Fast and easy claims

Upload a receipt and file a claim within minutes online. Once your claim is approved, payment within 48 hours. Fast, transparent, and paperless!

Claims Procedure

Your claim may be rejected if the receipt requirements are not met. If you notice any details missing, please remind your vet to write it by hand directly on the receipt, and verify it with a stamp. You can also ask the vet to email you the missing information, and upload a copy of the email along with the receipt when filing a claim.​

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Seeing the vet
Policyholders don't need to inform us before seeking vet treatment, but we suggest making an appointment with the clinic to avoid long waiting time or changes in opening hours.
  • Cover any registered vets in HK
  • Network vets: 90% reimbursement
  • Non-network vets: 70% reimbursement
See list of network vets
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Vet clinic receipt requirements
Please remind the clinic to include the following on your receipt for claims purposes:
  • Date symptoms appeared
  • Diagnosis (specify illness)
  • Fee breakdown
  • Your pet's name or Microchip number
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File a claim
Answer a few simple questions and upload receipt from your vet clinic, as well as images of your HKID and bank card. The bank account holder must be the same person as the policyholder. Get started by:​
  • 1
    Log in to your account
  • 2
    Click "View Details"​
  • 3
    Click "Make a claim"
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You're done!
It's our pledge that 90% of verified claims will be paid within 2 working days.
  • Check your claim's status anytime from your account. We'll also let you know of any updates by email.​
  • Approved reimbursement will be sent directly to your bank account. Know that we've got your back when the unexpected happens.

Frequently Asked Questions

What details should be on vet clinic receipt in order to make a claim?
Please remind the clinic to provide a receipt that includes your pet’s diagnosis (specify illness), symptom date, fee breakdown, your pet‘s name or microchip number.
Do I need pre-authorization from OneDegree for veterinary treatment?
No. You can take your pet to any registered vet in Hong Kong and claim eligible expenses. Please note though 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 include: symptom date, diagnosis (specify illness), fee breakdown, pet’s name or microchip number. For our network, the reimbursement rate is 90%; and for non-network clinics, the rate is 70%.
Is there a deadline for filing claims?
A claim must be filed within 30 days of your pet's clinic visit, 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.
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 email at claims@onedegree.hk. Our claims 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

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!