Hong Kong Pet Insurance Comparison 2023 – Coverage vs. Price | 10Life
10Life Team
Pet Insurance provides medical coverage
- Go for routine medical check-ups and vaccinations.
- Bring them to a vet for general consultation if they are unwell. As they are not able to speak, the vet would usually perform some lab tests such as blood/ urine, and in some cases advanced diagnostics such as x-ray, ultrasound.
- Prescribed medications may be needed.
- In more serious cases, hospitalisation and/or surgery may be required.
- If cancer is diagnosed, chemotherapy may be performed.
Table 1: Coverage Comparison (HKD)
Plan | Medical Coverage Annual Limit |
Veterinary Consultation |
Prescribed Medication |
X-ray and Lab tests | Surgical Fee | Room and Board | Chemotherapy | |||
Blue Cross LovePet Insurance Plan A |
$60,000 | $12,000 | $60,0001 | $6,000 | $15,000 | |||||
China Taiping Taiping Pet Care Plan III |
Refer to limits of coverage items |
$1,000 per visit 10 visits per year |
$500 per visit 10 visits per year |
$6,000 per visit $27,000 per year |
$2,000 per day 10 days per year |
$4,000 | ||||
FWD Pet Insurance Plan III |
Refer to limits of coverage items |
$750 per visit 20 visits per year |
$3,750 | $27,000 | $340 per day 12 days per year |
Not mentioned | ||||
MSIG Happy Tails |
Cat Plan | $27,500 | Not Covered | Medically necessary surgery $20,900. This Limit is shared with room and board expenses ($2,090) and post surgical treatment benefit ($1,100) |
$6,600 | |||||
Ultimate Plan (Dog) |
$68,750 | Not Covered | Medically necessary surgery $55,000. This Limit is shared with room and board expenses ($5,500) and post surgical treatment benefit ($2,750) |
$13,750 | ||||||
OneDegree Pawfect Care |
$80,000 | $80,0001 | Cash benefit of $10,0002 |
|||||||
PetbleCare Superior Plan |
$68,000 | non-surgical treatment $8,000 |
$60,000 | Included in non-surgical treatment |
||||||
Prudential PRUChoice Furkid Care Plan B |
$70,000 |
$800 per visit 20 visits per year |
$10,000 | $70,000 | $500 per day3 14 days per year |
$10,0004 $5,000 per visit |
||||
Note:
1. Blue Cross and OneDegree: including ultrasound.
2. OneDegree: 5he lump sum cash benefit is in addition to the annual coverage amount. The benefit can only be claimed once during a pet's lifetime for his/her first cancer diagnosis as long as it is not a pre-existing condition.
3. Prudential: for a confinement of no less than 12 consective hours.
4. Prudential: or heart diseases treatment.
5. The above products do not cover regular medical check-up and vaccination.
6. In alphabetical order by company name |
Focus on the benefit structure
Premium and co-payment can increase with age
Table 2: Price and Terms Comparison (HKD)
Plan |
Issue Age |
Last Coverage Age |
Annual Premium |
Co-payment |
No Claim Discount |
|||
Shiba Inu (age 1) |
Shiba Inu (age 8) |
Shorthair (age 1) |
Shorthair (age 8) |
|||||
Blue Cross LovePet Insurance Plan A |
6 months to 8 years |
Guaranteed renewal up to 13 years (note 1) |
$2,965 |
$6,009 |
$2,965 |
$6,009 |
Age 0 - 4: 20% Age 5 - 8: 30% Age 9 or above: 40% |
✓ |
China Taiping Taiping Pet Care Plan III |
6 months to 8 years |
12 years | $6,000 |
$6,000 |
$6,000 |
$6,000 | 0% |
✕ |
FWD Pet Insurance Plan III |
6 months to 8 years |
Not mentioned | $4,780 | $4,780 | $4,780 | $4,780 | 0% | ✕ |
MSIG Happy Tails |
16 weeks to 8 years |
Not mentioned | $2,553 | $5,957 | $1,213 | $2,830 | Enrolled before Age 4: 20% Enrolled before Age 7: 30% Enrolled before Age 9: 40% |
✓ |
OneDegree Pawfect Care |
13 weeks to 11 years |
No age limit | $3,077 |
$5,932 |
$3,077 |
$5,932 |
Network: 10% Non-network: 30% 13 weeks to 11 months: All HK registered vets50% |
✕ |
PetbleCare Superior Plan |
8 weeks to 8 years |
13 years |
$4,320 | $4,800 | $4,320 | $4,800 | Illness: 30% Accident $300 |
✓ |
Prudential PRUChoice Furkid Care Plan B |
13 weeks to 8 years |
Not mentioned |
$3,823 | $6,595 | $3,823 | $6,595 | 30% |
✕ |
Note:
1. Blue Cross: the policy renewal for insured pet above age 13 is subject to underwriting. Blue Cross claims if it decides to cease offering or suspend this plan, it will endeavour to transfer the insured pet to another available insurance plan for pet. 2. Premium rates may vary by breed type. 3. In alphabetical order by company name. |
Premium rates may vary by age and breed. Some products offer no claim discount.
