隨著寵物飼養普及與飼主對寵物醫療需求的提升，傳統寵物保險產品逐漸難以滿足多元化需求，本研究旨在透過潛在消費者探討寵物保險險種及保障項目之設計，識別影響消費者選擇的關鍵變數，透過問卷調查法，並使用相關係數、T檢定、二元邏輯斯迴歸進行分析，迴歸結果顯示，投保通路偏好對於寵物險選擇具有顯著影響，無論在寵物險種或保障項目中均顯著，此外對於險種選擇之影響，是否投保寵物險和寵物健康狀況在部分險種中成立，寵物疾病則對保障項目選擇的影響為部分成立。

As pet ownership becomes more widespread and pet owners' demand for veterinary care increases, traditional pet insurance products are gradually failing to meet diverse needs. This study aims to explore the design of pet insurance and the coverage item from the perspective of potential consumers, identifying key variables that influence consumer choices. A questionnaire survey was conducted, and data were analyzed using correlation coefficients, T-tests, and binary logistic regression. The regression results show that preference for insurance purchase channels has a significant impact on pet insurance choices, significant for both insurance types and coverage items. Additionally, in terms of the influence on insurance type choices, whether the pet owner has previously insured their pet and the pet's health status are significant for some insurance types, while pet diseases have a partial impact on the choice of coverage items.

目錄
目錄	I
圖目錄	III
表目錄	IV
第一章 緒論	1
第一節	研究背景	1
第二節	研究動機與目的	4
第三節	本文架構	6
第二章 文獻回顧	7
第一節	訊息不對稱	7
第二節	碎片化保險之探討	14
第三節	寵物保險之概述	23
第三章 研究資料	34
第一節	樣本資料來源	34
第二節	敘述性統計分析	35
第三節	相關性分析	45
第四節	T檢定	65
第四章 結果與分析	67
第一節	研究假說	67
第二節	研究方法	68
第三節	二元羅吉斯廻歸分析	70
第五章 結論與建議	76
第一節	研究結論	76
第二節	研究限制及建議	77
參考文獻	78
附錄	89
附錄1.	變數定義	89
附錄2.	問卷設計	90
附錄3.	迴歸結果	94

圖目錄
圖1 1  2018~2023年寵物保險保費收入與賠款率	3
圖1‑2  2018~2023年各年度貓狗登記隻數	4

表目錄
表3-1 人口分布	35
表3-2居住地	36
表3-3家庭人口與年所得	37
表3-4飼養寵物數	37
表3-5寵物種類	38
表3-6寵物體況資料	39
表3-7寵物年齡	39
表3-8寵物就醫原因	40
表3-9犬、貓就醫原因排名百分比	41
表3-10就診頻率與醫療費用百分比	41
表3-11慢性疾病排名百分比	42
表3-12理賠次數百分比	43
表3-13自負額意願程度	44
表3- 14人口、寵物變數與就醫、理賠之相關性	46
表3- 15人口、寵物特徵與購買保險考量風險之相關性	49
表3- 16人口、寵物特徵與購買寵物保險之相關性	51
表3- 17人口特徵與購買寵物醫療項目之相關性	54
表3- 18寵物特徵與購買寵物醫療項目之相關性	55
表3- 19通路偏好與購買保險考量風險排序之相關性	56
表3- 20通路偏好與有限預算下寵物保險之排序之相關性	58
表3- 21通路偏好與寵物醫療保險項目之相關性	59
表3- 22自負額與寵物醫療保險項目之相關性	60
表3- 23慢性疾病與疾病風險考量相關性	61
表3- 24季節性險種差異與寵物保險排序相關性	61
表3- 25就醫頻率、年醫療費與購買寵物醫療項目之相關性	62
表3- 26理賠與購買寵物醫療項目之相關性	63
表3- 27就醫原因與購買寵物醫療項目之相關性	64
表3- 28有投保和未投保者寵物保險排序差異	65
表3- 29有投保和未投保者醫療項目排序差異	66
表4- 1假說彙整	68
表4- 2假說驗證彙整表	75

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