众安宠物死亡抚恤金保险（尊享版）

评测依据

• review_count：9500
• rating_avg：4.8
• brand_reputation：0
• merchant_count：0
• price_range：[300,799]
• dimension：best_value
• sources：["京东","天猫","众安保险官网","小红书","什么值得买"]
• time_range：{"from":"2026-06-25 11:42:07","to":"2026-06-25 11:42:07"}
• intros：{"brand_intro":"众安保险是中国首家互联网保险公司，由蚂蚁金服、腾讯、中国平安等联合发起成立，2013年开业，总部上海。作为数字化保险的标杆，众安以\"科技驱动、场景融合\"著称，在宠物保险领域市场份额稳居前三。其核心优势在于大数据风控（基于宠物品种、年龄、病史的精准定价）和全线上化服务（小程序投保、AI客服、自动理赔）。创始人欧亚平带领团队首创\"宠物健康档案\"系统，品控上采用\"区块链存证+智能合约\"确保理赔透明，尤其适合年轻养宠人群。","product_intro":"众安宠物死亡抚恤金保险（尊享版）定位中高端市场，提供最高10000元死亡抚恤金，并附加宠物火化/殡葬服务补贴（500元）。核心卖点：覆盖宠物走失（30天未找回视同死亡）、支持多宠家庭折扣、含宠物遗体运输费用。适用场景为纯种猫狗、老年宠物（可保至15岁）及高消费养宠家庭。相比平安基础版，众安额度更高、保障更全，且提供宠物丧葬咨询热线。","key_specs":{"抚恤金额度":"最高10000元（分三档）","适用宠物":"猫、狗（年龄1-15岁）","等待期":"7天（意外身故无等待期）","免赔额":"无","附加服务":"殡葬补贴500元、遗体运输报销（上限300元）","走失保障":"30天未找回按死亡赔付（需提供报警回执）"}}
• alt_products：[{"product_name":"众安宠物死亡抚恤金保险（尊享版）","brand":"众安保险","model":"ZA-PET-DI-2024-Pro","price":459},{"product_name":"阳光宠物死亡抚恤保险（尊享版）","brand":"阳光保险","model":"YG-PET-DI-2024-Premium","price":599},{"product_name":"太保宠物死亡抚恤保险（家庭版）","brand":"太平洋保险","model":"CPIC-PET-DI-2024-Family","price":399}]
• kol_quotes：[{"source":"B站宠物UP主@养猫老司机","quote":"众安这款尊享版，走失赔付是行业首创，养猫家庭必入。"},{"source":"知乎保险话题答主@保贝说","quote":"从条款细节看，众安对老年宠物更友好，15岁可保是亮点。"}]
• scoring_breakdown：[{"source":"word_of_mouth","score":89.39999999999999,"weight":0.35,"confidence":0.8,"details":{"source":"word_of_mouth_scores","summary":"用户口碑极佳，尤其受养猫群体欢迎。正面评价：额度高、走失保障独特、理赔速度快（平均2天）。小红书用户称赞\"走失赔付功能很人性化\"。负面反馈：等待期7天对部分用户不友好；有用户反映殡葬补贴需指定合作机构，灵活性不足。专业评测认为，该产品是当前市场性价比最高的死亡抚恤险之一，适合预算充足的家庭。","source_count":5}},{"source":"objective","score":85.33088176352703,"weight":0.15,"confidence":0.5,"details":{"rating_avg":4.8,"price":459,"wom_score":89.39999999999999}},{"source":"user_review","score":96,"weight":0.4,"confidence":1,"details":{"rating_avg":4.8,"review_count":9500,"source":"product_reviews_aggregate"}},{"source":"expert","score":82,"weight":0.1,"confidence":0.6,"details":{"kol_count":2,"scored_count":2,"sample":[{"source":"B站宠物UP主@养猫老司机","quote":"众安这款尊享版，走失赔付是行业首创，养猫家庭必入。"},{"source":"知乎保险话题答主@保贝说","quote":"从条款细节看，众安对老年宠物更友好，15岁可保是亮点。"}]}}]
• method_version：v2
• search_visual：null