Pet CEO Plan®
Unbeatable Protection, Lifelong Care
The one and only Pet CEO Plan® in town
No sublimits with up to 90% reimbursement¹
No sublimits with up to 90% reimbursement¹ for eligible expenses at network clinics, and 70%¹ at non-network clinics, for pets 1 year or older at enrollment.
Medical coverage up to HKD 100,000, the highest in Hong Kong²
Enjoy four plan options with Pet CEO Plan®, offering medical coverage up to HKD 100,000 annually—the highest in Hong Kong²—and accessible at all registered vets.
Additional Feline Infectious Peritonitis (FIP) coverage³
Upgrade your Pet CEO Plan® with FIP additional coverage³ for cats aged 1 year or older: reimburses 70% of the costs for prescribed FIP treatment medication GS-441524, offers up to HK$25,000 in additional coverage, and supports treatment courses of up to 84 days.
MRI and CT coverage
Pet CEO Plan® Prestige Plan now includes MRI and CT⁴, ensuring timely, precise diagnoses without the fear of high costs.
Enroll at or before age of 11 for lifetime renewal
Pet CEO Plan® coverage for cats and dogs from 13 weeks to 11 years of any breed, with no microchip or health check required, and no age limit on renewal⁵ for lifelong peace of mind.
Lifetime coverage for chronic illnesses
We provide lifetime coverage of chronic illnesses to pets that enrolled at or before age 4, including allergies, chronic kidney failure, and cancer⁶.
Cash benefit for cancer⁷
With Pet CEO Plan®, if your pet is diagnosed with cancer for the first time, you receive medical coverage plus a one-time HKD 10,000 cash benefit to support you through this challenge.
Additional critical illness cash benefit⁸
Add a critical illness cash benefit to protect your qualified pet. In the event of your pet's first diagnosis of epilepsy, or if your pet suffers from limb paralysis or dislocation of the patella due to accident or illness, Pet CEO Plan® provides a HKD10,000 one-off cash to help ease your financial burden.
Pet CEO Plan®
Unbeatable Protection, Lifelong Care
Enroll on or before 31 Jul 2025 to enjoy 20% off your first year’s premium! Please refer to the T&Cs at the bottom of the page.
Enter your pet's info and get a quote instantly
Reference Plan
Optional
2. Calculation of the insured age: Insured age is based on your pet's age at its last birthday. For example, if the pet is 1 year and 10 months old, please select 1 year old; if the pet is less than 1 year old, please select 13 weeks to 11 months, and so on.
What’s not covered?
Why do you need pet insurance?
Do you know that it costs HK$680,000* to raise a pet for its entire life? Veterinary fees and medication expenses account for 17.2% of that cost!
Insurance can protect against unknown medical expenses for pets, relieving your stress
Ingestion of foreign objects
Average medical expenses
Uterine abscess
Average medical expenses
Pulmonary edema
Average medical expenses
Pulmonary infection
Average medical expenses
Urinary tract infection
Average medical expenses
Gastric dilation-volvulus syndrome
Average medical expenses
Atlantoaxial dislocation
Average medical expenses
Humerus fracture
Average medical expenses
Diagnosis
General, Specialist and 24-hour clinic consultation fee
Laboratory test
X-ray and ultrasound, blood and urine testing, stool examination, histopathology (tissue biopsy) testing, and fine needle aspiration (FNA) testing
Prescription medication
Costs for prescription medications, bandaging, and injectable medications prescribed by a registered veterinarian
Surgery
Surgical fees and related expenses
Overnight hospitalization fee
The overnight stay refers to hospitalization time extending beyond midnight; if admission and discharge occur on the same day, it is not covered within the scope of protection
Cancer and supplementary critical illness cash benefit
Additional lump sum cash benefit
Protect the health of your furry kid
Cases and claims
In March, the owner purchased the Pet CEO Plan® for Takoyaki, a 1-year-old short-haired cat.
In September, Takoyakil experienced hair loss, redness, and other issues. The owner took Takoyakil to a veterinarian within the OneDegree network for consultation, and it was ultimately diagnosed with atopic dermatitis.
Atopic dermatitis is a chronic condition that involves various expenses for diagnosis, treatment, laboratory tests, and medication. During the policy period, the owner spent a total of HK$30,000.
Fortunately, the owner had purchased Pet CEO Plan® for Takoyaki, which allows for a maximum claim of 90% for visits to network clinics. As a result, the owner only needed to bear:
In August, the owner purchased the Pet CEO Plan® for Pumpkin, a 3-year-old Shiba Inu.
In February, Pumpkin continuously vomited and showed a loss of appetite due to ingesting a foreign object (a sock). The owner took Pumpkin to an emergency veterinary clinic, where the veterinarian immediately conducted X-rays and other examinations. It was determined that Pumpkin had an intestinal obstruction and required surgery.
Including laboratory fees, X-rays, consultation fees, medication, hospitalization costs, and surgical expenses, along with follow-up consultation fees, the medical expenses for Pumpkin's intestinal obstruction amounted to HKD62,000.
