Pet Insurance
90% of the reimbursements will usually be paid out around 15 working days after we receive all necessary documents from you and your vet. The processing time may vary if there is any dispute or pending document.
We do not cover treatment related to the following pre-existing Medical Conditions and induced Medical Conditions arising from such pre-existing Medical Conditions for which Your Pet has developed symptoms or received a Diagnosis, medication, advice, or treatment before the end of the Waiting Period. ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀ • Allergies • Arthritis (non-septic) • Asthma or chronic lower respiratory tract diseases • Cancer (malignant) • Cardiovascular diseases • Chronic eye diseases • Chronic gastroenteropathy • Chronic hepatobiliary system diseases • Chronic pancreatic diseases • 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 diseases • Stones in urinary systems • Urinary blockage
We don't cover chemotherapy or immunotherapy under reimbursement benefits, but we provide a HKD 10,000 lump sum payment under our Essential, Plus and Ultra plan options if your pet unfortunately has cancer. You're free to spend this amount on whatever you think is best for your furry one, including chemo, herbal medicine, rehabilitation, or special diets. This benefit can only be claimed once during a pet's lifetime. In addition to the cancer cash benefit, you can still claim expenses for surgery, hospitalization, and other items that are covered in your plan. For pets enrolled into Pet CEO Plan® before they turn 5 years old, cancer and other chronic illnesses are covered as long as their policies are effective. (*If your pet develops symptoms associated with a chronic illness before the end of the waiting period, the chronic illness will be considered a pre-existing condition and will not be covered.) Pets enrolling at age 5 or older will only have cancer and chronic illnesses coverage for the first year the illness occurs.
To make sure all pets obtain fair protection, most insurers setup a waiting period. Pet CEO Plan® 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 policies that are effective on or before 12 Jan 2022, a 180-day waiting period will be posed for cancer, orthopedic conditions, chronic renal disease and hereditary conditions; For policies that are effective from 29 May 2024 and onwards, only cancer and supplementary Critical illness cash benefits (if applicable) will be imposed a 180-day waiting period.
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 kept a list of veterinary clinics in our network, because from what we have heard, these clinics have a good reputation and charge a reasonable price. Please be assured that these clinics work individually and share no business profit or fee with OneDegree. Meanwhile, we would update our network from time to time based on policyholders’ feedback. If you have any unpleasant experience with the veterinary clinics, you may consider filing a complaint to relevant organizations. You may copy your complaint to us at care@onedegree.hk – your feedback is valuable as it will allow us to accurately evaluate the service standard of our network. ** OneDegree cannot adjust any associated costs or services provided by clinics in our network and would not provide any recommendation for any veterinarian or its service.
