平安宠物医疗保险（尊享版）

评测依据

• review_count：19200
• rating_avg：4.5
• brand_reputation：0
• merchant_count：0
• price_range：[300,799]
• dimension：best_quality
• sources：["京东","天猫"]
• time_range：{"from":"2026-06-26 01:23:40","to":"2026-06-26 01:23:40"}
• intros：{"brand_intro":"中国平安财产保险股份有限公司是中国第二大财产保险公司，隶属于中国平安保险集团，成立于1988年。公司拥有覆盖全国的服务网络和强大的品牌信誉，在宠物保险领域依托集团资源推出多档次产品，主打\"大品牌、高保障、快理赔\"，线下服务网点超5000个。","product_intro":"本产品为年度高端宠物医疗险，提供最高30000元医疗保额，覆盖疾病、意外、手术及第三方责任（如宠物伤人）。单次免赔额0元（指定医院），赔付比例80%。额外赠送宠物意外身故保障（2000元）和宠物主人意外伤害保障。支持全国超6000家合作医院直赔，并配备专属健康管理顾问。","key_specs":["适用对象：出生满90天至8周岁的健康猫/犬","年度保额：30000元","单次免赔额：0元（指定医院）","赔付比例：80%（指定医院）","等待期：疾病30天，意外10天","附加保障：第三方责任险（最高5000元）、宠物意外身故"]}
• alt_products：[{"product_name":"平安宠物医疗保险（尊享版）","brand":"平安产险","model":"PA-PET-2024-PREMIUM","price":599},{"product_name":"众安宠物医疗险（年度版）","brand":"众安保险","model":"ZA-PET-2024-ANNUAL","price":399},{"product_name":"大地宠物综合保障险（年度版）","brand":"大地保险","model":"DD-PET-2024-COMBO","price":499}]
• kol_quotes：["\"平安这款尊享版把免赔额降到0，对经常跑医院的宠物来说性价比很高。\"——知乎宠物话题答主@兽医陈博士","\"第三方责任险是亮点，养大型犬的家长可以重点考虑。\"——抖音宠物博主@金毛大熊"]
• scoring_breakdown：[{"source":"word_of_mouth","score":87,"weight":0.35,"confidence":0.8,"details":{"source":"word_of_mouth_scores","summary":"用户称赞其0免赔和高赔付比例，尤其适合需要频繁就医的宠物。品牌信任度高，理赔流程规范，但部分用户反映审核较严格，需要提供完整病历和发票。第三方责任险受到养犬用户好评。少数评价提到保费略高，但认为保障全面值得。复购率约28%。","source_count":2}},{"source":"objective","score":88.80000000000001,"weight":0.15,"confidence":0.8,"details":{"rating_avg":4.5,"review_count":19200,"wom_score":87}},{"source":"user_review","score":90,"weight":0.4,"confidence":1,"details":{"rating_avg":4.5,"review_count":19200,"source":"product_reviews_aggregate"}},{"source":"expert","score":82,"weight":0.1,"confidence":0.6,"details":{"kol_count":2,"scored_count":2,"sample":["\"平安这款尊享版把免赔额降到0，对经常跑医院的宠物来说性价比很高。\"——知乎宠物话题答主@兽医陈博士","\"第三方责任险是亮点，养大型犬的家长可以重点考虑。\"——抖音宠物博主@金毛大熊"]}}]
• method_version：v2
• search_visual：null