Pet Insurance

Your pet is a beloved member of your family. However, vet bills can be unexpectedly high when unforeseen illnesses or injuries occur. Rather than worry about how to pay for treatments, having pet insurance brings peace of mind. Insurance shields you from hefty medical expenses so you can concentrate on your pet’s care. The claims process is made straightforward so you spend time supporting your furry friend, not on paperwork hassles. For a small annual cost, pet insurance lifts the potential financial burden of caring for a sick or hurt pet. Your pet’s health should never depend on chance. Insurance ensures they receive any medical attention needed to stay happy and healthy for years to come. Don’t gamble with your pet’s future wellbeing – insuring them provides the security of knowing help is there if bad luck strikes.

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Pet Comparison Table

Blue Cross Love Pet

Features

Offered plans

Plan A

Plan B

Plan C

Major Benefits

High coverage of Clinical and Surgery.

Aged Pet Cover

Bupa Global

Features

Offered plans

Plan 1

Plan 2

Plan 3

Major Benefits

Regular Vet visits and treatment

Low Premium

Oversea Coverage

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Pet Insurance Insights

You must know

Pet insurance is not mandatory but it is available to provide financial protection for veterinary costs.
Coverage typically includes accidents, illnesses, surgeries, hospitalization and sometimes regular annual checkups. Major medical conditions like cancer are also often covered.
Annual benefit limits usually range from HK$10,000 to over $100,000 depending on the premium paid.
Premiums vary based on the pet’s age, breed, medical history and selected deductible. On average customers pay $100-500 per year.
Common exclusions are pre-existing conditions, hereditary defects, elective procedures and costs from dangerous activities like racing.
Core benefits kick in after a deductible is paid per condition/illness, usually $500-$2500.
Multi-pet discounts are offered if insuring more than one animal under the same policy.
Third party liability coverage can also be added to cover legal costs if a pet injures someone or damages property.
No legal requirement in Hong Kong but insurers recommend coverage for financial protection and peace of mind.

Pet Insurance FAQs

What types of conditions are covered by pet insurance?

Most policies cover injuries, illnesses, surgeries, diagnostic tests, hospitalization and more. Common illnesses like ear infections are usually included.

Is there a waiting period before coverage begins?

Some policies have a 14-30 day waiting period for illness/injuries to give time for pre-existing conditions to be excluded. Accidents may be covered immediately.

Can I insure multiple pets under one policy?

Yes, insurers offer multi-pet discounts when insuring 2+ animals on the same policy. This works out cheaper than separate policies.

What happens if my pet passes away?

Some policies provide death benefits to help cover costs associated with euthanasia and cremation/burial of your pet.