A quick and smooth claim experience

We are proud of our digital claim process, one of the quickest and easiest in town. There’s no paperwork involved and everything can be done from the convenience of your mobile phone. Because that’s the way insurance should be!
smooth claim like rainbowcurve
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Claims paid in 2 days

We are committed to settling 90% of approved claims within 2 working days, which is much faster than the industry average.

It’s also super easy to file a claim with us.

How does it work?

Log in to your account and go to policy page to file a claim
paperless claim
Answer a few questions about the vet expenses you’re claiming
onedegree claim is digital
Take a photo of the receipt from the vet and upload
no more paper form submission
Done! Your vet will then receive a notification to verify your claim details
speed claim and payout

Why are claims so easy with OneDegree?

Traditional claims take a lot of time because they are done manually with paper or e-mailed forms. We speed up the whole process by working directly with a network of vets who can easily verify claims online via our dedicated portal.

After receiving vet confirmation, our AI-powered system will scan and detect any invalid or fraudulent info. That only takes a few seconds!

Claims that pass our AI will automatically be approved and paid. Claims flagged by the system as more complicated will be passed onto and handled personally by our team.

ai and machine learning for claim processing

Frequently Asked Questions

How will you reimburse me for claims?
We will make a deposit directly into the bank account you provided for any successful claims.
Do I need pre-authorization from OneDegree for veterinary treatment?
No, you don’t need to inform us in advance. You can take your pet to any registered vet in Hong Kong and claim eligible expenses. To ensure we can process your claim without delay, do request the clinic to provide an itemized bill and to include the vet's diagnosis on the receipt. The reimbursement rate for clinics in our network is 90% and for those outside of our network is 70%.
Is there a deadline for filing claims?
You must file claims within 30 days after your pet’s first day of visiting the veterinarian. It is the clinic visit date if there is no overnight hospitalization and the admission date if there is overnight hospitalization. We will not process or reimburse any late claim submissions.
How do I check my claim status?
You can check your claim status at any time by logging into your pet’s account and going to Claim Center. We clearly show you the stage your claim is at so you’re always in the loop.
Can I appeal if my claim is rejected?
Yes. We will clearly explain to you the reasons behind our claim decision. If you disagree, please let us know through live chat or email. Our team will look into your case, and we may request more info from you and the attending vet to reassess your claim.
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customers first

Customers first

People buy insurance because they want to have financial help when the unexpected happens. We make it as easy as possible for our customers to access that help with a fast and easy claim process. Experience it for yourself!
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