Compare Pet Insurance in Hong Kong
Pawfect HK compares 19 Hong Kong pet insurance plans side by side — annual claim caps, deductibles, co-payment rates, lifetime renewal status, and dental, hereditary, wellness and alternative-therapy coverage.
The comparison is independent and insurer-agnostic. Pawfect HK does not sell insurance and earns no commission.
Compare Pet Insurance in Hong Kong
- Blue Cross Pet Love Plan A — Blue Cross — annual cap HK$60,000 · 30% co-pay · HK$3,000 deductible · no lifetime renewal
- Blue Cross Pet Love Plan B — Blue Cross — annual cap HK$40,000 · 30% co-pay · HK$3,000 deductible · no lifetime renewal
- Blue Cross Pet Love Plan C — Blue Cross — annual cap HK$20,000 · 30% co-pay · HK$3,000 deductible · no lifetime renewal
- Blue Cross Smart Pet+ Plan A — Blue Cross — annual cap HK$80,000 · 30% co-pay · HK$3,000 deductible · no lifetime renewal
- Blue Cross Smart Pet+ Plan B — Blue Cross — annual cap HK$50,000 · 30% co-pay · HK$3,000 deductible · no lifetime renewal
- Blue Cross Smart Pet+ Plan C — Blue Cross — annual cap HK$30,000 · 30% co-pay · HK$3,000 deductible · no lifetime renewal
- Bolttech Pet Care — Plan 2 — Bolttech — annual cap HK$43,000 · 20% co-pay · HK$3,000 deductible · no lifetime renewal
- Bolttech Pet Care — Plan 3 — Bolttech — annual cap HK$60,000 · 20% co-pay · HK$3,000 deductible · no lifetime renewal
- China Taiping Pet Plan — Plan 2 — China Taiping — annual cap HK$36,500 · 0% co-pay · HK$3,000 deductible · no lifetime renewal
- China Taiping Pet Plan — Plan 3 — China Taiping — annual cap HK$66,000 · 0% co-pay · HK$3,000 deductible · no lifetime renewal
- MSIG Happy Tails — Premier — MSIG — annual cap HK$41,250 · 20% co-pay · HK$0 deductible · lifetime renewal
- MSIG Happy Tails — Standard — MSIG — annual cap HK$19,250 · 20% co-pay · HK$0 deductible · lifetime renewal
- MSIG Happy Tails — Ultimate — MSIG — annual cap HK$68,750 · 20% co-pay · HK$0 deductible · lifetime renewal
- OneDegree Pet CEO — Essential — OneDegree — annual cap HK$30,000 · 10% co-pay · HK$0 deductible · lifetime renewal
- OneDegree Pet CEO — Plus — OneDegree — annual cap HK$40,000 · 10% co-pay · HK$0 deductible · lifetime renewal
- OneDegree Pet CEO — Prestige — OneDegree — annual cap HK$100,000 · 10% co-pay · HK$0 deductible · lifetime renewal
- OneDegree Pet CEO — Ultra — OneDegree — annual cap HK$100,000 · 10% co-pay · HK$0 deductible · lifetime renewal
- Prudential PRUChoice Furkid Care — Plan A — Prudential — annual cap HK$35,000 · 30% co-pay · HK$3,000 deductible · lifetime renewal
- Prudential PRUChoice Furkid Care — Plan B — Prudential — annual cap HK$90,000 · 30% co-pay · HK$3,000 deductible · lifetime renewal
Frequently asked questions
- Does Hong Kong pet insurance cover pre-existing conditions?
- Most Hong Kong pet insurance plans exclude pre-existing conditions. Always check the policy wording before enrolling.
- What is lifetime renewal in pet insurance?
- Lifetime (guaranteed) renewal means the insurer cannot decline to renew your policy because your pet developed a condition. Plans without it may drop cover for ongoing conditions at renewal.
- How many pet insurance plans does Pawfect HK compare?
- 19 plans available in Hong Kong (as of 2026), compared on annual caps, deductibles, co-payment, lifetime renewal, dental and wellness coverage.
Disclaimer: This comparison is for general information only and is not financial or insurance advice. Always read the full policy wording before enrolling.
Note: Pawfect HK is an information and tracking tool, not a substitute for professional veterinary advice. Always consult a licensed vet for medical decisions.
Pawfect HK (毛甩漏) is made by Kinoko Studio, Hong Kong. Contact: hello@pawfect.hk. Data for licensed vets and pet hotels comes from the Hong Kong AFCD official register.
香港寵物保險比較
Pawfect HK 並列比較香港 19 個寵物保險計劃 —— 包括每年索償上限、自付額、共同保險比例、終身續保資格，以及牙科、遺傳性疾病、健康護理及另類療法的保障。
本比較獨立，並不偏袒任何保險公司。Pawfect HK 不銷售保險，亦不收取佣金。
常見問題
- 香港的寵物保險保障投保前已存在的疾病嗎？
- 大部分香港寵物保險計劃不保障投保前已存在的疾病。投保前請務必詳閱保單條款。
- 甚麼是寵物保險的終身續保？
- 終身（保證）續保指保險公司不會因寵物日後患病而拒絕續保。沒有此項保障的計劃，可能在續保時取消對長期病患的保障。
- Pawfect HK 比較多少個寵物保險計劃？
- 現時（截至 2026 年）比較香港 19 個計劃，涵蓋每年上限、自付額、共同保險、終身續保、牙科及健康護理保障。
免責聲明：本比較僅供一般資訊參考，並非財務或保險意見。投保前請詳閱完整保單條款。
Pawfect HK（毛甩漏）由香港 Kinoko Studio 製作。聯絡：hello@pawfect.hk。本平台僅供一般資訊參考，並非專業獸醫意見；任何醫療決定請諮詢香港持牌獸醫。
