Back to Top

 
       
     
     
       
  Benefit Items    
  Extra Protection    
  Annual Premium Table    
  Premium Discount    
  Major Exclusions    
  Claims Procedures    
     
  Cats and dogs have been long-time companions of humans. They are often our most reliable friends and best listeners, sharing our happiness and joy. To many, a beloved pet is just like an intimate partner or even part of the family. Therefore, it is natural that all owners wish to see their pets stay happy and healthy. But pets are always active and energetic, and sometimes explorative enough to get into accidents, not to mention falling ill, just like we do. And with the increasing veterinary costs today, providing pets with suitable medical treatments is certainly a heavy burden on many pet owners.

Blue Cross fully understands the needs of pet lovers. Its custom-made Pet Care Insurance offers comprehensive year-round protection, including coverage for veterinary costs, third-party liability, etc., which help ease pet owners' financial strain in the event of pet accidents or illnesses. The benefits offered by Plan I even cover annual checkups and preventive vaccinations, all of which will help your beloved pet live a longer and healthier life.
 
       
Benefit Items
 
     
 
  Benefit Items Maximum Limit (HK$)
Plan I Plan II Plan III
  1. Medical Coverage1
a) Veterinary Consultation Fee
Limit per visit
Max. no. of visits per year
220
20
130
12
220
15
b) Prescribed Medication
The cost of any prescribed drugs,
dressings and injections
Limit per visit
Max. no. of visits per year
220
20
130
12
220
15
c) Room and Board
Confinement cost incurred in vet clinic
for a period not less than 12 consecutive hours
Limit per day
Max. no. of days per year
200
12
120
6
Not
Applicable
d) Clinical and Surgical Expenses
 Surgical Fee
 Operating Theatre Fee
 Anaesthetists Fee
 Euthanasia Fee
 Miscellaneous Expenses
 X-ray and Laboratory Tests Fee -
   (Limit per year:
   Plan I: $3,000; Plan II: $1,600)
16,000
per year
9,000
per year
Not
Applicable
  2.  Third Party Liability2
       The compensation paid for the legal
       liability to third parties caused by your pet
600,000 600,000 300,000
  3.  Funeral Service
       The cost of cremation, funeral service
1,000
per life
Not
Applicable
Not
Applicable
  4.  Holiday Cancellation
       The non-recoverable prepaid holiday
       cancellation and curtailment costs if
       your pet requires emergency life-saving
       surgery
3,000
per year
Not
Applicable
Not
Applicable
  5.  Advertising Expenses
       The cost of advertisement if your pet is
       stolen or lost
250
per year
Not
Applicable
Not
Applicable
  6.  Overseas Cover
       Extended coverage to your pet for Items
       1, 2 & 3 whilst travelling or temporarily
       located outside Hong Kong up to a
       maximum of 90 days

per trip
Not
Applicable
Not
Applicable
 
    1  A 30-day waiting period from the policy effective date is applied to claim for medical expenses resulting from illness.
  2  Excess: The first HK$3,000 of each and every claim.
 
     
  Back to Top    
       
Extra Protection
   
     
 
Free Preventive Care Services (Applicable to Plan I only)
Preventive care services once a year in the designated clinic network, including:
 Physical Examination
 Dietary and Preventive Advice
 Vaccination of Mixed Vaccine
 
     
  Back to Top    
       
Annual Premium Table (HK$)3
   
     
 
  Age of the Pet Plan I Plan II Plan III
  6 months to 8 years old (last birthday) 2,810 1,900 1,120
  Over 8 years old (for renewal only) 3,510 2,380 1,400
 
   
   
    3 The minimum premium charge for policy cancellation is HK$500 per pet.  
     
 
  Additional Premium (including mixed-breed of these dog breeds)
10% premium loading is imposed on the following dog breeds :
American Cocker Spaniel Chinese Shar-Pei Greyhound Pharaoh Hound
American Staffordshire Terrier Chow Chow Irish Wolfhound Rottweiler
Basenji Clumber Spaniel Leonberger Saint Bernard
Basset Hound Dalmatian Mastiff Staffordshire Bull Terrier
Bernese Mountain Dog Deerhound Mountain Terrier Wheaton Terrier
Boxer Doberman Pinscher Newfoundland
Bulldog German Shepherd Old English Sheepdog
Bullmastiff Great Dane Otterhound
     
 
  Excluded Dangerous Dogs (including mixed-breed of these dog breeds)
The following dangerous dogs are excluded from the Plan:
Antarctic Husky Bull Terrier Dogo Argentino Fila Brazilier
Japanese Tosa Pit Bull Terrier Tibetan Mastiff
  The dog breeds mentioned above are for reference only. Blue Cross reserves the right for the final decision of dog breeds eligible for insurance.  
     
  Back to Top    
       
Premium Discount
   
 
The following discount will be applied according to the number of dogs or cats being insured at the same time:
 
  Number of Pets (Dogs or Cats) 2 Pets 3 Pets 4 Pets 5 Pets or More
  Premium Discount % 15% 20% 25% 30%
    Note:  Blue Cross reserves the right to adjust the premium rate and the subsequent renewal premium.    
  Back to Top    
       
Major Exclusions
   
     
 
1.
Any pre-existing conditions.
2.
The cost of routine and preventive treatments, spaying, castration, routine removal of dew claws, killing and controlling fleas, treating round worms & tapeworms, grooming and nail clipping or any complications arising from these treatments.
3.
The cost of any treatment related to pregnancy, giving birth, breeding, organ transplantation, congenital illness, elective procedures and cosmetic surgeries of your pet.
4.
The cost of diet foods, special diet, pet foods, vitamins, mineral supplements, housing, bedding and bathing need for the treatment or general well-being of your pet.
 
   
   
     
  Back to Top    
       
Claims Procedures
   
     
  All claims must be reported to Claims Department of Blue Cross (Asia-Pacific) Insurance Limited within 30 days after the incident. For the claim of "Third Party Liability" under the Policy, please immediately complete the Pet Care Insurance Claim Form and return to 29/F, BEA Tower, Millennium City 5, 418 Kwun Tong Road, Kwun Tong, Kowloon, Hong Kong.

To download Claims Procedure here
To download Claim Form here
 
   
   
     
  Back to Top    
       
           
       
  For more information and related documents, please download here.   Talk to us directly:
  Product Leaflet Terms & Conditions Application Forms   3608 2988 or email us
 
  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. For more information or a copy of the policy terms and conditions, please click here or contact our Customer Service Department on 3608 2988/ by email cs@bluecross.com.hk for enquiry.
2. Should there be any discrepancy between the English and the Chinese versions of the above information, the English version shall apply and prevail.
 
     
  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.