Pet Insurance

Yes, it is mandatory to upload copies of your HKID through your OneDegree customer account before cancelling your Pet or Critical Illness policy. 　 If you need to cancel your home insurance or fire insurance policy, you must complete the policy cancellation form and upload it to our online platform. We will contact you further regarding the policy cancellation and refund arrangements.

In the claims application, we require the customer to upload the clinic receipt and proof of full payment. The clinic receipt must include the following information: 　 • Microchip number (if any) • Your pet's name • Charge breakdown • The diagnosis • First symptom date • Vet signature and stamp • Your pet's age (if any) 　 We also need a histopathology report from your vet if you're filing a claim for the Cancer Cash Benefit. 　 Please keep the original receipts until the claim is paid, as we may need them for verification purposes. We may also require you to provide your pet's medical records, including examination and diagnostic test reports, etc, from all previous visits to veterinarians.

You can start filing the pet insurance claim by: 　 1. Log in to your account: Login | OneDegree 2. Choose the related policy under “Your Policies.” 3. Click "File a Claim" to start making a claim 　 To avoid claim denial due to delays, claims must be submitted within 30 days of the consultation or discharge date. 　 For information on the required documents for claims, please see: Do I need to prepare and submit any documents for pet insurance claim filing?

The optional rider Feline Infectious Peritonitis (FIP) Additional Coverage provides a maximum coverage of up to HK$25,000  for cats aged 1-11 years that have not previously been diagnosed with FIP. This additional coverage allows you to claim 70% of the costs for the prescription medication GS-441524. 　 Since FIP is an excluded condition under the policy, this additional coverage does not include other medical expenses (such as consultation fees, laboratory tests, and hospitalization), and claims can only be made once in a lifetime. For more details, please refer to policy documents.

You must submit a claim within 30 days after your pet's veterinary visit. For inpatient claims, the discharge date will be treated as the visit date. To avoid missing the deadline, we recommend submitting your claim as soon as possible after each visit. Unfortunately, we are unable to process any claims submitted after the 30-day period. 　 If your pet has been hospitalized for more than 30 days and has not yet been discharged, you may coordinate with the veterinary clinic to settle part of the medical expenses first. Please submit the paid receipt(s) along with all required claim information (e.g. Diagnosis and Date symptoms appeared, etc.). We will process that portion of your claim accordingly.