Pet Insurance
isometric help

Pet Insurance

Policy Application
Plan & Coverage
Vet Network
Policy Management
Billing & Payment
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.    ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀  Pawfect Care will not base premium adjustments on a policyholder's individual claim history.     ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀  *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.     ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀  #The age band of Pawfect Care are: 13 weeks to 11 months, 1 year old to 3 years old, 4 years old to 7 years old, and 8 years old to 11 years old.    ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀  The premium trend and age band above are for reference only, no upper age limit for renewal. Renewal premium for pets that are over 11 years old will be adjusted annually. The exact renewal premium indicated in the Renewal Notice shall prevail. OneDegree reserves the right of final decision.

Can I change Pawfect Care policy plan any time after enrolment?

Once the Pawfect Care insurance application is confirmed with submission, the policy plan cannot be adjusted in the middle of policy period. Meanwhile, you can feel free to make change of the plan within 30 days before policy renewal. Please be aware, any plan adjustment may affect policy coverage or else may even require re-underwriting.   The current restrictions on policy plan upgrade, are as the follows:   1. The maximum pet age for plan upgrade as 11 years old or below; 2. Extended policy coverage upon plan upgrade will only be effective after passing through relating waiting period; 3. If the insured pet diagnosed with the in-list “pre-existing condition”* before policy upgrade; the coverage retains under the original plan even after upgrade; 4. If the insured pet is aged 5 or above by time of plan upgrade, the newly diagnosed chronic illnesses# will enjoy the upgraded plan coverage. Whilst, the coverage of those diagnosed chronic illnesses will revert to the original plan by renewals thereafter   No re-underwriting is required to undergo for plan downgrading by policy renewal. Meanwhile, if policy holder decides to upgrade the plan again in future; re-underwriting is required and waiting period will also be passing over again.   Pawfect Care insurance aims to provide relevant health guard protection and to share financial burden with the owners in taking good care of their furry friends in long run. For this reason, we sincerely recommend the owners to clearly consider the most suitable medical plan for making enrolment decision.   To learn more about the precautions of policy plan change decision, please refer to What are the precautions I should consider with when making plan change decision for Pawfect Care Insurance?   * For more details about “Pre-existing condition”, please visit:   # For more details about chronic illnesses, please visit:

How to provide supplementary details or submit appeal request upon submitted/declined claim request?

Based on highest integrity principle, policy holders are required to ensure all documents and details are accurate; precise; and substantially certain for submission. For this reason, our Claims Team will conduct throughout assessment for each proper case submission, so as to conclude with a cautious claim decision.  ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀ If your claim request is declined relating to missing or inaccurate provided details, policy holders must proactively communicate with the concerned vet clinic to obtain supplementary details, then submit the appeal request through email to within 60 days after receiving claim result. Our Claims team will then reassess the concerned claim case after receiving further relevant supporting. Any request passing over the mentioned time period (within 60 days per claim decline result) will be considered as acceptance of original claim result; no appeal request will be further accepted for reassessment.  ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀ *For any hand-written supporting, please ensure the vet has signed and stamped as confirmation.  ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀ OneDegree, as a digital insurer in Hong Kong, we devote to promote environmental friendly by minimizing physical paperwork and simplifying claim procedures. Given to this aim, you are welcome to invite your vet or vet clinic providing the relevant supplementary details to Claims Team by email communication. For the ease of you and your concerned vet clinic, you may discuss with the clinic by phone before email approaching them to provide pet’s medical report and/or details of diagnosis.

What is a pre-existing condition in Pawfect Care?

We do not cover treatment related to the following pre-existing medical conditions if your pet developed symptoms of such medical condition or was diagnosed with or treated for that medical condition before the policy start date or during the waiting period. ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀ • Allergies • Arthritis (non-septic) • Asthma or chronic lower respiratory tract diseases • Cancer (malignant) • Cardiovascular diseases • Chronic colitis • Chronic eye diseases • Chronic gastritis • Chronic liver diseases • Chronic pancreatitis • Chronic renal diseases • Endocrine diseases • Infectious diseases including Aujeszky’s disease, feline AIDS, FIV (feline immunodeficiency virus), FeLV (feline leukaemia virus) • Inflammatory bowel disease • Joint dysplasia • Neoplasia (benign) • Osteochondral diseases • Neurological damage • Stones in urinary systems • Urinary blockage

Do I need pet insurance if my kitty is an indoor cat?

As much as we try to make our homes safe and comfortable, we can’t be sure that our curious kitties will never get into an accident or fall sick with an illness. If your main concern is big expenditures such as surgery or hospitalization, Pawfect Care may work best for you. Monthly premium starts at just HKD 152 for up to HKD 70,000 of reimbursements a year.

Still can't find what you're looking for?
You may contact us via the at the bottom right corner or click here.