平安宠物医疗险（终身守护版）

评测依据

• review_count：19200
• 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 01:23:43","to":"2026-06-26 01:23:43"}
• intros：{"brand_intro":"平安产险隶属于中国平安保险集团，是国内领先的财产保险公司，拥有超过30年行业经验。依托集团综合金融优势，平安在宠物保险领域推出多款创新产品，线下服务网点覆盖全国300余城市，以\"专业、便捷、可靠\"著称，品牌信任度在宠物主中排名前列。","product_intro":"本产品提供终身医疗保障，覆盖意外、疾病、手术及第三方责任（如宠物伤人）。年度保额6万元，单次免赔额100元，报销比例80%（定点医院）。特色服务包括免费在线问诊、疫苗提醒及宠物健康档案管理。支持按月缴费，续保时保费不因理赔记录上浮，适合追求全面保障的用户。","key_specs":["对象：犬、猫（3月龄至12岁可投保）","年度保额：6万元","免赔额：100元/次","报销比例：80%（定点医院）","等待期：疾病30天，意外0天","附加服务：在线问诊、第三方责任险"]}
• alt_products：[{"product_name":"平安宠物医疗险（终身守护版）","brand":"平安产险","model":"PA-PET-LT-2024","price":459},{"product_name":"众安宠物医疗险（终身版）","brand":"众安保险","model":"ZAPET-LT-001","price":399},{"product_name":"太保宠物医疗险（终身无忧版）","brand":"太平洋保险","model":"CPIC-PET-LT-03","price":329}]
• kol_quotes：["\"平安这款产品把免赔额降到100元，对日常小病非常友好。\"——宠物保险测评师@保宠君","\"第三方责任险是加分项，养大型犬的家庭建议配置。\"——训犬师@狗爸阿强"]
• scoring_breakdown：[{"source":"word_of_mouth","score":88.5,"weight":0.35,"confidence":0.8,"details":{"source":"word_of_mouth_scores","summary":"用户高度评价其低免赔额和高报销比例，尤其对意外伤害的快速理赔印象深刻。多位宠物主提到\"免费问诊功能实用\"，节省了非紧急就医成本。部分反馈指出\"年龄限制较严格\"，12岁以上宠物无法投保。整体满意度高，常见好评包括\"品牌可靠\"\"理赔专员专业\"，少数差评涉及\"慢性病等待期较长\"。","source_count":2}},{"source":"objective","score":84.31588176352705,"weight":0.15,"confidence":0.5,"details":{"rating_avg":4.7,"price":459,"wom_score":88.5}},{"source":"user_review","score":94,"weight":0.4,"confidence":1,"details":{"rating_avg":4.7,"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":["\"平安这款产品把免赔额降到100元，对日常小病非常友好。\"——宠物保险测评师@保宠君","\"第三方责任险是加分项，养大型犬的家庭建议配置。\"——训犬师@狗爸阿强"]}}]
• method_version：v3
• search_visual：null