AVID

male

female

renewal

new_business

monthly

annual

customized

reject

accept

AgeBand2

AgeBand0

AgeBand3

AgeBand4

AgeBand5

AgeBand1

ClassC

ClassD

ClassB

ClassA

ClassE

lt3m

13w11m

ml15y

gte 40 to lt 50

gte 10 to lt 20

gte 0 to lt 5

gte 50 to lt 100

gte 20 to lt 30

gte 0 to lt 10

gte 30 to lt 40

gte 5 to lt 15

PawfectCare

Covers the costs for surgeries and associated surgical expenses, including surgeon’s fees, operating theatre's fees, anaesthesia, euthanasia, oxygen, dressings, surgical implants and other miscellaneous expenses.

Surgery (Network)

Covers the costs of prescribed drugs, dressings and injections dispensed by a licensed vet.

Medication (Non Network)

Covers the costs of X-ray and ultrasound.

X-ray & Ultrasound (Network)

Medication (Network)

Covers the costs of an overnight stay at vet clinics, which has to span midnight. A boarding for several hours within the same day does not count as overnight hospitalization and is not covered.

Overnight Hospitalization (Non Network)

Covers the costs of blood test, urine test, fecal test, biopsy and fine needle aspiration cytology.

Lab Test (Network)

An ex-gratia benefit refers to those payments made by an insurer where there is no contractual obligation to do so

Ex-Gratia Benefit

This benefit pays You a lump-sum cash of the amount specified in the Policy Schedule when Your Pet is diagnosed with cancer for the first time. The payment is in addition to the reimbursement to Your Pet’s medical treatments and is not subject to Reimbursement Rate and Annual Coverage specified in Your Policy Schedule.

Cancer Lumpsum

All reimbursement benefits are paid as reimbursement for covered medical treatments that:
are Medically Necessary for treating a covered Condition that incurred within the Period of Insurance; and prescribed and performed by a registered veterinary surgeon. The reimbursement amount is subject to Reimbursement Rate and Annual Coverage specified in the Policy Schedule. 

For example, if the Reimbursement Rate is 90% and the Annual Coverage is HKD 25,000, We will reimburse You 90% of Your medical expenses, and the maximum reimbursement within the Period of Insurance is HKD 25,000.

Annual Reimbursement

X-ray & Ultrasound (Non Network)

Surgery (Non Network)

Overnight Hospitalization (Network)

Lab Test (Non Network)

Essential

Starter

Covers the fees for specialist vet consultations or emergency consultations.

Specialist Consultation (Non Network)

Covers the fees for general vet consultations.

General Consultation (Non Network)

General Consultation (Network)

Specialist Consultation (Network)

Ultra

Plus

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