Due to Pumpkin's coverage under the Pet CEO Plan® and the ability to claim up to 90% when visiting network clinic, the owner only needed to bear:
The owner started purchasing the Pet CEO Plan® for Miumiu, a British Shorthair cat, 3 years ago.
After 3 years, Miumiu developed swelling and discharge in the breast tissue, requiring treatment at the veterinary clinic. After undergoing X-rays and tissue biopsy examinations, it was determined that Miumiu had been diagnosed with breast cancer due to not being spayed. She needed to undergo surgery for tumor removal and receive chemotherapy.
The total medical expenses for Miumiu (including surgery and hospitalization costs, among others) amounted to HK$95,500. Since Miumiu received treatment from our network clinic, the pet owner can claim up to 90% of the expenses. Therefore, the owner only needs to bear HKD9,550.
Additionally, Miumiu is eligible for a cancer cash benefit of up to HKD10,000, allowing the pet owner to freely arrange how to support Miumiu through this difficult time.
In March, the owner purchased the Pet CEO Plan® for Takoyaki, a 1-year-old short-haired cat.
In September, Takoyakil experienced hair loss, redness, and other issues. The owner took Takoyakil to a veterinarian within the OneDegree network for consultation, and it was ultimately diagnosed with atopic dermatitis.
Atopic dermatitis is a chronic condition that involves various expenses for diagnosis, treatment, laboratory tests, and medication. During the policy period, the owner spent a total of HK$30,000.
Fortunately, the owner had purchased Pet CEO Plan® for Takoyaki, which allows for a maximum claim of 90% for visits to network clinics. As a result, the owner only needed to bear:
In August, the owner purchased the Pet CEO Plan® for Pumpkin, a 3-year-old Shiba Inu.
In February, Pumpkin continuously vomited and showed a loss of appetite due to ingesting a foreign object (a sock). The owner took Pumpkin to an emergency veterinary clinic, where the veterinarian immediately conducted X-rays and other examinations. It was determined that Pumpkin had an intestinal obstruction and required surgery.
Including laboratory fees, X-rays, consultation fees, medication, hospitalization costs, and surgical expenses, along with follow-up consultation fees, the medical expenses for Pumpkin's intestinal obstruction amounted to HKD62,000.
Due to Pumpkin's coverage under the Pet CEO Plan® and the ability to claim up to 90% when visiting network clinic, the owner only needed to bear:
The owner started purchasing the Pet CEO Plan® for Miumiu, a British Shorthair cat, 3 years ago.
After 3 years, Miumiu developed swelling and discharge in the breast tissue, requiring treatment at the veterinary clinic. After undergoing X-rays and tissue biopsy examinations, it was determined that Miumiu had been diagnosed with breast cancer due to not being spayed. She needed to undergo surgery for tumor removal and receive chemotherapy.
The total medical expenses for Miumiu (including surgery and hospitalization costs, among others) amounted to HK$95,500. Since Miumiu received treatment from our network clinic, the pet owner can claim up to 90% of the expenses. Therefore, the owner only needs to bear HKD9,550.
Additionally, Miumiu is eligible for a cancer cash benefit of up to HKD10,000, allowing the pet owner to freely arrange how to support Miumiu through this difficult time.
Diagnosis
General / Specialist / 24-hour clinic consultation fee
Submit a claim
Submitting a claim is very simple. Just take a photo of the receipts and other relevant documents, upload them to the website, and answer a few simple questions to complete the claim application.
Receive compensation
For any successful claim application, the compensation amount will be directly deposited into the bank account you provide.
Diagnosis
General / Specialist / 24-hour clinic consultation fee
Submit a claim
Submitting a claim is very simple. Just take a photo of the receipts and other relevant documents, upload them to the website, and answer a few simple questions to complete the claim application.
Receive compensation
For any successful claim application, the compensation amount will be directly deposited into the bank account you provide.
Experience the fast claims process of Pet CEO Plan® now
Frequently asked questions
What are network clinics and non-network clinics?
You see this a lot in human medical insurance too, Pet CEO Plan® Policyholders can choose to bring their pets to any registered vet that is part of OneDegree's vet network, then the max reimbursement is 90% of eligible expenses. If they visit a non-network clinic, the reimbursement rate is up to 70%. Check out our vet network.
For all new policies that are issued from 1 December 2022, if the insured pet's age is between 13 weeks to 11 months at enrollment, the 50% Reimbursement Rate (applicable to all HK registered vets) will be applied throughout the whole policy year.
Any limitation for pets to enroll with Pet CEO Plan®?
Pets from 13 weeks to 11 years old of any breed are eligible to apply for a policy, and no microchip number / proof is required upon application.
Can I file a pet's claim instantly after policy start date?
To make sure all pets obtain fair protection, most insurers setup a waiting period.
The Pet CEO Plan® follows the same guidelines: from the effective date of the policy, claims for accidents, illnesses, and the optional rider Feline Infectious Peritonitis (FIP) Additional Coverage (if applicable), can only be made after the 28-day waiting period has ended. While the waiting period for cancer (malignant), MRI and CT coverage under the Prestige Plan, and additional critical illness cash benefits (if applicable) is 180 days.
