Can I bring my pet to any vet in Hong Kong under your plan?

Yes, your pet can visit any registered vet in Hong Kong. If your vet of choice is part of our vet network, the reimbursement rate is 90%. For non-network clinics, the rate is 70%. The difference is because we have cooperation agreements with our network 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.