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Pet Insurance
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Pet Insurance

Policy Application
Plan & Coverage
Vet Network
Policy Management
Billing & Payment
How long does it take to get reimbursed for pet claims?

90% of the reimbursements will usually be paid out around 3 to 4 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.

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 not to have immediate coverage, however, similar to the majority of insurers, we implement this to prevent pet owners from purchasing policies after their pets have already gotten sick or injured, and making claims for pre-existing conditions. If we allow such practice, the cost of insuring pets would greatly increase, resulting in substantially higher premiums for all pet owners.   The policy will take effect immediately after the application completed, while the policy coverage will start after the waiting period. In the case of cancer, a waiting period of 180 days is applicable, while for other illnesses and injuries, the waiting period is 28 days (Applicable to Pet policies purchased on or after 13 January  2022). Please note that any medical expenses incurred prior to enrolling for insurance and during the waiting period will not be eligible for reimbursement.

Why am I not able to login my OneDegree account?

Pet, Critical Illness and Home* 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 by inputting their registered email address and with One Time Password (OTP). * Home policyholders who purchase their policies on or after 22 December 2022.  ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀  If you face problem to login your account, please check if: ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀ a. Expired OTP OTP will be sent while Microsoft on behalf of OneDegree Hong Kong Limited <>, and the code will be valid for 5 minutes only. If you have not entered the OTP in time, you would need to request a new OTP again. At the same time, if you repeatedly request a OTP, the previously requested password will become invalid after a repeat request.  ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀ b. Browser setting If you are using Google Chrome browser, please check if you have already allowed cookies and have not pre-set us ( as one of your unaccepting websites in “Setting” page. Please be aware:  ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀  Never select o        Block third-party cookies o        Block all cookies (not recommended)  ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀  Never to add o        our website ( in “Sites that can never use cookies”  ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀ ⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀  You may also try if able to access through Incognito Window (below image as reference). ⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀ ⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀ ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀  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 ( ).

Do I need to submit any documents for my premium refund for cancelling my policy?

Yes, it is mandatory to upload copies of your HKID and bank proof through your OneDegree customer account before cancelling your Pet or Critical Illness policy. We require these documents to verify your identity and bank details, ensuring that the premium refund is processed quickly and accurately to the policyholder. Here's how the process works:   Once you submit your cancellation request, our initial attempt is to refund the premium to the payment card used for policy purchase. This refund typically takes 7-10 working days, depending on your card issuer.   However, if the refund cannot be processed to your card for any reason, we need your bank details on file to redirect the payment. Uploading the copies of your Hong Kong ID and bank proof helps streamline the process and avoid delays in refunding. Therefore, policyholders are required to upload these documents to their account before submitting a policy cancellation request. 

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

We understand you’re facing technical issues when using OneDegree website. First, please try to using Google Chrome - Incognito browser to perform the same action when you get the error message. If the issue persists, please share the following details with us for case investigation, it will enable us detecting and tackling the problem efficiently:   ⠀⠀ ⠀⠀⠀⠀ 1. Screen capture of the full page showing the action or click before you get the error message, and the screen capture of the full page when the error messages appear 2. Device currently in use(desktop / mobile / laptop / tablet, etc) 3. Current Chrome Version 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 .   ⠀⠀ ⠀⠀⠀⠀ And, please approach us by diverse channels ( at your convenience.

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