What is Pet Insurance For?
Just like humans, pets also need health coverage. Whether it’s an unexpected illness, injury, or routine procedure, vet bills can add up fast.
Pet Insurance helps cover:
- Outpatient consultations and medical expenses
- Lab tests and surgical costs
- Third-party liability (e.g., if your dog injures someone or goes missing)
Kwiksure’s experts are here to guide you through the options and help you find the plan that fits your pet’s needs–and your peace of mind.
How Much Does Pet Insurance Cost?
The premium for pet insurance depends on the pet's breed, age at the time of insurance, medical history, and physical condition, as well as the coverage provided by the selected plan.
Most pet insurance policies on the market are primarily for pets aged 6 months to 8 years (at the time coverage begins), with a minimum age limit ranging from 8 weeks to 6 months. While some insurance plans do not impose age limits, most set an upper limit at 11 to 13 years when coverage begins. Generally, as pets age, the insurance premiums also gradually rise, with extra charges for older cats and dogs aged 9 years or above. Monthly premiums for basic plans for puppies and kittens (under 6 months) range from HKD $253 to $312, while the monthly premiums for older pets (9 years or above) range from HKD $455 to $561.
Things to Consider When Buying Pet Insurance
Choosing the right pet insurance plan can make a big difference in your pet’s health and your peace of mind. Here are key factors to keep in mind before you commit:
1. Coverage Limits & Exclusions
- Look beyond the total coverage amount–check for item-specific limits and excluded conditions
- Some plans include coinsurance, meaning you’ll pay a percentage of costs based on your pet’s age when coverage starts.
- Always read the fine print to understand what’s covered and what’s not.
2. Renewal Age Restrictions
- Most insurers allow renewals up to age 13.
- Pets older than 13 may require underwriting approval, which may involve additional costs or more stringent conditions.
- Consider your pet’s age at enrollment and how long you plan to keep the coverage.
3. No-Claims Discount
- If you don’t make any claims for a set period, you may qualify for a renewal discount.
- These discounts reward responsible pet owners and can help lower your premiums.
Example of renewal discounts:
Note: Not all plans offer renewal discounts—check your policy details
Premium Examples
Coverage Comparison for Pet Owners in Hong Kong
Choosing the right pet insurance means understanding what’s covered. Here’s a breakdown of common coverage types to help you compare plans and find the best fit for your furry companion:
Vet & Treatment Care
- General & specialist vet consultations
- Prescription medications
- Hospitalization & surgery
- Diagnostic tests, anesthesia, and operating room fees
- Euthanasia, prosthetics, wheelchairs
- Some plans also cover chemotherapy & behavioral therapy
Liability Protection
- Injures someone or damages property
- Excludes working dogs (e.g., stunt, competition, or drug detection) and aggressive breeds
End-of-Life Costs
- Cremation or burial
- Administrative fees from vets or service providers
Emergency Boarding
- Pet boarding fees after a set number of days
Overseas Coverage
- Coverage for up to 90 days abroad
- Includes quarantine-related expenses
Trip Cancellation
- Non-refundable trip costs may be reimbursed
- Coverage applies if the trip is canceled or shortened
Lost Pet Ads
- Covers the cost of placing search ads to help locate your pet
Related article: Is Your Pet Covered by Your Car Insurance?
(b) Vaccination record card/medical report showing the cat's name from the past 12 months
*The following dog breeds are excluded: Alaskan Malamute, Bull Terrier, Dogo Argentino, Brazilian Fila, Shikoku, Pit Bull, and Tibetan Mastiff.
▲ On the effective date of the policy.
Frequently Asked Questions
Get the Coverage You Need
Whether it’s life, motor, travel, or specialty insurance, Kwiksure makes it easy to find the right protection
By subscribing to the newsletter, you accept and agree to Kuaibo's Terms of Service, Privacy Policy and Personal Information Collection Statement.
By subscribing to the newsletter, you accept and agree to Kuaibo's Terms of Service, Privacy Policy and Personal Information Collection Statement.