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Table of Content
What Does Pet Insurance Cover?
Pet Insurance Actuarial Ratings
Which Pet Insurance Plan Is Best?
Is Lifetime Renewal Important?
Check Whether a No-Claims Discount Is Available
2. Do Not Look Only at the Annual Benefit Limit
2. Do Not Look Only at the Annual Benefit Limit
3. Pay Attention to Co-insurance and Application Requirements
4. Multi-Pet Households May Consider Shared Plans
Does a Pet Need to Be Microchipped Before It Can Be Insured?
What Are Considered Dangerous Dog Breeds, and Can They Be Insured?
Other Common Benefits: Emergency Pet Boarding and Funeral Services
Important Exclusions to Review Before Applying
Can Tortoises and Birds Be Insured?
When Is the Best Time to Purchase Pet Insurance?
Conclusion: The Most Expensive Pet Insurance Is Not Necessarily the Best
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Best Pet Insurance in Hong Kong 2026: Compare Plans, Coverage and Prices
Veterinary bills in Hong Kong can add up quickly, especially when a pet needs diagnostic tests, surgery, hospitalisation or ongoing treatment. Pet insurance can help reduce the financial impact, but choosing the right plan involves more than simply comparing premiums.
Coverage can vary significantly between insurers, particularly for outpatient treatment, surgery, prescription medication, co-insurance and policy renewal. Some plans may offer a high annual benefit limit but impose lower caps on individual treatments, while others may provide broader coverage with a higher co-insurance rate.
In this guide, 10Life compares popular pet insurance plans from OneDegree, Blue Cross, MSIG and Prudential. We review their premiums, coverage, entry and renewal ages, key policy conditions and 10Life actuarial ratings to help cat and dog owners find a plan that better suits their pet’s needs.
What Does Pet Insurance Cover?
Pets may require medical care for anything from a minor illness to a serious injury or chronic condition. As most veterinary treatment in Hong Kong is provided privately, consultation, diagnostic and treatment costs can be substantial.
Common pet healthcare expenses may include:
Routine Check-ups and Vaccinations
Regular health checks and vaccinations can help maintain your pet’s health and detect potential problems early. However, these expenses are generally not covered by pet insurance.
Veterinary Consultations and Diagnostic Tests
As pets cannot explain how they are feeling, veterinarians may need to carry out blood tests, stool tests, X-rays, ultrasound scans or other examinations to identify the cause of an illness.
Prescription Medication
Pets may require short-term medication for an illness or injury, or ongoing medication to manage a chronic condition.
Hospitalisation and Surgery
More serious illnesses and injuries may require hospital observation, specialist treatment or surgery.
Cancer and Long-Term Treatment
As pets age, their risk of cancer and chronic conditions may increase. Treatment can involve chemotherapy, repeated consultations, medication and long-term care.
Table 1: Premium Comparison for Four Pet Insurance Plans (HKD)
Assuming insured is Shiba Inu (dog)/ Shorthair (cat)
| Plan | Score | Issue Age | Last Coverage Age | Annual Premium | |||
| Shiba Inu (age 1) | Shiba Inu (age 8) | Shorthair (age 1) | Shorthair (age 8) | ||||
| OneDegree Pet CEO Plan – Prestige Plan | 9.6 | 13 weeks to 11 years | No age limit | $3,391 25% off promo code: 10LIFECEO25 Apply now | $6,203 25% off promo code: 10LIFECEO25 Apply now | $3,391 25% off promo code: 10LIFECEO25 Apply now | $6,203 25% off promo code: 10LIFECEO25 Apply now |
| Blue Cross LovePet Insurance Plan A | 7.4 | 6 months to 8 years | Guaranteed renewal up to 13 years (note 1) | $5,864 promo code: 10LIFE Apply now | $13,171 promo code: 10LIFE Apply now | $4,031 promo code: 10LIFE Apply now | $8,579 promo code: 10LIFE Apply now |
| MSIG Happy Tails | 3.9 | 16 weeks to 8 years | Not mentioned | $2,553 | $5,957 | $1,213 | $2,830 |
| Prudential PRUChoice Furkids – Plan B | 4.5 | 13 weeks to 8 years old | Not specified on the website | $3,823 | $6,595 | $3,823 | $6,595 |
Notes
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As pets grow older, the likelihood of illness and major medical needs increases. Are the above pet insurance plans sufficient? In addition to the annual benefit limit, owners should also pay attention to outpatient coverage, surgical benefits and individual reimbursement limits. These are explained in detail below.
