Consultation fees are covered by our Plus and Ultra plan, it provides more comprehensive coverage options and also it is more expensive. 

Our Essential plans don't cover consultation fees because we want to offer more affordable options for owners who just want insurance for the big expenses, such as surgery. A pet owner will on average bring their pets for consultation 2-3 times a year and the fees are generally fixed. As consultation expenses can generally be anticipated, we decided to exclude it to lower premiums for Essential plan.

Why aren't consultation fees covered by all your plan options?

Consultation fees are covered by our Plus and Ultra plan, it provides more comprehensive coverage options and also it is more expensive.

Our pet insurance is designed to help you when your furry buddy unexpectedly gets hurt or sick. That’s why we don’t cover pre-existing conditions and congenital diseases, as pet parents should already be aware of them prior to purchasing insurance. Other major exclusions include pregnancy, alternative treatments, and preventive procedures such as vaccinations.


Please see our Pet Insurance page for more details, or you can see our sample policy wording for the fine print on coverage. 


What is not covered in Pawfect Care?

If your pet passed away and there is any successful claim record during the insurance period, please send the death proof of your pet (such as receipt of cremation service or palliative care, etc.) and include the policy number through email to care@onedegree.hk. Once we receive your email, we can proceed to terminate your policy. No premium refund will be made in such circumstances.
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If there is no successful claim record, you may log in to the member portal and cancel the policy by yourself. The premium refund amount will be calculated automatically according to the payment cycle of your policy. You may refer to P.39 of the sample policy of Pawfect Care for details.
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Please be noticed that cancellation or termination of a policy is being confirmed, it cannot be reinstated.

Can I cancel my policy if my pet passed away during the insurance period?

If your pet passed away and there is any successful claim records during the insurance period, please send the death proof of your pet...

Yes, but you will need to apply for a separate policy for each pet. Once you have successfully purchased your first pet policy, you can simply click "Add Policy" >  "Pet" to enroll your other pets.

Can I buy insurance for more than one pet?

We require a photocopy of your receipt. You can upload them through your online portal. 

We need a histopathology report from your vet if you're filing a claim for the Cancer Cash Benefit. 

Please keep the originals until the claim is paid as we may require them for verification. We may request your pet's medical records and examination or diagnostic test reports of your pet' s previous visits to all veterinarians. 

Do I need to prepare and submit any documents for pet insurance claim filing?

We require a photocopy of your receipt. You can upload them through your online portal. 

We need a histopathology report from you vet if you're filing a claim for the Cancer Cash Benefit.

Please keep the originals until the claim is paid as we may require them for verification. We may request your pet’s medical records and examination or diagnostic test reports of your pet’s previous visits to all veterinarians.

Once the Pawfect Care insurance application is confirmed with submission, the policy plan cannot be adjusted in the middle of the policy period. If you wish to make any change to your policy, for example, switching to a different coverage plan, you may apply to do so within 30 days prior to the policy renewal date, subject to our approval. We reserve the right to alter the premiums and policy terms following a change in coverage plans. 

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. Newly added benefits and additional annual coverage will be subject to waiting periods before they are effective, and will not apply to pre-existing conditions*;

2. If the insured pet is aged 5 or above by the time of the 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 plan downgrading by policy renewal. However, if policyholders decide to upgrade the plan again in the future, re-underwriting is required and the same plan upgrade restrictions stated above will be applied.

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: https://www.onedegree.hk/en-us/faq/article/what-is-a-pre-existing-condition

# For more details about chronic illnesses, please visit: https://www.onedegree.hk/en-us/faq/article/what-is-considered-a-chronic-illness-and-is-it-covered

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.

We do not cover treatment related to the following 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.

• Asthma or chronic lower respiratory tract diseases 

• Infectious diseases including Aujeszky’s disease, feline AIDS, FIV (feline immunodeficiency virus), FeLV (feline leukaemia virus) 

What is a pre-existing condition in Pawfect Care?

We cover unexpected injuries or illnesses that happen after the end of waiting periods. 

We offer three plans with different levels of coverage. Depending on the plan, your pet can be covered for: 

- Lab test (Blood test, urine test, fecal test, biopsy, and fine-needle aspiration cytology)

We also provide a one-off lump-sum cash benefit of HKD 10,000 if, unfortunately, your pet is diagnosed with cancer. 

