We purchase insurance plans for humans, so why not for our furkids? Nowadays, your veterinarian bill can be even pricier than your hospital one. Nearly every treatment comes with a steep price tag. Imagine if your pet swallowed the wrong food, has skin allergies, or even - touch wood - acquired chronic illness. That said, we haven't even touched on the potential compensation for if your pet accidentally harms someone while out for a walk. As a pet owner, it's a good idea to secure the best pet insurance in Hong Kong. How handy is it and what does it cover? Today at Kwiksure, we'll answer your FAQs and compare pet insurance to find the best pet insurance in Hong Kong.
As we all know, veterinarian care can be incredibly costly in Hong Kong. Pet insurance can cover your pet’s medical expenses, liability to third parties, and sponsor missing pet advertisements, as well as unexpected funerals resulting from accidents. Currently, most of the pets covered by pet insurance are still cats and dogs.
Outpatient and surgical expenses are the most common medical protection in pet insurance. See below for a non-exhaustive list of what's covered.
Some pet insurance plans also cover the cost of specific diagnosis and treatment methods, such as chemotherapy and behavioral treatment.
Occasionally, you hear news of furkids accidentally injuring others in play. Third party liability protection can compensate for any injury, death, illness, or loss of property caused by the insured pet to a third party.
This is similar to third-party liability insurance in home insurance or third-party car insurance. However, note that not all breeds can be insured. Working dogs who are involved in competitions, stunts, drug detection are usually exempted. The same goes for naturally aggressive breeds.
In the unfortunate case of your pet's death, pet insurance in Hong Kong can cover the cost of its cremation, funeral service fees, and any handling fees charged by your vet or funeral service provider.
Pet insurance premium is usually based on your pet's age, breed, medical history, and physical condition. Keep in mind that most plans out there set a minimum and maximum age at which your pets can apply for insurance. It's usually between 8 weeks to 6 months old. Rarely do insurers not set a limit on what age your pets must be insured by. However, those that don't will still reject applicants around 11-13 years old. Either way, as your furkid ages, the premium increases.
The monthly premium for the basic plan for puppies and kittens (less than 6 months old) ranges from HKD $95 to HKD $116. For older furkids (8 years old and up), it ranges from HKD $326 to HKD $403.
Besides comparing pet insurance premiums on leaflets, you should also carefully compare the upper limit of individual items/benefits. Double-check whether you'll need to co-pay with the insurer or pay for the initial cost if you've exceeded your upper limit.
As with health insurance for humans, get to know the policy exclusions before buying insurance. Pre-existing conditions, congenital diseases, certain breeds of cats and dogs, and pets without chip implants are some of the more common pet insurance exclusions.
Most pet insurance plans have a waiting period. This means you must wait for a specific period of time before you can claim compensation, even after purchasing pet insurance. Generally, the waiting period for pet insurance in Hong Kong is one month. That said, when it comes to certain policies (e.g. orthopedic diseases, chronic kidney disease, cancer, and genetic diseases), this can last up to six months.
Haven't made any claims for years? Your insurance company will likely reward you with a discount as you renew your policy for next year. Keep in mind that not all pet insurance in Hong Kong offers this discount.
The simpler the claim procedure, the better. After all, who has the time to sort through complicated procedures when your furkid is sick and requires medical assistance?
Learn about your insurer's required documents, the general time it takes to process claims, and whether the procedures are convenient before securing a plan.
Blue Cross Pet Care pet insurance provides comprehensive medical protection with coverage for the following items:
*Third-party liability protection may be upgraded according to your needs.
Kwiksure has over 20 years of experience in the pet insurance industry, comparing quotes from over 60 insurers in Hong Kong. Use our online quotation tool now to get a free pet insurance quote!
The above information is for reference only. Kwiksure takes no responsibility for the accuracy and timeliness of the information. For the coverage, mode of compensation, benefit limit and premium levels of any specific insurance plan, please refer to the relevant policy terms.
Kwiksure is a licensed motor insurance brokerage company with over 20 years of experience in insurance. The company strives to simplify insurance and select the best insurance plans for customers that fit their budget and coverage needs.
Kwiksure provides a range of insurance products, including car insurance, motorcycle insurance, cross-border insurance between Hong Kong and Mainland China, home insurance, travel insurance, domestic helper insurance, and voluntary medical insurance. The team has been named "Best Car Insurance Broker" and "Outstanding Leadership Award" by various media outlets over the years.
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