Pet Insurance Actuarial Ratings
10Life’s actuaries mainly compare pet insurance products based on the following two areas:
- Medical coverage: 90%
- Guaranteed renewal terms: 10%
Medical coverage is further divided into inpatient and outpatient coverage.
The comparison shows that OneDegree received the highest ratings for both inpatient and outpatient coverage, giving it the highest overall rating. Some products also impose additional application and claims requirements.
Table 2: Rating Comparison for Four Pet Insurance Plans
| Product / Plan | Overall Rating | Pet Inpatient Coverage Rating | Pet Outpatient Coverage Rating | Guaranteed Renewal Terms |
| OneDegree Pet CEO Plan – Prestige Plan | 9.6 | 8.6 | 8.7 | 1 |
| Blue Cross LovePet Insurance Plan A | 7.4 | 6.3 | 6.6 | 1 |
| MSIG Happy Tails – Superior | 3.9 | 7.9 | 0 | 0 |
| Prudential PRUChoice Furkids – Plan B | 4.4 | 6.6 | 2.3 | 0 |
A score of 1 is awarded if renewal is guaranteed. No additional point is awarded where renewal is not guaranteed. Notes
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Which Pet Insurance Plan Is Best?
A Guide for New Pet Owners: At What Age Can Cats and Dogs Be Insured?
Many owners prefer to insure their pets while they are still young, so that future health problems are less likely to affect their coverage.
Entry-age requirements differ considerably between products. For example, OneDegree accepts pets from 13 weeks old, while Blue Cross requires pets to be at least six months old. MSIG and Prudential accept pets from 13 to 16 weeks old.
Generally, purchasing insurance earlier can reduce the risk that existing medical conditions will affect coverage. Premiums may also be lower. In particular, if a condition develops before the policy is taken out, future treatment relating to that condition may be excluded from coverage.
Is Lifetime Renewal Important?
Many pet owners focus only on premiums, but renewal arrangements are equally important. As pets grow older, their risk of illness increases. If a plan imposes a maximum renewal age, the pet may eventually lose its coverage.
Among the four products, OneDegree states that pets insured before the age of 11 may continue renewing for life, with “no age limit upon renewal”. Blue Cross provides guaranteed renewal up to age 13.
For MSIG and Prudential, the websites do not clearly specify the maximum renewal age and only state that renewal is subject to underwriting terms.
However, owners should note that “no age limit upon renewal” is not necessarily the same as “guaranteed renewal”. The former does not always mean that the insurer is required to renew the policy, as some insurers may retain the right to review renewal applications each year.
Owners who want their pets to remain insured in old age should therefore pay particular attention to the relevant renewal clauses and detailed policy terms.
MSIG’s policy terms also state that the insured pet must undergo a specified clinical examination within 30 days before or after the policy effective date. The examination results must be submitted to MSIG when the first claim is made. If the required documents cannot be provided, the policy may become invalid.
Check Whether a No-Claims Discount Is Available
Some insurers, including Blue Cross and MSIG, offer a no-claims discount. Policyholders who do not make a claim during a specified period may receive a premium discount.
