Pet Insurance
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Pet Insurance

Policy Application
Plan & Coverage
Vet Network
Claims
Policy Management
Billing & Payment
Can my pet's microchip be added after purchase?

Sure! You can your pet's microchip number to care@onedegree.hk any time after enrolment with the policy registered email address and indicate the policy number. Please be aware that once a microchip number is registered, it is unable to be updated afterward.

Can I purchase a policy for my cat that has no microchip?

Yes. Cats that are aged from 13 weeks to 11 years old can be enrolled in PawfectCare whether being microchipped or not.   Please be aware that the pet’s name shown on the medical receipt uploaded for any claim applications must be consistent with the insured pet’s name on the policy so that the claim assessment will be not affected.

Any limitation for pets to enroll with Pawfect Care?

Cats and dogs from 13 weeks to 11 years old of any breed, whether being microchipped or not, are eligible to apply for a PawfectCare policy. Please be aware that the pet’s name shown on the medical receipt uploaded for any claim applications must be consistent with the insured pet’s name on the policy so that the claim assessment will be not affected.

Under what circumstances will my pet insurance policy be terminated or discontinued?

Your pet insurance policy will only be terminated when: - the pet insured passed away; - the premium is not fully paid at the end of the grace period; or - any misrepresentation, false information, or failure to disclose details which could influence our assessment of your policy application.  You will be notified in advance, and in line with fair and transparent practice, we will inform you the reason for ending your policy. If you have questions about our termination policy, please contact us via our live chat or email us at care@onedegree.hk . 

When will my pet's coverage begin? What does waiting period mean?

After you have successfully purchased a policy, your pet's coverage will begin after the waiting period. We understand it can be frustrating to not have immediate coverage. But like most insurers, we do this to prevent pet owners from buying policies after their pets get sick or injured, and making claims for existing conditions. If we did allow it, the cost of insuring pets would greatly increase and the premiums would become much higher for all pet owners.  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 13 Jan 2022 and onwards, only cancer will be imposed a 180-day waiting period.

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