京东安联宠物住院医疗险（爱宠保）

评测依据

• review_count：18000
• rating_avg：4.7
• brand_reputation：0
• merchant_count：0
• price_range：[300,799]
• dimension：best_quality
• sources：["京东","天猫","小红书","什么值得买"]
• time_range：{"from":"2026-06-25 11:41:53","to":"2026-06-25 11:41:53"}
• intros：{"brand_intro":"京东安联财产保险有限公司由京东集团与德国安联集团合资成立，2018年正式运营。安联集团是全球最大的保险和资产管理公司之一，拥有130年历史。京东安联依托京东的电商生态和安联的国际精算经验，在宠物保险领域主打\"高端服务\"，产品包含宠物第三者责任险、宠物死亡补偿等特色责任。公司以\"科技+服务\"为双轮驱动，理赔流程支持AI定损和视频核保。","product_intro":"京东安联爱宠保尊享版是一款高端宠物住院险，年保费680元，保额2万元，覆盖住院、手术、ICU、甚至宠物第三者责任（如宠物咬人）。核心卖点是\"含第三者责任\"，这是其他竞品少有的功能。适用场景包括宠物住院治疗+意外伤人赔偿。相比众安和平安，京东安联的优势在于保障更全面，但价格最高，且合作医院数量中等（4000家）。","key_specs":{"年保费":"680元起","保额":"2万元/年","免赔额":"0元","赔付比例":"80%","合作医院数量":"4000+家","适用宠物年龄":"3个月-10岁"}}
• alt_products：[{"product_name":"京东安联宠物住院医疗险（爱宠保）","brand":"京东安联","model":"爱宠保尊享版","price":680},{"product_name":"众安宠物住院保（宠物医疗险）","brand":"众安保险","model":"基础版/升级版","price":399},{"product_name":"平安宠物住院医疗保险（爱宠无忧版）","brand":"平安保险","model":"爱宠无忧版","price":580}]
• kol_quotes：[]
• scoring_breakdown：[{"source":"word_of_mouth","score":89.39999999999999,"weight":0.35,"confidence":0.8,"details":{"source":"word_of_mouth_scores","summary":"京东安联爱宠保在什么值得买上评分极高，用户称\"除了贵没毛病\"。专业评测认为其第三者责任险是差异化亮点，适合养大型犬的家庭。小红书上有用户分享\"狗咬人赔了3000，保险全报\"的案例，引发热议。缺点方面，部分用户反映\"条款复杂\"，且理赔时需要提供宠物疫苗接种证明。京东上好评率97%，差评集中在\"保费每年上涨\"和\"部分医院不支持直赔\"。","source_count":4}},{"source":"objective","score":92.16,"weight":0.15,"confidence":0.8,"details":{"rating_avg":4.7,"review_count":18000,"wom_score":89.39999999999999}},{"source":"user_review","score":94,"weight":0.4,"confidence":1,"details":{"rating_avg":4.7,"review_count":18000,"source":"product_reviews_aggregate"}}]
• method_version：v3
• search_visual：null