Pet Insurance

Cats and dogs between 13 weeks and 11 years old are eligible for enrollment in Pawfect Care. Once enrolled, there is no age limit on renewal (Note 1). Pet owners can choose to renew the policy for the lifetime of their pets.   How to select your pet's insured age: Please select the exact year of age for your pet (round down the age to the nearest integer). For example, if the pet is 1 year and 10 months old, please select 1 year; if it is less than 1 year, please select between 13 weeks and 11 months old, and so on. The policy will be based on the pet owner's declaration of the pet's age at the time of enrollment, and automatically add one year at the renewal date for the subsequent policy year.   Please note that the reimbursement rate specified according to the pet's insured age will apply to the entire policy year (i.e., the coverage period and respective reimbursement rate listed in the policy schedule). It will not be adjusted halfway throughout the policy year.   For insured pets that are 1 year old or above at the time of policy issuance, the pet owners can bring them to our network vet clinics, and the reimbursement rate for eligible medical expenses is 90%. The reimbursement rate for visiting other non-network vet clinics is 70%. Please visit this website to check the latest list of our network vet clinics: https://www.onedegree.hk/en/vet-network.   For insured pets between 13 weeks and 11 months old at the time of policy issuance (applicable to Pawfect Care policies purchased on or after 1 December 2022), the reimbursement rate for the entire policy year is 50%, and this reimbursement rate applies to all registered vets in Hong Kong.   The insured age of the pet will affect the effectiveness of the policy and the reimbursement rate applicable to the policy year. Therefore, pet owners should carefully confirm important information such as the age and breed of the pet before policy purchase. If you have any questions about the age, breed, or gender of your pet, you may consider consulting a veterinarian. You can also refer to the following related frequently asked questions: I am not sure the age of my pet, is there anything I can refer to?  and  I am not sure the breed of pet, is there any reference?     Note 1: OneDegree reserves the right of underwriting for all insurance applications.

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.   For all new policies that are issued from 1 December 2022, if the insured pet's age is between 13 weeks to 11 months at enrollment, the 50% Reimbursement Rate (applicable to all HK registered vets) will be applied throughout the whole policy year.

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.   For all new policies that are issued from 1 December 2022, if the insured pet's age is between 13 weeks to 11 months at enrollment, the 50% Reimbursement Rate (applicable to all HK registered vets) will be applied throughout the whole policy year.

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 insured pet's age is between 13 weeks to 11 months at enrollment, the 50% Reimbursement Rate (applicable to all HK registered vets) will be applied throughout the whole policy year.

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 applied 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 applied from 13 Jan 2022 and onwards, only cancer will be imposed a 180-day waiting period.