本人買了Blue cross 智得寵保險,上年狗狗睇了幾次醫生,剛收到續保通知,耍加LOADING 60%,原因係:due to claim history。但我搵返上年份保單睇,其中有一段寫:The renewal premium shall be reviewed by the company annually based on various factors including but not limited to the age of the insured pet and the claim experience.
有冇人可以講講有乜分別?