What are the precautions I should consider with when making plan change decision for Pawfect Care Insurance?

In case you first enrolled your pet with Pawfect Care Plus Plan when it’s 1 year old, the annual maximum coverage amount is HKD40,000. Your insured pet will enjoy lifelong coverage (including chronic illnesses) according to Plus Plan as long as you maintain and renew its policy every year. 

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If you upgrade its plan to Ultra Plan from Plus Plan when it reached 5 years old or above, the enhanced coverage (HKD40,000) from Plus Plan (HKD40,000) to Ultra Plan (HKD80,000) will only be effective after the related waiting period has passed. 

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After the policy upgrade, if the insured pet is diagnosed with the chronic illness(es) listed in the policy wording within the coverage period, it will be entitled to enjoy the coverage according to the upgraded plan (in this example, HKD80,000). However, starting from the next period of insurance and onwards, the diagnosed disease can only be covered lifelong according to the original plan (in this example, Plus Plan – HKD40,000). 

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Rest assured that other diseases/medical conditions that are not listed in the “Chronic Illnesses” (Kindly refer to page 5 of the current version of the policy wording sample here: https://odhk.blob.core.windows.net/pet/PetPolicyv3.pdf) can still be protected under Ultra Plan coverage after the related waiting period has passed. 

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Below is an example to help you better understand the terms of the policy plan upgrade: 

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Ponyo initially enrolled at age of 3 under Essential Plan (Essential Plan’s annual maximum coverage amount: HKD30,000). While comparing to Plus and Ultra Plan, Essential Plan does not cover consultation and specialist consultation expenses. 

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By reaching the age of 4, Ponyo was unfortunately diagnosed with chronic renal disease. According to the policy terms and conditions, as the initial enrolment age was below 4 years old, she is entitled to lifetime medical coverage for “Chronic renal disease” as long as her owner maintains its policy valid by continual renewal. 

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When Ponyo reached age of 5, her owner decided to upgrade its plan to Ultra Plan upon renewal to provide all-round protection for her. The annual maximum coverage amount for Ultra Plan is HKD80,000, with eligible medical expenses including consultation and specialist consultation expenses covered. But the enhanced coverage will only be effective after passing over relating waiting period. 

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By age of 8, Ponyo was newly diagnosed with chronic eye disease. She can then enjoy the coverage of consultation and specialist consultation expenses as well as the Ultra Plan’s medical coverage for chronic eye disease (chronic illnesses). 

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When Ponyo reached 9 years old, the medical coverage for her chronic renal disease and chronic eye disease is only entitled to the coverage of Essential Plan (Essential Plan’s annual maximum coverage amount: HKD30,000). Meanwhile, other eligible medical expenses for general diseases (including, consultation and specialist consultation expenses), will maintain protection according to Ultra Plan’s coverage. 

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Please consider the above example as a reference only. The actual circumstance should always refer to respective plan coverage; terms and conditions; and the medical conditions of that insured pet. In case of any disputes, OneDegree reserves the right to final decision. Should you have any inquiries, please feel free to contact our Customer Services for assistance.