Please see our Pet Insurance page for more details.

What is covered?

We cover unexpected injuries or illnesses that happen after the end of waiting periods. We offer three plans with different levels of coverage. Depending on the plan, your pet can be covered for:

Your kitty might be safer indoors, but they can still get injured at home. Being indoors also doesn’t protect them from health problems, meaning they have their own share of illnesses too.

With three plans available, Pawfect Care allows flexibility so that pet parents can choose a policy that best fits their needs. Our plans cover the big expenses, such as surgery and hospitalization, as well as smaller ones like vet consultations. Visit the product page for details and a quote.

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.

Whether your main concern is huge expenses such as surgery and overnight hospitalization, or you want comprehensive coverage that includes vet consultation fees, there are 3 plans in Pawfect Care that vary in coverage and you may select the most suitable one based on your and your pet’s needs.

Visit the product page now for plan details and get a quote for your pet.

No. You can take your pet to any registered vet in Hong Kong and claim eligible expenses. Please note the reimbursement rate is different for clinics in our network and those outside of our network. To ensure we can process your claim without delay, do remind your clinics to provide a receipt that includes: the symptom date, diagnosis (specify illness), expenses breakdown, and your pet’s name. 

For all new policies that are issued from 1 December 2022, if the pet is between 13 weeks and 11 months old and visits a registered vet clinic in Hong Kong, regardless of whether the clinic is a network or non-network, the reimbursement rate is 50%.

Do I need pre-authorization from OneDegree for vet treatment?

No. You can take your pet to any registered vet in Hong Kong and claim eligible expenses.

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%.

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%.

For all new policies that are issued from 1 December 2022, if the pet is between 13 weeks and 11 months old and visits a registered vet clinic in Hong Kong, regardless of whether the clinic is a network or non-network, the reimbursement rate is 50%.

You see this a lot in human medical insurance too, PawFect Care Policyholders can choose to bring their pets to any registered vet that is part of OneDegree's vet network, then the max reimbursement is 90% of eligible expenses. If they visit a non-network clinic, the reimbursement rate is up to 70%. Check out our vet network.

What are network clinics and non-network clinics?

PawFect Care Policyholders can choose to bring their pets to any registered vet that is part of OneDegree's vet network, then the max reimbursement is 90% of eligible expenses. If they visit a non-network clinic, the reimbursement rate is up to 70%.

Reimbursement rate is the percentage of eligible expenses we will reimburse. You can bring your pet to a vet of your choice - if your vet's clinic is in our network, then the reimbursement rate is 90%. If you visit a non-network clinic, the rate is 70%. E.g.: For a vet bill of HKD 100, you can claim back as much as HKD 90 for a network clinic, and up to HKD 70 if it's from a non-network clinic.

What is reimbursement rate? How does it work?

Reimbursement rate is the percentage of eligible expenses we will reimburse. For every HKD 100 of vet fees if your pet is at age 1 or above, you can claim back as much as HKD 90 if your pet was treated at a clinic in our network. For non-network clinics, the max reimbursement would be HKD 70. For pets from 13 weeks to 11 months old can claim back as much as HKD 50 treated at any registered vet in Hong Kong.

Your pet insurance policy will only be terminated when:

- 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. 

*If the insured pet has passed away, you need to cancel the policy on your own through our online system or by sending us an email for policy termination, please refer to: Can I cancel my policy if my pet passed away during the insurance period?

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. 

*If the insured pet has passed away, you need to cancel the policy on your own through our online system or by sending us an email for policy termination, please refer to: Can I cancel my policy if my pet passed away during the insurance period?

Yes. We will clearly explain to you the reasons behind our claim decision. If you disagree with the claim decision, please let us know within 60 days from the notice date of the claim decision through email at claims@onedegree.hk with providing reasons for the appeal along with supporting documents.

Our team will look into your case, and we may request more info from you and any related parties to reassess your claim.

Can I appeal if my claim is rejected?

Yes. We will clearly explain to you the reasons behind our claim decision. If you disagree with the claim decision, please let us know within 60 days from the notice date of the claim decision through email at claims@onedegree.hk with providing reasons for the appeal along with supporting documents.

Our team will look into your case, and we may request more info from you and any related parties to reassess your claim.

