{"id":367969,"date":"2026-02-06T19:07:41","date_gmt":"2026-02-06T18:07:41","guid":{"rendered":"https:\/\/zakrasnejsivimperk.cz\/?p=367969"},"modified":"2026-02-06T19:07:41","modified_gmt":"2026-02-06T18:07:41","slug":"dtest-pojisteni-mazlicku-kdo-taha-za-kratsi-konec-voditka","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=367969","title":{"rendered":"dTest: Poji\u0161t\u011bn\u00ed mazl\u00ed\u010dk\u016f. Kdo tah\u00e1 za krat\u0161\u00ed konec vod\u00edtka"},"content":{"rendered":"<h4>N\u00e1klady na veterin\u00e1rn\u00ed p\u00e9\u010di rostou a n\u00e1v\u0161t\u011bva veterin\u00e1\u0159e m\u016f\u017ee vypr\u00e1zdnit pen\u011b\u017eenku majitel\u016f mazl\u00ed\u010dk\u016f v\u00edce, ne\u017e by \u010dekali. Operace, hospitalizace nebo specializovan\u00e1 diagnostika dnes m\u016f\u017ee vyj\u00edt i na des\u00edtky tis\u00edc korun. Poji\u0161t\u011bn\u00ed proto l\u00e1k\u00e1 st\u00e1le v\u00edce majitel\u016f dom\u00e1c\u00edch mazl\u00ed\u010dk\u016f. \u00a0Jednotliv\u00e9 produkty se v\u0161ak mohou v\u00fdrazn\u011b li\u0161it \u2013 a tyto rozd\u00edly mohou b\u00fdt pro spot\u0159ebitele z\u00e1sadn\u00ed.<\/h4>\n<h6><strong>Co je poji\u0161t\u011bn\u00ed mazl\u00ed\u010dk\u016f?<\/strong><\/h6>\n<p><em><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-131630 alignright\" src=\"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/05\/29\/logo-dtest-114x300.jpg\" alt=\"\" width=\"114\" height=\"300\" srcset=\"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/05\/29\/logo-dtest-114x300.jpg 114w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/05\/29\/logo-dtest.jpg 126w\" sizes=\"(max-width: 114px) 100vw, 114px\" \/>\u201eZ\u00e1kladem poji\u0161t\u011bn\u00ed mazl\u00ed\u010dk\u016f je obvykle \u00fahrada n\u00e1klad\u016f na veterin\u00e1rn\u00ed o\u0161et\u0159en\u00ed ps\u016f a ko\u010dek v p\u0159\u00edpad\u011b \u00farazu nebo nemoci,\u201c<\/em>\u00a0uv\u00e1d\u00ed Eduarda Hek\u0161ov\u00e1, \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest, a dod\u00e1v\u00e1: \u201e<em>Poji\u0161\u0165ovny zpravidla v\u00a0p\u0159\u00edpad\u011b \u00farazu nebo nemoci mazl\u00ed\u010dka po ode\u010dten\u00ed spolu\u00fa\u010dasti hrad\u00ed vy\u0161et\u0159en\u00ed, diagnostiku, l\u00e9ky, operace i n\u00e1slednou p\u00e9\u010di, v\u017edy v\u0161ak pouze do sjednan\u00e9ho ro\u010dn\u00edho limitu. V\u00fd\u0161e pln\u011bn\u00ed se li\u0161\u00ed podle tarifu a \u010dasto se pohybuje v \u0159\u00e1dech des\u00edtek a\u017e stovek tis\u00edc korun ro\u010dn\u011b. N\u011bkter\u00e9 poji\u0161\u0165ovny omezuj\u00ed o\u0161et\u0159en\u00ed a l\u00e9\u010den\u00ed zv\u00ed\u0159ete pouze na smluvn\u00ed za\u0159\u00edzen\u00ed, nejedn\u00e1-li se o zran\u011bn\u00ed nebo nemoc, kter\u00e1 dom\u00e1c\u00edho mazl\u00ed\u010dka bezprost\u0159edn\u011b ohro\u017euje na \u017eivot\u011b.\u201c<\/em><\/p>\n<p>Pojistku lze roz\u0161\u00ed\u0159it i o kryt\u00ed pro p\u0159\u00edpad smrti zv\u00ed\u0159ete. N\u011bkter\u00e9 poji\u0161\u0165ovny nav\u00edc krom\u011b zdravotn\u00edho poji\u0161t\u011bn\u00ed nab\u00edzej\u00ed tak\u00e9 poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu, kterou zv\u00ed\u0159e zp\u016fsob\u00ed t\u0159et\u00ed osob\u011b. V\u00a0r\u00e1mci nadstandardn\u00edho kryt\u00ed si lze u n\u011bkter\u00fdch poji\u0161\u0165oven roz\u0161\u00ed\u0159it rozsah poji\u0161t\u011bn\u00ed. Naopak preventivn\u00ed p\u00e9\u010de, jako je o\u010dkov\u00e1n\u00ed, kastrace, od\u010derven\u00ed nebo b\u011b\u017en\u00e9 kontroly, b\u00fdv\u00e1 z pojistky v\u011bt\u0161inou vylou\u010dena.