For example:
- No claims for one year: 5% discount
- No claims for two consecutive years: 10% discount
- No claims for three consecutive years: 15% discount
Blue Cross vs OneDegree: Premium Comparison by Breed and Age
| Breed | Age | Blue Cross LovePet Plan A | OneDegree Pet CEO Plan |
| Golden Retriever | 1 year old | HK$6,515 per year | HK$9,702 per year |
| 8 years old | HK$13,864 per year | HK$17,802 per year | |
| Shiba Inu | 1 year old | HK$6,515 per year | HK$4,521 per year |
| 8 years old | HK$13,864 per year | HK$8,270 per year | |
| British Shorthair Cat | 1 year old | HK$4,479 per year | HK$4,521 per year |
| 8 years old | HK$9,532 per year | HK$8,270 per year | |
| Maine Coon Cat | 1 year old | HK$4,479 per year | HK$5,750 per year |
| 8 years old | HK$9,532 per year | HK$10,418 per year |
2. Do Not Look Only at the Annual Benefit Limit
When comparing pet insurance, many owners first look at the annual medical benefit limit. However, a high annual limit does not necessarily mean that the plan provides more comprehensive coverage.
Different plans may be structured very differently. Some impose separate limits on outpatient treatment, surgery and hospitalisation. Others allow several benefit items to share the same reimbursement limit.
2. Do Not Look Only at the Annual Benefit Limit
When comparing pet insurance, many owners first look at the annual medical benefit limit. However, a high annual limit does not necessarily mean that the plan provides more comprehensive coverage.
Different plans may be structured very differently. Some impose separate limits on outpatient treatment, surgery and hospitalisation. Others allow several benefit items to share the same reimbursement limit.
Table 3: Coverage Comparison for Four Pet Insurance Plans (HKD)
| Plan | Annual Medical Benefit Limit | Outpatient Treatment | Prescribed Medication | X-rays and Diagnostic Tests | Surgical Fee | Hospital Accommodation | Cancer Treatment | Co-insurance | |
| OneDegree Pet CEO Plan – Prestige Plan | $100,000 | Up to$100,0001 | One-off cash benefit of $10,000² | In-network:10% Out-of-network:30% 13 weeks to 11 months: 50% with any registered veterinarian in HK | |||||
| Blue Cross LovePet Insurance Plan A | $60,000 | $12,000 | $60,0001 | $6,000 | $15,000 | Age 0–8: 30% Age 9 or above: 40% | |||
| 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 | Insured before age 4: 20% Insured before age 7: 30% Insured before age 9: 40% | |||
| 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 | |||||
| Prudential PRUChoice Furkids – Plan B | $90,000 | $800 per visit, up to 20 visits per year | Up to $10,000 per visit | $90,000 | $500 per day, up to 14 days per year | $10,000, subject to a limit of $5,000 per claim | 30% | ||
Note:
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Both OneDegree and MSIG allow certain benefits to share a combined reimbursement limit, which may offer greater flexibility when making a claim.
However, MSIG’s coverage is mainly focused on surgery-related expenses. Surgery, hospital accommodation and post-surgical treatment all share the same benefit limit.
Prudential uses a different benefit structure. Although its annual medical benefit limit is as high as HK$90,000, many individual benefits are subject to separate sub-limits. For example, outpatient treatment is reimbursed up to HK$800 per visit, with a maximum of 20 visits per year. Hospital accommodation is also subject to a daily reimbursement limit.
As a result, even where the overall annual benefit is relatively high, the amount actually reimbursed will depend on the limits applied to each treatment or benefit category.
Cancer coverage also varies between plans. Blue Cross provides up to HK$15,000 for cancer chemotherapy, while OneDegree offers a one-off HK$10,000 cash benefit for pets diagnosed with cancer for the first time.
Among the four products compared, MSIG’s Cat Plan provides lower annual medical coverage and lower individual benefit limits than its Dog Plan. The other products provide the same level of coverage for cats and dogs.
When comparing pet insurance, owners should therefore look beyond the annual benefit limit and consider the reimbursement limits and structure of each individual benefit.
3. Pay Attention to Co-insurance and Application Requirements
Some products impose co-insurance, meaning that owners must pay a portion of the medical expenses themselves.
