Schedule of Benefits

Maximum Benefit Limit Per Period of Insurance (HK$)

Plan Level

Plan A

Plan B

Plan C

Member Price

Select

Maximum Benefit Limit Per Period of Insurance (HK$)

1.	Medical Coverage Annual Limit

$60,000

$40,000

$20,000

Waiting period (from the policy effective date) is applicable for any claim of medical expenses arising from following illness or injury:

Cancer or chronic renal disease: 90 days
Bodily injury: 7 days
Other conditions not included above: 30 days

Co-insurance per claim:

Pet's attained age from 0 - 8: 30%
Pet's attained age from 9 or above: 40%

where the above percentage of expenses will be borne by the policyholder.

a)	Clinical and Surgical Expenses

$60,000

$40,000

$20,000

Cover the insured pet for the following expenses incurred in a licensed vet clinic:

X-rays, ultrasound and laboratory tests
Surgical fee
Operating theatre fee
Anesthetists fee
Euthanasia fee
Prosthesis or wheelchair expenses
Miscellaneous expenses

b)	Room and Board

$6,000

$4,000

$2,000

Cost incurred in a licensed vet clinic for a confinement of no less than 12 consecutive hours

c)	Veterinary Consultation

$12,000

$8,000

$4,000

Consultation expenses and cost of any prescribed drugs, dressings and injections dispensed by a licensed vet clinic

d)	Chemotherapy Benefit

$15,000

$10,000

$5,000

Cost of chemotherapy treatment incurred in a licensed vet clinic as recommended by a vet

e)	Behavioural Treatment Expenses

$1,500

N/A

Maximum benefit limit per visit per day more_btn

$500

N/A

Cost of any reasonable and necessary expenses for prescribed drugs, or the cost of any reasonable and necessary training under training centres if the insured pet is diagnosed with mental or emotional disorder by a vet as a direct result of injury

2.	Third Party Liability

$1,000,000

Cover the legal liability to a third party caused by the insured pet for any one accident during any one period of insurance:
	a.	Accidental death, bodily injury or illness to a third party; and/or
	b.	Accidental loss of or damage to third party's property
Excess: the first HK$3,000 for each and every claim

	Top-up option for Third Party Liability
Add

$1,500,000

Cover the legal liability to a third party caused by the insured pet for any one accident during any one period of insurance:
	c.	Accidental death, bodily injury or illness to a third party; and/or
	d.	Accidental loss of or damage to third party's property
Excess: the first HK$3,000 for each and every claim and subject to additional premium of HK$100 for all ages

3.	Funeral Service Expenses

$3,000
Per Life

$1,000
Per Life

N/A

Cost for cremation, funeral service and/or handling charges from the vet or funeral service providers in respect of the handling of the remains of the insured pet

4.	Emergency Boarding

Reimbursement of pet sitting expenses incurred at pet sitting facility if the policyholder is hospitalised for more than 4 consecutive days

Maximum benefit limit per day

$600

$300

N/A

Maximum no. of days per period of insurance

5 Days

3 Days

N/A

Co-insurance per claim more_btn

50%

N/A

The percentage of expenses that must be borne by the policyholder

5.	Overseas Cover

✓

Extended coverage to the insured pet for Sections 1, 2 & 3 whilst the insured pet is (i) travelling or (ii) temporarily located outside Hong Kong with the policyholder or family up to a maximum of 90 days per trip from the date of departure including the quarantine period

No Claim Discount

Upon renewal, there will be a No Claim Discount on the premium if no claim has been made with respect to the insured pet during the respective no claim period as specified in the table below:

No Claim Period Immediately Preceding Renewal

1 Year

2 Consecutive Years

3 Consecutive Years or More

Premium Discount

10%

15%

Major Exclusions

1.	Pre-existing conditions

“Pre-existing Condition” shall mean any sickness, injury or physical condition in respect of the Insured Pet which has existed prior to the Policy Effective Date, which presented signs or symptoms of which the Policyholder has been aware or should have reasonably been aware.

2.	Involving commercial use

Any claims involving a pet used for commercial guarding, racing, search and rescue, customs and quarantine, laboratory testing or experiment, commercial breeding or any other commercial purposes.

3.	No microchip or not able to identify the pet

Any claims involving any Insured Pet that is not positively identifiable by means of (i) a microchip (applicable to dogs and cats) or (ii) vaccination record or other relevant medical report (only applicable to cats without microchip) prior to receiving treatment which results in a claim.

4.	Involved dangerous dog

Any claims involving any known dangerous dog, fighting dog, or large dog within the meaning of the Dangerous Dogs Regulation (Cap. 167D) of the laws of Hong Kong.

5.	Recurrence or continuation of illness prior to policy effective date

Any claims involving the recurrence or continuation of illness, disease or any condition from which the insured pet previously suffered before the policy effective date.

6.	Any treatment or services not provided by a vet

Any claims for treatment and services provided by any persons other than a vet.

7.	Any claims caused by negligence or intention act

Any claims for illness, injury or legal liability caused by any wilful, malicious, unlawful, reckless or deliberate act or gross negligence of the policyholder, the family, or any person residing with or in the service of the policyholder.

8.	Any claims caused by war or invasion

Any claims for illness or injury occasioned by war (whether declared or not); invasion; acts of foreign enemies; civil war; revolution; civil unrest; performing duties as a member of armed forces, or police, or a law enforcing agencies.

9.	Any claims caused by nuclear fission, nuclear fusion or radioactive contamination

Any claims for illness, injury or legal liability directly or indirectly caused by or contributed to by or arising from nuclear fission, nuclear fusion or radioactive contamination.

Notes:

1.		The above information is for reference only. Please refer to policy for the exact terms and conditions and the full list of policy exclusions.
2.		Should there be any discrepancy between the English and the Chinese versions of the above information, the English version shall apply and prevail.
3.		The above product(s) is/are offered for sale in Hong Kong only and is/are underwritten by Blue Cross (Asia-Pacific) Insurance Limited, an authorised insurer in Hong Kong.