平安宠物皮肤病医疗保险（尊享版）

评测依据

• review_count：9500
• rating_avg：4.7
• brand_reputation：0
• merchant_count：0
• price_range：[300,799]
• dimension：best_value
• sources：["京东","天猫"]
• time_range：{"from":"2026-06-26 01:23:40","to":"2026-06-26 01:23:40"}
• intros：{"brand_intro":"平安产险是中国平安保险集团旗下核心子公司，成立于1988年，是国内第二大财产保险公司。公司拥有完善的线下服务网络和强大的数字化理赔系统，在宠物保险领域推出多款分级产品，以高保额、低免赔和快速响应赢得市场口碑。","product_intro":"该产品为高端皮肤病保障计划，覆盖真菌、细菌、寄生虫、过敏性皮炎等20余种皮肤病。单次最高报销5000元，年累计15000元，免赔额仅100元，报销比例80%。包含免费在线兽医问诊服务，支持全国5000+定点医院直赔。","key_specs":["适用对象：2个月至10周岁宠物猫/狗","保障额度：单次最高5000元，年累计15000元","免赔额：100元/次","报销比例：80%（定点医院）","等待期：15天（皮肤病）","附加服务：免费在线兽医问诊3次/年"]}
• alt_products：[{"product_name":"平安宠物皮肤病医疗保险（尊享版）","brand":"平安产险","model":"PA-PET-SKIN-PREMIUM-2024","price":399}]
• kol_quotes：["宠物医生@李医生：平安这款产品免赔额低，适合反复发作的皮肤病，推荐给养长毛猫的家长。","养宠达人@猫狗双全：报销速度很快，提交后第二天就到账了，客服也很专业。"]
• scoring_breakdown：[{"source":"word_of_mouth","score":90.6,"weight":0.35,"confidence":0.8,"details":{"source":"word_of_mouth_scores","summary":"用户评价集中在高保额和低免赔的优势上，尤其适合皮肤病高发品种（如金毛、英短）。多位用户提到在线问诊功能实用，能提前判断病情。少数用户反映部分偏远地区合作医院较少，需提前确认。整体满意度约94%，续保率超过80%。","source_count":2}},{"source":"objective","score":88.65809619238476,"weight":0.15,"confidence":0.5,"details":{"rating_avg":4.7,"price":399,"wom_score":90.6}},{"source":"user_review","score":94,"weight":0.4,"confidence":1,"details":{"rating_avg":4.7,"review_count":9500,"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@李医生：平安这款产品免赔额低，适合反复发作的皮肤病，推荐给养长毛猫的家长。","养宠达人@猫狗双全：报销速度很快，提交后第二天就到账了，客服也很专业。"]}}]
• method_version：v2
• search_visual：null