For many families in Hong Kong, and the world over, pets are more than just pets. They’re our loyal companions and are part of the family. Why not then ensure that your furry friends are covered for emergencies with pet insurance, just as you would yourself and your family with health insurance. Many pet owners have experienced the daunting situation where their pet urgently needed medical attention at a veterinary clinic, only to later receive an astronomical vet bill.
Your pets are unfortunately always at risk of falling ill or could be injured in an unexpected event. Trust us when we say that when those vet bills start piling up, it can cost you and your family a pretty penny. When it comes to considering the many options available for any type of insurance, we know that it can be super overwhelming to actually make a decision. Let alone choosing the perfect pet insurance to cover your beloved furbabies! There’s so much to consider – from budget, premiums, and deductibles to multiple plans and cover terms.
Don’t panic though! Little Steps is here to give you the scoop on pet insurance in our complete guide to pet insurance in Hong Kong. We’ll discuss what pet insurance is, what to consider when choosing cover for your pets, and we’ll look at the best (and affordable) pet insurance options available in Hong Kong. Get informed and cover your doggies and kitties soon, so that you can have utter peace of mind.
What is pet insurance?
How Does Pet Insurance Work?
Why Should You Get Pet Insurance For Your Pets?
Pet insurance is vital as your pet ages, facing increased risks of costly illnesses and possible injury. Routine veterinary check-ups and vaccinations are expected, but accidents and unexpected ailments can lead to substantial veterinary bills. One in three pets require emergency treatment each year, a cost many pet owners can't bear. Pet cover ensures your pet receives the necessary care without financial worries, covering treatments for conditions like fractures, ingestions, cancer, skin conditions, and more, which can exceed HK$10,000.00.
While you bear premiums and deductibles, pet insurance greatly reduces the financial burden of veterinary expenses, making it a worthwhile investment for responsible pet owners. This is especially so, when you consider that most monthly pet insurance premiums are actually quite low.
Considerations When Opting For Pet Insurance:
Where Do You Find Pet Insurance?
There are numerous insurance providers in Hong Kong which offer pet insurance plans to pet owners. Most of them are easily found online when you search for pet insurance in Hong Kong. Many veterinary clinics, and specifically your vet, can recommend a trusted pet insurance provider to you, giving you peace of mind. Check out our list below of some of the best insurers providing pet insurance in Hong Kong.
How Much Does Pet Insurance Cost?
What Is The Best Pet Insurance Plan?
When Is The Best Time To Get Pet Insurance?
What Does "Deductible", "Limits", and "Reimbursement Rate" Mean?
How Long Does Pet Insurance Take To Kick In?
As with any type of insurance, there is usually a waiting period before your cover becomes fully active. It’s important that you are aware of the waiting period when activating a pet insurance plan. Most waiting periods are usually only 14 days.
What Does Pet Insurance Actually Cover?
OneDegree is a next generation insurer making comprehensive insurance easily accessible to all in just a click. They provide a dedicated protection plan for pets to ensure they receive the best medical attention when needed. What’s more is that they uniquely cover exotic pets with the first and only insurance cover in Hong Kong specialized for 53 species of turtles and tortoises, and 68 types of birds. Their Pet CEO Plan is the only pet insurance in town with absolutely no sub-limits and offers up to HK$80,000.00 annually in medical coverage, with monthly premiums starting at HK$179.00. The Exotic Pet Plan premium is HK$174.30/month. Get a quote here now!
OneDegree, 20th Floor, Fun Tower, 35 Hung To Road, Kwun Tong, Hong Kong, +852 2886 9892, email@example.com, www.onedegree.hk
Blue Cross is a well-established insurer in Hong Kong, with over 50 years of operational experience. Their LovePet Insurance plan is comprehensive, designed to protect your pet at every stage of its life. This plan doesn’t only cover clinical and surgical expenses, veterinary consultations and chemotherapy treatments, but also mental and emotional problems of your pet with coverage for behavioral treatment. Enjoy cover up to HK$60,000.00 annually. Their cover and premiums are determined according to animal type, breed, and age. Check here to get a quote for your pet's cover. Also, have a look at their super affordable LovePet Outpatient Insurance plan to cover all your day-to-day pet outpatient costs.
Blue Cross, 29 Floor, BEA Tower Millennium City 5, 418 Kwun Tong Road, Kwun Tong, Kowloon, Hong Kong, +852 2839 6333, firstname.lastname@example.org, www.bluecross.com.hk
Bolttech Insurance is a trusted insurance provider providing comprehensive pet cover specifically designed for your cats and dogs. Their Pet Care Plan offers geographical cover extending worldwide. They reimburse as much as 80% of eligible vet consultation fees, prescribed medication, clinical & surgical expenses including X-ray and laboratory tests, chemotherapist fees, and post-surgical fees up to 90 days following surgery, up to HK$60,000.00 annually. You can also pay an additional premium on your initial cover to include an extra protection for clinical & surgical expenses up to HK$30,000.00 annually. You can get a quote for cover here with premiums determined according to animal type, breed, and age.
Bolttech Insurance, 9 Floor, FWD Financial Centre, 308 Des Voeux Road, Central, Hong Kong, +852 3123 3344, email@example.com, www.bolttechinsurance.hk
With PetbleCare, their pet insurance cover extends to accidental death, accidental injuries, and loss of your pet due to theft. They cover up to 70% of eligible vet bills arising from illness or accidents, up to a maximum of HK$68,000.00 each year. What we like about PetbleCare is that with their pet insurance cover, you’re free to use any licensed vets in Hong Kong to attend to your beloved pet. They also cover third party liability arising from owning your pet, up to HK$2,000,000.00 annually. Complete the online form here to get a quote, with premiums starting from as little as HK$4.93/day for their standard cover plan.
PetbleCare, 13 Floor, Berkshire House, 25 Westlands Road, Quarry Bay, Hong Kong, +852 2892 3809, firstname.lastname@example.org, www.petblecare.com
MSIG offers Happy Tails® Pet Insurance which covers up to 80% of expenses arising from sickness and accidents with an annual limit of up to HK$68,750.00 for dogs. Their cover extends to surgical treatments including blood transfusions and chemotherapy. They also cover specified hereditary and congenital conditions including Dysplasia, Luxating Patella, Glaucoma, Cherry Eye, Intervertebral Disk Disease (IVDD), and Hip Dysplasia. What’s great about the Happy Tails® Pet Insurance cover is that you get lifetime coverage for your pets if enrolled before age 4. Get a quote here with premiums determined according to animal type, breed, and age.
MSIG, 9 Floor, 1111 King’s Road, Taikoo Shing, Hong Kong, +852 3122 6922, email@example.com, www.msig.com.hk
Well-established and trusted insurers Prudential now offer a PRUChoice Furkid Care Insurance plan for cats and dogs, which provides comprehensive protection from veterinary fees and third-party liability expenses, so you can “pawtect” your furry friend. Besides reimbursement for medical expenses in Hong Kong for illness or injury, they also cover cremation and funeral services costs when your pet passes away, plus pet-sitting costs by a licensed pet sitting facility in Hong Kong in case of your hospitalization or your overseas travel delay for over 2 consecutive days. Have a look at their website here to get a quote for cover.
Prudential, Various branch offices around Hong Kong, +852 2281 1333, firstname.lastname@example.org, www.prudential.com.hk
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