<\/p>\n<h6><strong>Jak se hrad\u00ed veterin\u00e1rn\u00ed p\u00e9\u010de?<\/strong><\/h6>\n<p><em>\u201eZ\u00e1sadn\u00ed rozd\u00edly panuj\u00ed tak\u00e9 v tom, jak\u00fdm zp\u016fsobem se veterin\u00e1rn\u00ed p\u00e9\u010de hrad\u00ed,\u201c\u00a0<\/em>sd\u011bluje Eduarda Hek\u0161ov\u00e1. U v\u011bt\u0161iny poji\u0161\u0165oven plat\u00ed majitel zv\u00ed\u0159ete veterin\u00e1\u0159i z\u00e1krok ze sv\u00e9ho a teprve n\u00e1sledn\u011b \u017e\u00e1d\u00e1 poji\u0161\u0165ovnu o proplacen\u00ed n\u00e1klad\u016f. K \u017e\u00e1dosti mus\u00ed dolo\u017eit faktury, l\u00e9ka\u0159sk\u00e9 zpr\u00e1vy a dal\u0161\u00ed dokumenty. Poji\u0161\u0165ovna pot\u00e9 pln\u00ed a\u017e po jejich kontrole, zpravidla se zapo\u010dten\u00edm spolu\u00fa\u010dasti. Nev\u00fdhodou tohoto poji\u0161t\u011bn\u00ed je, \u017ee majitel mazl\u00ed\u010dka mus\u00ed nejprve v\u0161e uhradit a \u010dasto disponovat i nemalou \u010d\u00e1stkou, ani\u017e m\u00e1 jistotu, zda poji\u0161\u0165ovna pojistn\u00e9 pln\u011bn\u00ed poskytne.<\/p>\n<p>Men\u0161\u00ed \u010d\u00e1st trhu nab\u00edz\u00ed i model p\u0159\u00edm\u00e9 \u00fahrady veterin\u00e1\u0159i, kdy poji\u0161\u0165ovna zaplat\u00ed o\u0161et\u0159en\u00ed p\u0159\u00edmo jemu. Pro spot\u0159ebitele je to komfortn\u011bj\u0161\u00ed varianta, proto\u017ee nemus\u00ed disponovat v\u011bt\u0161\u00edm finan\u010dn\u00edm obnosem ani \u0159e\u0161it administrativu spojenou s likvidac\u00ed pojistn\u00e9 ud\u00e1losti a zjist\u00ed p\u0159\u00edmo u veterin\u00e1\u0159e, zda poji\u0161\u0165ovna z\u00e1krok hrad\u00ed.\u00a0 Tento zp\u016fsob je ale obvykle omezen na s\u00ed\u0165 smluvn\u00edch veterin\u00e1\u0159\u016f, proto je dobr\u00e9 si ov\u011b\u0159it, zda takov\u00e9ho veterin\u00e1\u0159e m\u00e1te ve sv\u00e9m okol\u00ed. V akutn\u00edch p\u0159\u00edpadech lze vyu\u017e\u00edt i nesmluvn\u00ed veterin\u00e1\u0159e, u nich\u017e v\u0161ak z\u00e1krok mus\u00ed hradit majitel s\u00e1m a a\u017e n\u00e1sledn\u011b jej uplatnit u sv\u00e9 poji\u0161\u0165ovny.<\/p>\n<h6><strong>Pozor na v\u00fdluky a podm\u00ednky<\/strong><\/h6>\n<p>Spot\u0159ebitel\u00e9 by si m\u011bli d\u00e1t pozor tak\u00e9 na v\u00fdluky z poji\u0161t\u011bn\u00ed. Poji\u0161\u0165ovny b\u011b\u017en\u011b nehrad\u00ed onemocn\u011bn\u00ed a \u00farazy, kter\u00e9 existovaly p\u0159ed uzav\u0159en\u00edm smlouvy, genetick\u00e9 vady nebo pot\u00ed\u017ee vznikl\u00e9 v \u010dekac\u00ed dob\u011b. Podm\u00ednkou sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed b\u00fdv\u00e1 mikro\u010dip, platn\u00e9 o\u010dkov\u00e1n\u00ed a v\u011bkov\u00fd limit zv\u00ed\u0159ete v dob\u011b vstupu do poji\u0161t\u011bn\u00ed.<\/p>\n<p>P\u0159ed podpisem smlouvy se proto vyplat\u00ed pe\u010dliv\u011b pro\u010d\u00edst pojistn\u00e9 podm\u00ednky, porovnat limity pln\u011bn\u00ed, spolu\u00fa\u010dasti i zp\u016fsob \u00fahrady veterin\u00e1rn\u00ed p\u00e9\u010de.