Embrace with Care, Upgrade for Love
Enroll on or before 31 Dec 2024 to enjoy 15% off your first year’s premium!
The one and only Pet CEO Plan® in town
Only pet insurance in town with absolutely no sublimits
If your pet is 1 year old or older at the time of enrollment, you can receive reimbursements for eligible expenses up to 90%**.
Medical coverage up to HKD 100,000
Pet CEO Plan® provides medical coverage up to HKD 100,000 annually, and covers all registered vets in Hong Kong.
Insure before age of 11 and enjoy no age limit on renewal
With Pet CEO® Plan, cats and dogs up to age 11 of any breed can apply for a policy. There’s no age limit on renewal^.
Lifetime coverage for chronic illnesses
We provide lifetime coverage of chronic illnesses to pets that enrolled at or before age 4, including allergies, chronic kidney failure, and cancer.
Cash benefit for cancer HKD10,000
A HKD 10,000 one-off cash if your furry one does get cancer unfortunately. That’s in addition to the medical costs we cover.
Supplementary Critical illness cash benefit HKD10,000
Qualified pets can add coverage for CI, such as epilepsy, limb paralysis, or dislocation of the patella.
Enter your pet's info and get a quote instantly
Reference Plan
Optional
Highest Coverage2. Calculation of the insured age: Insured age is based on your pet's age at its last birthday. For example, if the pet is 1 year and 10 months old, please select 1 year old; if the pet is less than 1 year old, please select 13 weeks to 11 months, and so on.
What’s not covered?
Why do you need pet insurance?
Do you know that it costs HK$680,000* to raise a pet for its entire life? Veterinary fees and medication expenses account for 17.2% of that cost!
Insurance can protect against unknown medical expenses for pets, relieving your stress
Ingestion of foreign objects
Average medical expenses
Uterine abscess
Average medical expenses
Pulmonary edema
Average medical expenses
Pulmonary infection
Average medical expenses
Urinary tract infection
Average medical expenses
Gastric dilation-volvulus syndrome
Average medical expenses
Atlantoaxial dislocation
Average medical expenses
Humerus fracture
Average medical expenses
Diagnosis
General, Specialist and 24-hour clinic consultation fee
Laboratory test
X-ray and ultrasound, blood and urine testing, stool examination, histopathology (tissue biopsy) testing, and fine needle aspiration (FNA) testing
Prescription medication
Costs for prescription medications, bandaging, and injectable medications prescribed by a registered veterinarian
Surgery
Surgical fees and related expenses
Overnight hospitalization fee
The overnight stay refers to hospitalization time extending beyond midnight; if admission and discharge occur on the same day, it is not covered within the scope of protection
Cancer and supplementary critical illness cash benefit
Additional lump sum cash benefit
Protect the health of your furry kid
Cases and claims
In March, the owner purchased the Pet CEO Plan® for Takoyaki, a 1-year-old short-haired cat.
In September, Takoyakil experienced hair loss, redness, and other issues. The owner took Takoyakil to a veterinarian within the OneDegree network for consultation, and it was ultimately diagnosed with atopic dermatitis.
Atopic dermatitis is a chronic condition that involves various expenses for diagnosis, treatment, laboratory tests, and medication. During the policy period, the owner spent a total of HK$30,000.
Fortunately, the owner had purchased Pet CEO Plan® for Takoyaki, which allows for a maximum claim of 90% for visits to network clinics. As a result, the owner only needed to bear:
In August, the owner purchased the Pet CEO Plan® for Pumpkin, a 3-year-old Shiba Inu.
In February, Pumpkin continuously vomited and showed a loss of appetite due to ingesting a foreign object (a sock). The owner took Pumpkin to an emergency veterinary clinic, where the veterinarian immediately conducted X-rays and other examinations. It was determined that Pumpkin had an intestinal obstruction and required surgery.
Including laboratory fees, X-rays, consultation fees, medication, hospitalization costs, and surgical expenses, along with follow-up consultation fees, the medical expenses for Pumpkin's intestinal obstruction amounted to HKD62,000.
