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
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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.
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Pet Type
Cat
Dog
Pet Age
Breed
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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 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.
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 make a deposit directly into the bank account you provided for any successful claims.
Frequently asked questions
What are network clinics and non-network clinics?
You see this a lot in human medical insurance too, PawFect Care 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.
I’m thinking about bring my pet with us when we immigrate. Does Pawfect Care cover vet expenses outside of Hong Kong?
Pawfect Care currently doesn’t provide overseas coverage. However, we offer a one-time Pet Relocation Benefit for pet parents moving abroad with their furry friends. This benefit is applicable to any plans purchased on or before 31 December 2021. To apply, your pet’s policy must have been effective for at least one full year (you’ve renewed the policy at least once) and both you and your pet have successfully immigrated to your new home. You can see here for detail.
Any restrictions for pets to enroll with Pawfect Care?
Pets from 13 weeks to 11 years old of any breed are eligible to apply for a policy but be aware that dogs are required to be microchipped. For cats, you may provide another form of identification such as vaccination record, veterinary receipt, medical report, or pedigree certificate instead, that has your cat’s name on it.
Can I file a claim instantly after policy start date?
To make sure all pets obtain fair protection, most insurers setup waiting period. Pawfect Care also does this to prevent pet owners from buying policies after their pets get sick or injured and making claims for existing conditions.
There is a 28-day waiting period from the Policy Start Date before you can start making claims. For cancer, the waiting period is 180 days.
Can I enroll my pet if he/she has a diagnosed medical condition?
Any pet that meets the eligibility requirements can apply for a policy. However, an illness or a condition that is diagnosed before your policy start date or during waiting periods, which also listed on our policy wordings that belongs to pre-existing conditions, that means you won’t be able to claim vet expenses related to that 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?
It's possible that the premium may be adjusted when it's time to renew your policy. We will notify you in advance if there will be any changes and the reason for them. Factors we consider for pricing adjustments include:
- Collective claim experience in the preceding years by Hong Kong pet owners
- Your pet’s age at renewal
- Price inflation of vet treatments
We can assure you that we don't base premium adjustments on a policyholder's individual claim history.
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
We will make a deposit directly into the bank account you provided for any successful 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.
Terms and Conditions
1.
This promotion is valid from now until 31 May 2022 ("Promotion Period").
2.
To enjoy the 20% discount on Pawfect Care (“Offer”), underwritten by OneDegree Hong Kong Limited (“OneDegree”), customers shall enter “OFFER20” as the promo code and complete policy purchase using the designated button above within the Promotion Period. Any failure in doing so will result in loss if discount and no refunds shall be arranged afterwards.
3.
OneDegree’s system will automatically apply the Offer to applicable plans and payment mode, and display it on the website.
4.
The discounted premium will be rounded to the nearest whole number during quotation for display purposes. The actual premium payable will be shown at checkout and shall be the final amount.
5.
The Offer is only applicable to premiums for the first year of a policy.
6.
The Offer cannot be used in conjunction with any other promotional offer.
7.
For details of coverage, terms, conditions, and exclusions of Pawfect Care, please refer to the policy wordings.
8.
All matters or disputes in relation to the promotion and the interpretation of terms and conditions shall be subject to the decision of OneDegree, which shall be final and binding.
9.
In case of any discrepancy between the English and Chinese versions, the English version shall prevail.
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