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: 

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 - Collective claim experience in the preceding years by Hong Kong pet owners 

 - 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. 

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*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.

Will my premium increase when I renew my pet’s policy?

It's possible that the premium may be adjusted when it's time to renew your policy. We will notify you in advance if there will be any changes and the reason for them.

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 claims@onedegree.hk 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.

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

Pawfect Care or InfiniCare policy holders can handily access to their online OneDegree account both by computer and mobile browsers (such as, Google Chrome/Edge/Safari, etc); whilst, online account management is not yet extended to other insurance products. Policy holders can simply login at www.onedegree.hk by inputting their registered email address and password:

If you face problem to login your account, please check if:

System will not be able for passing through to next page if space is inserted before or after the password or CAP lock is incorrectly applied. To ensure the password is accurate, you can press the EYE icon in “Password” column for check-up.

If you have forgotten your password, please feel free to reset your password at https://www.onedegree.hk/en-us/forgot-password . After submission, an email containing a reset password link (valid for 30 minutes) will be instantly sent to your registered email address. The link will be automatically expired beyond validity period. 

System may reject your login request if multiple login attempts are detected in short time period for security reasons. You may switch to use alternative devices and network, for retry of account access or password resetting.

If you are using Google Chrome browser, please check if you have already allowed cookies and have not pre-set us (www.onedegree.hk) as one of your unaccepting websites in “Setting” page. Please be aware: 

o        Block third-party cookies 

o        Block all cookies (not recommended) 

o        our website (www.onedegree.hk) in “Sites that can never use cookies”

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You may also try if able to access through Incognito Window (below image as reference).

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In case, you have already gone through all our above suggestions and the problem persists, please refer to our guide at What do I need to provide for reporting a technical issue? . Then, contact with us with the necessary details sharing, we will be best to assist accordingly. 

You may contact us through diverse channels (https://www.onedegree.hk/en-us/contact-us ).

Why am I not able to login my OneDegree account?

Pawfect Care or InfiniCare policy holders can handily access to their online OneDegree account both by computer and mobile browsers (such as, Google Chrome/Edge/Safari, etc); whilst, online account management is not yet extended to other insurance products. Policy holders can simply login at www.onedegree.hk by inputting their registered email address and password

We understand you’re facing technical issues when trying to login your online account. To enable us detecting and tackling the problem efficiently, please share the following details with us for case investigation:

1. Screen capture of the full page showing error message

2. Device currently in use(desktop / mobile / laptop / tablet, etc)

4. The Operating System of your device(Windows / macOS / iOS / Android / Linux, etc)

To check on the exact version of your browser in current use, you may simply visit https://www.whatismybrowser.com . 

And, please approach us by diverse channels (https://www.onedegree.hk/en-us/contact-us) at your convenience. 

What do I need to provide for reporting a technical issue?

We understand you’re facing technical issues when trying to login your online account. To enable us detecting and tackling the problem efficiently ...

Please remind the clinic to provide a receipt that includes your pet’s diagnosis (specify illness), symptom date, fee breakdown and your pet‘s name.

What details should be on vet clinic receipt in order to make a claim?

Pets from 13 weeks to 11 years old of any breed are eligible to apply for a policy, and no microchip number / proof is required upon application.

Any limitation for pets to enroll with Pawfect Care?

After receiving a claim request, that information will be processed and checked by our AI-powered claim engine. 

For straightforward claims, decisions (approval or rejection) will be made automatically. For more complicated claims, we may investigate further and ask our vet advisors for second medical opinions. We may also ask you for additional information, such as your pet's past health records.

You can keep track of the status of claims in your personal account. We'll also notify you of claim decisions by email.

How do you handle claims for pet insurance?

After receiving a claim request, that information will be processed and checked by our AI-powered claim engine.  

For straightforward claims, decisions (approval or rejection) will be made automatically...

Chronic medical condition is a medical condition that has at least one of the following characteristics:

d. Needs long-term monitoring including consultations, checkups, examinations, and tests, and shall include an acute episode of a chronic medical condition.

If your pet first enrolled in our plan at age 4 or younger, your pet can enjoy lifetime coverage of chronic illnesses.

If your pet first enrolled in our plan at age 5 or older, chronic illnesses will still be covered for the first policy year they occur. However, the specific illness will be considered a pre-existing condition and excluded for subsequent policy periods.

