e-Select Pet Insurance

Plan Highlights

• Guaranteed renewal up to age 13 of the pet¹
• Microchip waived for cats’ enrolment
• Medical coverage up to HK$60,000
• No visit limit for veterinary consultation and no daily limit for room and board
• Chemotherapy Benefit covers the cost of chemotherapy treatment incurred in a licensed vet clinic as recommended by a vet
• Behavioral Treatment Expenses covers the cost of prescribed drugs or training due to mental or emotional disorder arising from injury
• Top-up option for third party liability, an upper level of HK$1,500,000
• Overseas coverage for medical expenses, third party liability, and funeral service expenses while the insured pet is travelling or temporarily located outside Hong Kong
• If no claim has been made, you can enjoy up to 15% no claim discount on the renewal premium

Plan Information

Schedule of Benefits

Premium Tables

Annual Premium (HK$)

Annual Premium Loading

Top-up Option for Third Party Liability (HK$)

No Claim Discount⁷

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.

Major Exclusions

1. Pre-existing conditions (applicable to Section 1 Medical Coverage of Benefits Provisions under the terms and conditions of the policy).
2. 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. 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. 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. The recurrence or continuation of illness, disease or any condition from which the insured pet previously suffered arising prior to the policy effective date.
6. Any claims for treatment and services provided by any persons other than a vet.
7. 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 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 for illness, injury or legal liability directly or indirectly caused by or contributed to or arising from nuclear fission, nuclear fusion or radioactive contamination.

Please refer to policy provision for the full list of exclusions.

Sanctions Limitation and Exclusion Clause

Blue Cross shall not be deemed to provide cover (including not to pay any claim or provide any benefit), when the provision of such cover would expose Blue Cross to any, or any risk of, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom, United States of America or any jurisdiction applicable to Blue Cross.

Important Notes

1. The policy may be cancelled at any time by the policyholder by giving no less than 7 days’ prior written notice to Blue Cross. Provided that no claim has been made under the policy, the policyholder shall be entitled to a partial refund of premium equivalent to the actual premium paid for that period of insurance less the premium to be charged according to the short period rates stated in the policy for the period of insurance has been in force and subject to a minimum premium charge of HK$500 per policy.
2. Blue Cross reserves the right to adjust the premium table applicable from time to time.

Claims Procedure

1. Claim form should be completed and submitted to Blue Cross within 30 days after the occurrence of any event. It can be obtained from Blue Cross or downloaded here.
2. Claim form should be completed and submitted to Blue Cross immediately if the claim is related to third party liability.
3. Valid and complete supporting documentation must be submitted together with the claim form. Please refer to the terms and conditions stated under the claims provisions in the policy provision for details.