Key features of
Pawfect Care
Highest medical coverage in town
Dogs from 13 weeks up to 11 years old are eligible to apply for a policy. Once enrolled, there’s no age limit on renewal.
First pet insurer in town with no sublimits
It can be frustrating when your policy only lets you claim a small portion of an expensive treatment. That’s why we don’t cap how much you can claim for a specific benefit, as long as it stays within the plan’s annual coverage.
We cover all breeds
All dog breeds are eligible for coverage as we believe all dogs should be treated equally, even those that are considered high risk breeds.
We cover chronic illnesses
We provide lifetime coverage of chronic illnesses to dogs that enrolled at age 4 or below, including allergies, chronic kidney failure, and cancer.
Cash benefit for cancer
We hope your pet will never need it, but you’ll receive a one-time cash payment if your furry one does get cancer. That’s in addition to the medical costs we cover, so you can use the cash for any extra care that can help your pet feel better and get healthier soon.
Our plans
Pawfect Care reimburses up to 90% of vet bills when pets are unwell, whether from mild injuries or serious chronic illnesses. All of our plans cover the big expenses, such as surgery and hospitalization. The Plus and Ultra plans also include vet consultations, ideal for pet parents looking for comprehensive protection for their furry ones.
Please note there is a waiting period of 28 days from the policy start date for accidents and illness before coverage takes effect. The waiting period is 180 days for hereditary conditions, orthopedic conditions, chronic renal disease and cancer.
What’s not covered?
We would love to keep all our furry friends healthy, but unfortunately none of the pet insurance companies can cover treatments of pre-existing conditions (illnesses or injuries that happen before you purchase a policy or during the waiting period). Our plans also doesn’t cover spaying/neutering costs, alternative treatments, and illnesses preventable by vaccinations. Please see the complete list of exclusions here.
Check out our product brochure for more details.
Why do you need pet insurance?
Vet bills can quickly add up and put an unexpected dent in your budget. Here are some common canine medical conditions to give you an idea of how much treatments generally cost. Pet insurance can help you out with expenses so you don’t have to worry whether you can afford the best care.
Cancer
Average cost/year
HKD 29,800
These numbers may vary based on the actual conditions and the bill breakdown.
How does it work?
1. Choose a plan
Select from three options based on you and your pet’s needs. No physical exams required for enrollment.
2. See a vet
Your pet can visit any registered vet in Hong Kong. Please request a receipt that includes symptom date, diagnosis (specify illness), fee breakdown, and your pet’s name or microchip number.
3. File a claim
Takes just a few minutes to upload a photo of your receipt and submit a claim. We will handle the rest.
4. Get paid
We will review your claim as soon as possible. 90% of verified claims will be paid in 2 working days.
Frequently asked questions
What are network clinics and non-network clinics?
Policyholders can choose to bring their pets to any registered vet in Hong Kong. If they visit a clinic 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%. We don't pay the clinics, so the quality of medical care and service shouldn't be affected by whether your vet is in our network or not.
Why is the reimbursement rate for network clinics different from the rate for non-network clinics?
You see this a lot in human medical insurance too – the share of expenses your insurance company pays is often different depending if your doctor is in-network or out-of-network. For OneDegree, we have cooperation agreements with our network vet clinics to automate the claims process and make it all digital for our customers. The cost savings OneDegree gets from this is makes it possible for us to give greater reimbursements to policyholders who visit our network clinics.
Is there any limitation on who can enroll?
If you and your pet meet the below requirements, don't hesitate to take a look into our insurance plans by starting a quotation.
- Your pet has to be either a dog or a cat
- Your pet is at least 13 weeks but less than 12 years old.
- Your pet needs to be a companion pet.
- You have to be a Hong Kong resident with a valid HKID.
- You have to be at least 18 years old.
Do you cover the novel coronavirus disease (COVID-19) for pets?
Yes. We know that many pet owners are worried about how the novel coronavirus will affect their pets, so we decided to include COVID-19 coverage in Pawfect Care plans.
However, we do need to emphasize that there are currently no firm evidence to suggest that pets can get sick from the virus or spread it to humans and other animals. OneDegree is providing COVID-19 coverage because we want to give pet owners a peace of mind so they can continue taking care of their furry friends without worry. Experts suggest taking precautions as you would with other people, such as reducing contact with your pets if you're sick.
But there is still a lot we don’t know about this virus. So please be reassured that, if the situation changes, OneDegree will cover medical costs related to COVID-19 for your beloved pet.
Can I enroll my pet if he/she has a diagnosed medical condition?
Yes. If you (the pet owner) and your pet meet the eligibility requirements, you can apply for a policy for your furry friend.
However, a specified serious illness that is diagnosed before your policy start date or during waiting periods will be considered a pre-existing condition. That means you won’t be able to claim vet expenses related to that particular condition, but accidents or other health problems that occur after the policy takes effect will be covered. To ensure your pet can get the most comprehensive health protection, we encourage pet owners to insure their pets as early as possible.
Will my premium increase when I renew my pet’s policy?
Premium may be adjusted at policy renewal. We will disclose reasons for such adjustment to You. Factors We will consider for pricing adjustments include:
- Collective claim experience in the preceding years by Hong Kong pet owners
- Your pet’s age and health condition at renewal
- Veterinarian treatments’ price inflation
In rare occasions, We may decide not to renew the policy with you. We will notify You of such decision with at least 30 days in advance via app notifications, email and/or phone messages with clear explanations.
Why insure your pet with OneDegree?
Zero paperwork
Do it all online. Get a quote, buy a policy, and make claims easily from your laptop or mobile phone. Anytime, anywhere.
We don’t make you wait
90% of pet claims approved will be paid in 2 working days. Other insurers may take weeks, even months to handle claims.
Simple, in a good way
Our plans are simple and easy to understand, while giving you all the protection you need.
Pawfect Care is underwritten by OneDegree Hong Kong Limited, which is authorised and regulated by the Insurance Authority of the Hong Kong SAR.
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