Chronic illnesses can be very costly to treat. Make sure your furry buddy is covered by getting insurance at an early age!

What is considered a chronic illness in Pawfect Care and is it covered?

Chronic medical condition is a medical condition that has at least one of the following characteristics:
a. Lasts 3 months or more;
b. Comes back or is likely to come back;
c. Is permanent; or
d. Needs long-term monitoring including consultations, checkups, examinations, and tests,
and shall include an acute episode of a chronic medical condition.

What is considered a chronic medical conditions in Pawfect Care and is it covered?

You can update the card used for payment by:   

2. Select your policy card under the “Your Policies” section

3. You may edit the card info by clicking the ✏ icon under the “Payment” section

How do I update my credit or debit card details?

You can update the card used for payment by:

It's because the premium levy is added on the checkout page; moreover, if you choose the annual payment option on the checkout page, the premium is about 10% lower than the monthly option. Annual premiums are paid only once each policy year, so administrative and processing costs are lower than monthly premium payments. We pass these cost savings back to our customers in the form of lower premiums!  

According to the "Insurance Ordinance" (Chapter 41), the Insurance Authority has been collecting levy on insurance premiums since the start of 2018 to maintain financial independence. From April 1, 2020 to March 31, 2021, the levy rate is 0.085% based on the premium of each policy year, which means that only HKD 0.85 will be collected for every HKD 1,000 of premium. The rate will be increased to 0.1% from April 1, 2021.

Why is the premium on the plan selection page different from what I paid?

It's because the premium levy is added on the checkout page; moreover, if you choose the annual payment option on the checkout page, the premium is about 10% lower than the monthly option.

Premium on plan selection page is different from what I paid?

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.

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

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.

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.

If you are a dog owner, you can calculate the current age of the pet by referring to the dog license. For example, if the age stated on the license is 3 years and 5 months, and the date of issuance is May 15, 2018. Assuming the enrolment date is November 16, 2020, then dog’s age should be 5 years and 11 months old. You may choose 5 years old for your dog during the application.  

If you are a cat owner, you may refer to the vaccination card or vet receipt, and calculate the age based in the age stated and the date of document issued. You may also consult with your vet for assessment to achieve the most accurate result.                                                                                       

Pet’s age is calculated by their actual age. Taking the dog in the specimen as an example, the premium of which will be calculated based on 5 years old, even though it’s 5 years and 11 months old. Therefore, sign your fluffy friend up before its birthday!

I am not sure the age of my pet, is there anything I can refer to?

If you are a dog owner, you can calculate the current age of the pet by referring to the dog license. For example, if the age stated on the license is 3 years and 5 months, and the date of issuance is May 15, 2018. Assuming the enrolment date is November 16, 2020, then dog’s age should be 5 years and 11 months old. You may choose 5 years old for your dog during the application.

I am not sure the age of my pet

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.

Why is the reimbursement rate for network clinics different from the rate for non-network clinics in Pawfect Care?

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...

To make sure all pets obtain fair protection, most insurers setup waiting period.PawfectCare 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 13 Jan 2022 and onwards, only cancer will be imposed a 180-day waiting period.

Can I file a pet's claim instantly after policy start date?

To make sure all pets obtain fair protection, most insurers setup waiting period. Pawfect Care 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 13 Jan 2022 and onwards, only cancer will be imposed a 180-day waiting period.

Premiums vary depending on which plan you choose and factors including your pet's age, and breed. Get a personalized quote in just a few clicks, no strings attached!

How much does Pawfect Care pet insurance cost?

90% of the reimbursements will usually be paid out around 2 to 3 weeks after we receive all necessary documents from you and your vet. The processing time may vary if there is any dispute or pending document.

How long does it take to get reimbursed for pet claims?

You can check the claim status anytime on our online portal with your OneDegree account: 

1. Click your policy under “Your Policy” section 

2. You may view the claim status and claim records by clicking the “Claims” button

How do I check my claim status?

You can check the claim status anytime on our online portal with your OneDegree account


2. Click the “Account” button on top of the page and click “Settings”


3. You may edit your contact info at the bottom of the page

How do I update my contact details?

You can change your contact details by:

1. Log in your account

2. Go to Setting - Account

3. You can see a section named "Contact information". Enter new contact information and click "Save"

We will make a deposit directly into the bank account you provided for any successful claims.

