What is reimbursement rate? How does it work?

Reimbursement rate is the percentage of eligible expenses we will reimburse. You can bring your pet to a vet of your choice - if your vet's clinic is in our network, then the reimbursement rate is 90%. If you visit a non-network clinic, the rate is 70%. E.g.: For a vet bill of HKD 100, you can claim back as much as HKD 90 for a network clinic, and up to HKD 70 if it's from a non-network clinic.

For all new policies that are issued from 1 December 2022, if the insured pet's age is between 13 weeks to 11 months at enrollment, the 50% Reimbursement Rate (applicable to all HK registered vets) will be applied throughout the whole policy year.