For example:
- MSIG: 20% to 40%, depending on the pet’s age
- Blue Cross: 30% to 40%, depending on the pet’s age
This means that as a pet grows older, the percentage of expenses paid by the owner may also increase.
MSIG’s policy terms also require the insured pet to complete a specified clinical examination. The examination records must be submitted when the first claim is made. Failure to provide the records may affect the validity of the policy.
4. Multi-Pet Households May Consider Shared Plans
Households with more than one pet may also wish to check whether a product offers multi-pet discounts or shared coverage.
For example, Blue Cross’s LovePet outpatient medical shared plan can cover up to three pets under one plan. The benefit limit is shared among all insured pets, which may offer greater flexibility for multi-pet households.
With OneDegree, owners generally need to purchase a separate policy for each pet. However, the insurer may occasionally offer limited-time multi-pet discounts or promotional offers, so owners should check the latest promotions before applying.
Does a Pet Need to Be Microchipped Before It Can Be Insured?
Most insurers require insured pets to have a microchip. Dogs generally must be microchipped before they can be insured, although some products offer more flexible arrangements for cats.
For example, OneDegree, Blue Cross and Prudential allow cat owners to submit documents displaying the cat’s insured name instead of providing microchip information. These may include vaccination records, medical records or veterinary documents.
Owners whose pets have not yet been microchipped should check the requirements of each product before applying.
Table 4: Do Insured Pets Need to Be Microchipped?
| Plan | Is microchip required at policy application? | |
| Dogs | Cats | |
| OneDegree Pet CEO Plan – Prestige Plan | Yes | Not necessarily. Documents displaying the insured cat’s name may be accepted, including a vaccination record card, veterinary clinic receipt, medical examination or test report, or pedigree certificate. |
| Blue Cross LovePet Insurance Plan A | Yes | Not necessarily. A vaccination record card or other relevant medical report may be accepted. |
| MSIG Happy Tails | Yes | Yes |
| Prudential PRUChoice Furkids – Plan B | Yes | Not necessarily. Documents displaying the insured cat’s name may be accepted, including vaccination documents, medical records or receipts issued by a registered veterinarian. |
| Note: in alphabetical order by company name. | ||
What Are Considered Dangerous Dog Breeds, and Can They Be Insured?
Some pet insurance products restrict coverage for dangerous dog breeds. Even where such breeds are accepted, owners should pay particular attention to third-party liability coverage.
Generally, most pet insurance plans provide at least HK$1 million in third-party liability coverage. This covers the owner’s legal liability if the insured pet causes bodily injury to another person or damages another person’s property.
However, many products exclude certain dangerous dog breeds, such as:
- Dogo Argentino
- Fila Brasileiro
- Japanese Tosa
- Pit Bull Terrier
The list of accepted breeds may differ between insurers, and some mixed-breed dogs may also be subject to restrictions. Owners should therefore confirm the policy terms and coverage before applying.
OneDegree does not restrict applications based on dog breed. However, certain breeds classified as dangerous dogs are not covered by its third-party liability benefit.
This means that if the dog bites another dog or pedestrian, or causes property damage, the owner may need to bear the resulting legal liability and compensation costs personally.
Table 5: Comparing Terms and Conditions in Pet Insurance (HKD)
| Plan | Excluded Dog Specie | Third-party Liability Benefit | Emergency Boarding | Advertising Expenses | Funeral Services |
| OneDegree Pet CEO Plan – Prestige Plan | No exclusion | Not covered | Not covered | Not covered | Not covered |
| 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 |
| 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 |
| Prudential PRUChoice Furkids – Plan B | Alaskan Malamute, Bull Terrier, Tibetan Mastiff and any dog classified under the Dangerous Dogs Regulation¹,⁴ | $3,000,000, with a deductible of $3,000 per claim | $3,000; $500 per day for up to six days | Not applicable | $3,000 |
Note:
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Other Common Benefits: Emergency Pet Boarding and Funeral Services
Apart from medical coverage, some pet insurance products provide additional benefits, such as:
- Emergency pet boarding
- Third-party liability
- Funeral or cremation services
For example, if the policyholder is hospitalised for more than a specified number of days and cannot care for the pet, some products will reimburse temporary boarding expenses. Blue Cross provides up to HK$3,000 in pet boarding coverage.