\u00a0<em>\u201ePoji\u0161t\u011bn\u00ed mazl\u00ed\u010dk\u016f m\u016f\u017ee majitel\u016fm v\u00fdrazn\u011b pomoci zvl\u00e1dnout ne\u010dekan\u00e9 v\u00fddaje,\u201c<\/em>\u00a0uzav\u00edr\u00e1 Eduarda Hek\u0161ov\u00e1.<\/p>\n<p>Pokud maj\u00ed spot\u0159ebitel\u00e9 ot\u00e1zky k\u00a0tomuto t\u00e9matu, mohou se obr\u00e1tit na bezplatnou spot\u0159ebitelskou poradnu dTestu, a to elektronicky na\u00a0<strong><a href=\"http:\/\/www.dtest.cz\/spotrebitelska-poradna?&amp;utm_source=&amp;utm_medium=&amp;newsletter_id=31689&amp;email_id=1291212&amp;email_hash=36260b9d366a29a4d445f090cc4da4b0\" target=\"_blank\" rel=\"noopener\">www.dtest.cz\/spotrebitelska-poradna<\/a><\/strong>\u00a0nebo telefonicky na \u010d\u00edslo 299 149 009.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><sub><em>dTest, o.p.s. je nejv\u011bt\u0161\u00ed \u010deskou spot\u0159ebitelskou organizac\u00ed, kter\u00e1 v\u00a0\u010cR p\u016fsob\u00ed ji\u017e od roku 1992. Je vydavatelem spot\u0159ebitelsk\u00e9ho \u010dasopisu dTest, na jeho\u017e str\u00e1nk\u00e1ch jsou publikov\u00e1ny v\u00fdsledky nez\u00e1visl\u00fdch a objektivn\u00edch test\u016f produkt\u016f, varov\u00e1n\u00ed p\u0159ed nebezpe\u010dn\u00fdmi a zdravotn\u011b z\u00e1vadn\u00fdmi v\u00fdrobky, informace o spot\u0159ebitelsk\u00fdch pr\u00e1vech a rady, jak tato pr\u00e1va \u00fa\u010dinn\u011b uplat\u0148ovat. dTest je sou\u010d\u00e1st\u00ed mezin\u00e1rodn\u00ed organizace International Consumer Research and Testing (ICRT) a\u00a0evropsk\u00e9 spot\u0159ebitelsk\u00e9 organizace BEUC.<\/em><\/sub><\/li>\n<li><sub><em>Poradensk\u00e1 linka \u010dasopisu dTest \u2013 299 149\u00a0009 \u2013 je v\u00a0provozu ka\u017ed\u00fd pracovn\u00ed den od 9 do 17 hodin a spot\u0159ebitel\u00e9 na n\u00ed mohou konzultovat s\u00a0pr\u00e1vn\u00edmi poradci dTestu nejr\u016fzn\u011bj\u0161\u00ed spot\u0159ebitelsk\u00e9 probl\u00e9my, a to za cenu b\u011b\u017en\u00e9ho tarifu vol\u00e1n\u00ed. Od spu\u0161t\u011bn\u00ed v\u00a0roce 2010 t\u00e9to mo\u017enosti vyu\u017eily ji\u017e desetitis\u00edce spot\u0159ebitel\u016f a poradensk\u00e1 linka \u010dasopisu dTest se tak stala prvn\u00ed a nejvyhled\u00e1van\u011bj\u0161\u00ed cestou k\u00a0\u0159e\u0161en\u00ed pot\u00ed\u017e\u00ed, se kter\u00fdmi se z\u00e1kazn\u00edci na trhu setk\u00e1vaj\u00ed.<\/em><\/sub><\/li>\n<\/ul>\n<p><strong>dTest<\/strong><\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>N\u00e1klady na <\/p>\n","protected":false},"author":2,"featured_media":367970,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"gallery","meta":{"footnotes":""},"categories":[87],"tags":[],"jetpack_featured_media_url":"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2026\/02\/06\/ram-dtest.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/367969"}],"collection":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=367969"}],"version-history":[{"count":1,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/367969\/revisions"}],"predecessor-version":[{"id":367971,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/367969\/revisions\/367971"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/367970"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=367969"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=367969"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=367969"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}