Pet Insurance

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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. 　 From the effective date of the policy, claims for accidental injuries and illnesses, as well as the optional rider for "Feline Infectious Peritonitis (FIP) Additional Coverage" (if applicable), can only be made after the 28-day waiting period has ended. The waiting period for cancer (malignant), MRI and CT coverage under the Prestige Plan, Additional Advanced Critical Illness Cash Benefit, Additional Kidney Failure Cash Benefit (if applicable) is 180 days. Please note that any medical expenses incurred before enrolling for insurance and during the waiting period will not be eligible for reimbursement.

We cover unexpected injuries or illnesses that happen after the end of the waiting period. 　 We offer four plans: Essential, Plus, Ultra, and Prestige, each with different levels of coverage. Depending on the plan level, your pet can be covered for: - Surgery - Overnight Hospitalization - X-ray and Ultrasound - Lab test (Blood test, urine test, faecal test, biopsy, and fine-needle aspiration cytology) - Prescribed Medication - General Consultation - Specialist Consultation - MRI & CT Coverage 　 We also provide a one-off lump-sum cancer cash benefit of HK$10,000 if, unfortunately, your pet is diagnosed with cancer. 　 At the same time, you can also enhance your coverage by adding an optional rider, such as Additional Advanced Critical Illness Cash Benefit of HK$10,000, Additional Kidney Failure Cash Benefit of $20,000 and Feline Infectious Peritonitis (FIP) Additional Coverage of up to HK$25,000 per year. 　 Please see our Pet Insurance page for more details.

To make sure all pets obtain fair protection, most insurers setup a waiting period.   The Pet CEO Plan® follows the same guidelines: from the effective date of the policy, claims for accidents, illnesses, and the optional rider Feline Infectious Peritonitis (FIP) Additional Coverage (if applicable), can only be made after the 28-day waiting period has ended.  While the waiting period for cancer (malignant), MRI and CT coverage under the Prestige Plan, Additional Advanced Critical Illness Cash Benefit and Additional Kidney Failure Cash Benefit (if applicable) is 180 days. 

Yes. Irrespective of whether the critical illness policy was enrolled via the Pet Insurance Lapse Protection, it remains an independent and standalone policy. Consequently, claims under the critical illness policy may be submitted separately, subject to the policy terms and conditions.