Is microchip required?
Table 3: Microchip Requirement in Pet Insurance
Plan |
Is microchip required at policy application? |
|
Dogs | Cats |
|
Blue Cross LovePet Insurance Plan A |
Yes | Not a must - can be replaced by vaccination record or other relevant medical report. |
China Taiping Taiping Pet Care Plan III |
Yes | Yes |
FWD Pet Insurance Plan III |
Yes | Yes |
MSIG Happy Tails |
Yes |
Yes |
OneDegree Pawfect Care |
Yes |
Not a must - can be replaced by official document with the pet’s name, such as vaccination records, veterinary receipts, medical reports, or a pedigree certificate . |
PetbleCare Superior Plan |
Yes |
Yes |
Prudential PRUChoice Furkid Care Plan B |
Yes |
Yes |
Note: in alphabetical order by company name. |
Dangerous dog species may have difficulty getting insurance. Owners should be aware of the third-party liability.
Other common benefit items: emergency boarding, advertising expenses and funeral services
Table 4: Comparing Terms and Conditions in Pet Insurance (HKD)
Plan |
Excluded Dog Specie | Third-party Liability Benefit |
Emergency Boarding |
Advertising Expenses |
Funeral Services |
Blue Cross LovePet Insurance Plan A |
Antarctic Husky, Bull Terrier, Dogo Argentino, Fila Brazillier, Japanese Tosa, Pit Bull Terrier, and Tibetan Mastiff |
$1,000,000 (Excess: the first HK$3,000 of each claim) |
$3,000 $500 per day Limit to 6 days Co-payment: 50% |
Not covered | $3,000 |
China Taiping Taiping Pet Care Plan III |
Antarctic Husky, Bull Terrier, Dogo Argentino, Fila Brazillier, Japanese Tosa, Pit Bull Terrier, and Tibetan Mastiff |
$1,000,000 (Excess: the first HK$3,000 of each claim) |
$5,000 Excess:5% |
$2,500 Excess:5% |
$2,000 |
FWD Pet Insurance Plan III |
Dogo Argentino, Fila Brazillier, Japanese Tosa, and Pit Bull Terrier1 |
$1,000,000 (Excess: the first HK$3,000 of each claim) |
Not covered | $400 | $1,500 |
MSIG Happy Tails |
Bull Terrier, Dogo Argentino, Fila Brazillier, Japanese Tosa, Pit Bull Terrier, and Tibetan Mastiff1 |
$2,750,000 (Ultimate Plan Dog) $1,375,000 (Cat Plan) Co-payment varies by age. |
Not covered | Not covered |
$1,375 |
OneDegree Pawfect Care |
No exclusion | Not covered | Not covered | Not covered | Not covered |
PetbleCare Superior Plan |
Bull Terrier, Dogo Argentino, Fila Brazillier, Japanese Tosa, Pit Bull Terrier, and Tibetan Mastiff1 |
$2,000,000 (Excess: the first HK$3,000 of each claim) |
Not covered | $300 | $1,000 |
Prudential PRUChoice Furkid Care Plan B |
Antarctic Husky, Bull Terrier, Tibetan Mastiff, and dog breeds under the Dangerous Dogs Regulation (Chapter 167D) 1,4 |
$3,000,000 (Excess: the first HK$3,000 of each claim) |
$3,0005 $500 per day Limit to 6 days |
Not covered |
$3,000 |
Note: 1. Including mixed breed of these dog breads. 2. Blue Cross and China Taiping: reimbursement of pet sitting expenses incurred at pet sitting facility if the policyholder is hospitalised for more than 4 consecutive days. 3. MSIG: enrolled before Age 4: 20%; enrolled before Age 7: 30%; enrolled before Age 9: 40%. 4. Prudential: reimbursement of pet sitting cost of your furry kid at a licensed pet sitting facility in Hong Kong in case of hospitalisation or overseas travel delay of paw-rent for over 2 consecutive days. 5. In alphabetical order by company name. |
Pet insurance can be purchased online - compare before you buy
Turtle and Bird Pet Insurance Debut
1. Assuming enrolled in the highest tier plan.
2. The premium rates above are updated as of 31 Jan 2023 and exclude any insurance levy collected by the Insurance Authority.
3. The above information is updated as of 31 Jan 2023.
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