review","score":90,"weight":0.4,"confidence":1,"details":{"rating_avg":4.5,"review_count":8600,"source":"product_reviews_aggregate"}},{"source":"expert","score":82,"weight":0.1,"confidence":0.6,"details":{"kol_count":2,"scored_count":2,"sample":["宠物医生@刘医生：太平洋的服务团队很专业，理赔材料审核快，推荐给注重服务体验的宠物主。","养宠达人@布丁妈：理赔顾问全程帮忙，省心很多，会继续续保。"]}}]
• method_version：v2
• search_visual：null