Due to Pumpkin's coverage under the Pet CEO Plan® and the ability to claim up to 90% when visiting network clinic, the owner only needed to bear:
The owner started purchasing the Pet CEO Plan® for Miumiu, a British Shorthair cat, 3 years ago.
After 3 years, Miumiu developed swelling and discharge in the breast tissue, requiring treatment at the veterinary clinic. After undergoing X-rays and tissue biopsy examinations, it was determined that Miumiu had been diagnosed with breast cancer due to not being spayed. She needed to undergo surgery for tumor removal and receive chemotherapy.
The total medical expenses for Miumiu (including surgery and hospitalization costs, among others) amounted to HK$95,500. Since Miumiu received treatment from our network clinic, the pet owner can claim up to 90% of the expenses. Therefore, the owner only needs to bear HKD9,550.
Additionally, Miumiu is eligible for a cancer cash benefit of up to HKD10,000, allowing the pet owner to freely arrange how to support Miumiu through this difficult time.
In March, the owner purchased the Pet CEO Plan® for Takoyaki, a 1-year-old short-haired cat.
In September, Takoyakil experienced hair loss, redness, and other issues. The owner took Takoyakil to a veterinarian within the OneDegree network for consultation, and it was ultimately diagnosed with atopic dermatitis.
Atopic dermatitis is a chronic condition that involves various expenses for diagnosis, treatment, laboratory tests, and medication. During the policy period, the owner spent a total of HK$30,000.
Fortunately, the owner had purchased Pet CEO Plan® for Takoyaki, which allows for a maximum claim of 90% for visits to network clinics. As a result, the owner only needed to bear:
In August, the owner purchased the Pet CEO Plan® for Pumpkin, a 3-year-old Shiba Inu.
In February, Pumpkin continuously vomited and showed a loss of appetite due to ingesting a foreign object (a sock). The owner took Pumpkin to an emergency veterinary clinic, where the veterinarian immediately conducted X-rays and other examinations. It was determined that Pumpkin had an intestinal obstruction and required surgery.
Including laboratory fees, X-rays, consultation fees, medication, hospitalization costs, and surgical expenses, along with follow-up consultation fees, the medical expenses for Pumpkin's intestinal obstruction amounted to HKD62,000.
Due to Pumpkin's coverage under the Pet CEO Plan® and the ability to claim up to 90% when visiting network clinic, the owner only needed to bear:
The owner started purchasing the Pet CEO Plan® for Miumiu, a British Shorthair cat, 3 years ago.
After 3 years, Miumiu developed swelling and discharge in the breast tissue, requiring treatment at the veterinary clinic. After undergoing X-rays and tissue biopsy examinations, it was determined that Miumiu had been diagnosed with breast cancer due to not being spayed. She needed to undergo surgery for tumor removal and receive chemotherapy.
The total medical expenses for Miumiu (including surgery and hospitalization costs, among others) amounted to HK$95,500. Since Miumiu received treatment from our network clinic, the pet owner can claim up to 90% of the expenses. Therefore, the owner only needs to bear HKD9,550.
Additionally, Miumiu is eligible for a cancer cash benefit of up to HKD10,000, allowing the pet owner to freely arrange how to support Miumiu through this difficult time.
Diagnosis
General / Specialist / 24-hour clinic consultation fee
Submit a claim
Submitting a claim is very simple. Just take a photo of the receipts and other relevant documents, upload them to the website, and answer a few simple questions to complete the claim application.
Receive compensation
For any successful claim application, the compensation amount will be directly deposited into the bank account you provide.
Diagnosis
General / Specialist / 24-hour clinic consultation fee
Submit a claim
Submitting a claim is very simple. Just take a photo of the receipts and other relevant documents, upload them to the website, and answer a few simple questions to complete the claim application.
Receive compensation
For any successful claim application, the compensation amount will be directly deposited into the bank account you provide.
Experience the fast claims process of Pet CEO Plan® now
Frequently asked questions
What are network clinics and non-network clinics?
