寵物險
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Q1 因有牙周病而必須洗牙，這洗牙費用能理賠嗎? | Is dental cleaning due to periodontal disease covered by insurance?
條款有約定治療口腔疾病(包括牙齒、牙齦或舌部)所生之費用屬除外責任，但因傷害所致者不在此限。
The policy stipulates that treatment costs for oral diseases (including teeth, gums, or tongue) are excluded from coverage, except for those resulting from injury.
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Q2 毛小孩打架算不算侵權責任? | Is pet fighting considered a liability incident?
如狗狗雙方打架造成對方狗狗受傷，符合造成第三人財物損害定義，若對方求償即可申請理賠。
If fighting between dogs results in injury to another dog, it meets the definition of third-party property damage and can be claimed if compensation is sought.
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Q3 毛小孩產生侵權問題，對方若要來申請理賠要提供什麼證明文件? | What documentation is required for third-party claims in pet liability cases?
一、理賠申請書。
二、和解書、調解書、法院確定判決書、仲裁判斷書等損害賠償責任確定之證明文件。
三、被保險人的身分證明。
四、必要時本公司得要求提供事故證明文件或憲警單位處理證明文件。
1. Claim application form.
2. Settlement agreement, mediation document, final court judgment, arbitration award, or other liability confirmation documents.
3. Insured's identification.
4. Incident reports or police documentation if required by the company. -
Q4 動物醫院有針灸治療，是否算在醫療費用內? | Is acupuncture treatment at veterinary hospitals covered under medical expenses?
如獸醫院為政府登記合格營業之獸醫院，因非除外項目之疾病接受治療，可申請門診費用補償保險金，但治療行為須為因疾病或意外傷害造成，預防性治療不在承保範圍內。
Treatment at government-registered veterinary hospitals is eligible for outpatient expense compensation if treating non-excluded conditions. Treatment must be for illness or accidental injury; preventive treatments are not covered.
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Q5 寵物醫療補償保險金所指的50%、70%與80%的項目為何? | What do the 50%, 70%, and 80% compensation rates refer to in pet medical insurance?
依照實際醫療費用收據乘以補償比例即為理賠金額，最高理賠金額以保單所載理賠金額為限。
The claim amount is calculated by multiplying actual medical expense receipts by the compensation rate, subject to policy limits.
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Q6 所謂的寵物的疾病範圍有哪些?所有疾病都可以申請理賠嗎 | What illnesses are covered for pets? Are all illnesses eligible for claims?
請參考保單條款規範，除外項目不在理賠範圍內。
Please refer to policy terms and conditions; excluded items are not covered.
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Q7 詢問寵物險是否投保之後狗狗生病就有給付醫療費用? | Does pet insurance cover medical expenses immediately after policy purchase when pets get sick?
因疾病有等待期及相關除外不保項目，請參閱相關保單條款規範。
Illness coverage has waiting periods and exclusions; please refer to policy terms and conditions.
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Q8 侵權的部分如果咬傷別人的狗也算嗎? | Does liability coverage include biting another person's dog?
算，狗狗視為財物損害。
Yes, dogs are considered property damage.