If a pet passes away, some products also reimburse cremation or funeral expenses. Among the products compared, all except OneDegree offer this benefit. Blue Cross and Prudential provide reimbursement of up to HK$3,000.
Important Exclusions to Review Before Applying
Although most pet insurance products support online applications, owners should consider both premiums and policy exclusions before purchasing coverage.
Common exclusions include:
- Pre-existing medical conditions
- Routine health checks
- Dental cleaning
- Neutering or spaying
- Vaccinations
- Certain congenital conditions
- Certain infectious diseases, such as feline infectious peritonitis, or FIP
Owners should understand the coverage and restrictions before applying, so that there are no unexpected differences between their expectations and the amount payable when a claim is made.
Can Tortoises and Birds Be Insured?
In addition to insurance for cats and dogs, products for other pets have also started to appear in the market.
For example, OneDegree offers insurance for specified tortoise and bird species. Pets between one and ten years old may apply, and coverage includes outpatient treatment, hospitalisation and surgery.
However, there are still relatively few products available, and their coverage and underwriting requirements differ from those for cats and dogs. Owners should read the product terms carefully before applying.
When Is the Best Time to Purchase Pet Insurance?
Generally, purchasing pet insurance earlier offers several advantages.
As a pet grows older, its risk of illness tends to increase. Once a health problem develops, it may be treated as a pre-existing condition and may not be covered by a future policy.
Many products also adjust their premiums based on the pet’s age, meaning that premiums may become more expensive if the owner waits longer before purchasing coverage.
In this comparison, premiums for eight-year-old pets are generally significantly higher than those for one-year-old pets. For some products, the difference amounts to several thousand Hong Kong dollars.
Entry-age restrictions are also important. OneDegree accepts pets from 13 weeks old, while some products only accept pets aged six months or above. Owners who wait until their pets are older may find that their options are limited because the pet has exceeded the maximum entry age.
For these reasons, many owners purchase pet insurance while their pets are still healthy and young, reducing the risk that future health conditions or age restrictions will affect their coverage.
Conclusion: The Most Expensive Pet Insurance Is Not Necessarily the Best
Pets can be physically sensitive, and outpatient consultations, accidental injuries, surgery and treatment for chronic illnesses are not uncommon.
Pet healthcare in Hong Kong is mainly provided by private veterinary clinics, and consultation, examination and treatment costs may be higher than many owners expect.
Purchasing pet insurance is not necessarily about calculating whether the policy will “pay for itself”. More importantly, it can help reduce the financial pressure of unexpected medical expenses when a pet suddenly needs treatment.
However, coverage and policy terms differ considerably between products. Some products have lower premiums but higher co-insurance rates, while others provide more stable renewal arrangements.
When comparing pet insurance, owners should consider not only the premiums, but also the covered benefits, reimbursement limits and renewal terms. The most suitable plan should meet the needs of both the pet and its owner.
Owners should also understand the policy restrictions and exclusions before applying, to avoid unexpected differences when making a future claim.
Notes
The comparison uses the higher-tier plans offered under the products listed above.
Premium information was updated as of 22 May 2026 and does not include the levy charged by the Insurance Authority.
This article was last updated on 22 May 2026.
Last updated: 4 Aug 2026
Wendy L
Senior Content Specialist
10+ years in editing & copywriting. I love solving puzzles — now my goal is making insurance jargon simple. Let's decode policies and learn together.
Wendy L
Senior Content Specialist
10+ years in editing & copywriting. I love solving puzzles — now my goal is making insurance jargon simple. Let's decode policies and learn together.
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