Can I enroll my pet if he/she has a diagnosed medical condition?
Regardless of whether your pet has had any prior illnesses, as a pet owner, you can insure your pet aged between 13 weeks and 11 years. During the insurance application process, we require you to disclose your pet’s medical history. Such medical history will not affect the underwriting process, yet it will be recorded as part of the insurance application. Claims decisions will be made based on the policy coverage and relevant terms. Please note that any misrepresentation, wrong description, or failure to disclose information may affect the validity of the policy.
“Pre-existing Medical Conditions”
If your pet is diagnosed with an illness or experiences health issues before the policy takes effect or during the waiting period, and such conditions are classified as pre-existing conditions as outlined in the policy terms, the pet owner will not be able to claim medical expenses arising from these conditions. For more details, please refer to the Policy Wording terms.
"Accidents and illnesses occurring during the waiting period"
Additionally, any accidents or illnesses that occur before the end of the policy's waiting period are not covered.
After the waiting period, the policy will cover medical expenses incurred from covered accidents or illnesses. Therefore, we recommend pet owners to insure their pets as early as possible, ensuring more comprehensive health coverage for your furry friend.
Will my premium increase when I renew my pet’s policy?
It's possible that the premium may be adjusted or remain unchanged* when it's time to renew your policy. Factors we consider for pricing adjustments including but not limited to:
- Collective claim experience in the preceding years by Hong Kong pet owners
- Your pet’s age at renewal#
- Average increase of the veterinary surgeon charges
As the exact renewal premium will be calculated based on the factors stated above, we therefore cannot provide preview on renewal premium beforehand. Please rest assured that if there’s any adjustment, we will indicate the renewal premium 30 days before the policy renewal. If you prefer not to renew the policy, you may stop the auto-renewal function of the policy through our online system upon receiving the renewal notice. If you do not stop such function, the policy will be automatically renewed so that your pet’s protection will not be disrupted.
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*Premium discount offered by Promo code is only applicable to the first year of a policy. The renewal premium will be calculated based by the original price according to the pet’s age.
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#Pet CEO Plan® premiums will be adjusted based on the age of the insured.
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The premium trend is for reference only, no upper age limit for renewal. The exact renewal premium indicated in the Renewal Notice shall prevail. OneDegree reserves the right of final decision.
Terms and Conditions
- Eligible medical expenses incurred at network veterinary clinics for pets aged 1 year or older. For details, please refer to the policy wordings.
- Based on market research as of July 2025, OneDegree Pet CEO Plan® Ultra Plan and Prestige Plan offer the highest annual medical coverage among six pet insurance plans available from authorized insurers in Hong Kong. This comparison is made based on information contained in the product brochures of publicly available pet insurance plans.
- Additional coverage must be selected separately, with a maximum coverage up to HK$25,000. OneDegree will reimburse 70% of the cost of prescription medications GS-441524. Feline Infectious Peritonitis (FIP) is an excluded condition under the policy. The additional coverage only applies to the extra compensation for related prescription medications GS-441524 and does not include other medical expenses such as consultation fees, tests, or hospitalization. This coverage is only applicable to cats aged 1 to 11 years and can be claimed only once in a lifetime. For full details, please refer to the policy wordings.
- Applicable to the Prestige Plan only. The cost of magnetic resonance imaging (MRI) and computed tomography (CT) is only covered if specified in the policy schedule, and is subject to the relevant waiting period. For details of coverage, terms, conditions, and exclusions of pet insurance, please refer to the policy wordings.
- OneDegree Pet CEO Plan® is available for pets aged 13 weeks to 11 years. Once successfully insured, we promise lifetime renewal. If the policyholder has made or is reasonably suspected to have made a fraudulent claim, OneDegree reserves the right not to renew the policy. For details on coverage and exclusions, please refer to the policy wordings
- Lifelong coverage for chronic illnesses is applicable if, at the time of first purchasing this policy, your pet is 4 years old or younger; and your pet has not had any chronic illnesses before insured and before the end of the relevant waiting period, and is diagnosed with a chronic illness for the first time after the waiting period. For details on chronic illnesses coverage and exclusions, please refer to the policy wordings. OneDegree reserves the right to make the final decision.
- Provided that your pet has not been diagnosed with any cancer before insured and before the end of the relevant waiting period, and is diagnosed with cancer for the first time after the waiting period, we will provide a one-off cash benefit in addition to the annual medical coverage limit. This benefit can only be claimed once in the pet's lifetime. For details on the cancer cash benefit and exclusions, please refer to the policy wordings. OneDegree reserves the right to make the final decision.
- This benefit is applicable to pets aged 1 to 9 years, provided that the pet has not been diagnosed with epilepsy, suffered from limb paralysis, or experienced dislocation of the patella due to accident or illness before enrollment and the end of the relevant waiting period. The pet must be diagnosed with the relevant condition for the first time after the waiting period. Upon meeting these conditions, we will provide a one-time cash benefit. This benefit can only be claimed once in the pet's lifetime.