How will you reimburse me for claims?

You can start filing the pet insurance claim by: 

2. Click "View Policy" under the policy card


3. Click "Make a Claim" to start making a claim

Please note that you will need to upload a clear photo of your clinic receipt in order to successfully file a claim.

How do I make a pet insurance claim?

You can start filing the pet insurance claim by: 

1. Log into your personal account

2. Click "View Policy" under the policy card

3. Click "Make a Claim" to start making a claim

Please note that you will need to upload a clear photo of your clinic receipt in order to successfully file a claim.

You must submit a claim within 30 days after your pet’s visit to a clinic, and you can submit an inpatient claim within 30 days after discharge. We suggest filing right after seeing the vet so you don't miss the deadline. We won't be able to process or reimburse any late claims.     

Is there a deadline for filing pet insurance claims?

You must submit a claim within 30 days after your pet’s visit to a clinic, and you can submit an inpatient claim within 30 days after discharge. We suggest filing right after seeing the vet so you don't miss the deadline. We won't be able to process or reimburse any late claims. 

Any pet that meets the eligibility requirements can apply for a policy. However, an illness or a condition that is diagnosed before your policy start date or during waiting periods, which also listed on our policy wordings that belongs to pre-existing conditions, that means you won’t be able to claim vet expenses related to that condition, but accidents or other health problems that occur after the policy takes effect will be covered. To ensure your pet can get the most comprehensive health protection, we encourage pet owners to insure their pets as early as possible.

Can I enroll my pet if he/she has a diagnosed medical condition?

Any pet that meets the eligibility requirements can apply for a policy. However, an illness or a condition that is diagnosed before your policy start date or during waiting periods, which also listed on our policy wordings that belongs to pre-existing conditions, that means you won’t be able to claim vet expenses related to that condition.

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 Pawfect Care before they turn 5 years old, cancer and other chronic illnesses are covered as long as their policies are effective. Pets enrolling at age 5 or older will only have cancer and  chronic illnesses coverage for the first year the illness occurs.

Do you cover treatment for cancer?

We don't cover chemotherapy or immunotherapy under reimbursement benefits, but we provide a HKD 10,000 lump sum payment under our Essential and Plus 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.

If you are a dog owner, you can refer to the breed indicated on the dog license. For cat, you may refer to the vaccination card or vet receipt, it generally stated the breed on it, or you may also consult with your vet for assessment to achieve the most accurate result.  

A cross breed refers to a dog with parents of two different distinct breeds, while a mixed breed don't have purebred parents or is an unidentified/unknown breed. For "Domestic Short Hair (DSH)" or "Mongrel", there is also a relevant breed option when purchasing a policy for your pet.

Pawfect Care covers all breeds of cats and dogs. In case you don’t find the breed of your pet, you may let us know your pet's breed and your contact email address by email at care@onedegree.hk, we will follow up with you as soon as possible.

I am not sure the breed of pet, is there any reference?

If you are a dog owner, you can refer to the breed indicated on the dog license. For cat, you may refer to the vaccination card or vet receipt, it generally stated the breed on it, or you may also consult with your vet for assessment to achieve the most accurate result.

Click here to see a full list of our network clinics. We're always looking to grow our vet network, so don't be discouraged if your preferred clinic isn't in the list!

Which clinics are in your network?

You may check out the current promotion on our Promo Overview page. If you have a promotion link, please click on the link to purchase a policy in order to activate the discount. You will be able to see the discounted premium at checkout before you make a payment.

If you do not see the following pop-up window on the first page of the application process, it means that you have not successfully obtained the promotion or discount, and you will not be able to get the it back after enrolment.  

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Where can I enter the promo code?

We cover hereditary conditions, which are passed down from their parents through genes. We understand hereditary conditions may not appear until the later stage in a pet's life and can result in huge, unexpected medical expenses. 

However, we don't cover congenital conditions, which are developed in utero and/or present at birth. These are detectable right after birth or at an early age, so we consider them as pre-existing conditions.

Are hereditary and congenital conditions covered?

We cover hereditary conditions, which are passed down from their parents through genes. We understand hereditary conditions may not appear until the later stage in a pet's life and can result in huge, unexpected medical expenses.