You see this a lot in human medical insurance too, Pet CEO Plan® Policyholders can choose to bring their pets to any registered vet that is part of OneDegree's vet network, then the max reimbursement is 90% of eligible expenses. If they visit a non-network clinic, the reimbursement rate is up to 70%. Check out our vet network.
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.
Any limitation for pets to enroll with Pet CEO Plan®?
Pets from 13 weeks to 11 years old of any breed are eligible to apply for a policy, and no microchip number / proof is required upon application.
Can I file a pet's claim instantly after policy start date?
To make sure all pets obtain fair protection, most insurers setup a waiting period.
Pet CEO Plan® also does this to prevent pet owners from buying policies after their pets get sick or injured and making claims for existing conditions. There is a 28-day waiting period from the Policy Start Date before you can start making claims. For policies that are effective on or before 12 Jan 2022, a 180-day waiting period will be posed for cancer, orthopedic conditions, chronic renal disease and hereditary conditions;
For policies that are effective from 29 May 2024 and onwards, only cancer and supplementary Critical illness cash benefits (if applicable) will be imposed a 180-day waiting period.
Can I enroll my pet if he/she has a diagnosed medical condition?
Any pet that meets the eligibility requirements can apply for a policy. However, an illness or a condition that is diagnosed before your policy start date or during waiting periods, which also listed on our policy wordings that belongs to pre-existing conditions, that means you won’t be able to claim vet expenses related to that condition, but accidents or other health problems that occur after the policy takes effect will be covered. To ensure your pet can get the most comprehensive health protection, we encourage pet owners to insure their pets as early as possible.
Will my premium increase when I renew my pet’s policy?
It's possible that the premium may be adjusted or remain unchanged* when it's time to renew your policy. Factors we consider for pricing adjustments including but not limited to:
- Collective claim experience in the preceding years by Hong Kong pet owners
- Your pet’s age at renewal#
- Average increase of the veterinary surgeon charges
As the exact renewal premium will be calculated based on the factors stated above, we therefore cannot provide preview on renewal premium beforehand. Please rest assured that if there’s any adjustment, we will indicate the renewal premium 30 days before the policy renewal. If you prefer not to renew the policy, you may stop the auto-renewal function of the policy through our online system upon receiving the renewal notice. If you do not stop such function, the policy will be automatically renewed so that your pet’s protection will not be disrupted.
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*Premium discount offered by Promo code is only applicable to the first year of a policy. The renewal premium will be calculated based by the original price according to the pet’s age.
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#Pet CEO Plan® premiums will be adjusted based on the age of the insured.
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The premium trend is for reference only, no upper age limit for renewal. The exact renewal premium indicated in the Renewal Notice shall prevail. OneDegree reserves the right of final decision.
Terms and Conditions
- This promotion is valid from now until 31 Dec 2024 ("Promotion Period").
- OneDegree’s system will automatically apply the 15% premium discount (“Offer”) on Pet Insurance to applicable plans and payment mode and display it on the website.
- The discounted premium will be rounded to the nearest whole number during quotation for display purposes. The actual premium payable will be shown at checkout and shall be the final amount.
- Only the applicants who do not currently hold any effective Pet Insurance and have not held any effective Pet Insurance policy(ies) in the past 3 months from the date of application of the Pet Insurance are eligible for this promotion.
- The Offer is only applicable to premiums for the first year of a policy.
- For details of coverage, terms, conditions, and exclusions of Pet Insurance, please refer to the policy wordings.
- OneDegree may terminate this promotion without notice. All matters or disputes in relation to the promotion and the interpretation of terms and conditions shall be subject to the decision of OneDegree, which shall be final and binding.
- In case of any discrepancy between the English and Chinese versions, the English version shall prevail.
^ OneDegree reserves the right of underwriting for all insurance applications.
* OneDegree commissioned Ipsos, an independent market research firm Ipsos, to conduct a “Hong Kong Pet Spending Survey” on February 2024. The total general and medical expenses incurred over a pet’s assumed 14-year lifespan, calculated based on the responses from surveyed pet owners with pet insurance.
