e-Select Pet Insurance

Underwritten by Blue Cross (Asia-Pacific) Insurance Limited

 

We know you love your pets and treat them like your family members. But the question is: Can you afford to be a pet owner? When your pets have health issues, accidents, or simply get themselves into trouble requiring a visit to the vet, the bills can quickly escalate into a huge expense that are out of your expectation.

e-Select Pet Insurance (the “Plan”) is underwritten by Blue Cross (Asia-Pacific) Insurance Limited (“Blue Cross”) and is designed to ensure your pets are well protected in every stage of their lives and to help relieve your heavy burden from the costly vet bills. The Plan covers not only the clinical and surgical expenses, veterinary consultation and chemotherapy treatment, it also looks after the mental and emotional problems of your pets with coverage for behavioural treatment. Now you can enjoy a worry-free life while your beloved furry friends snuggling with you.

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
• Behavioural 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

 

¹  The policy renewal for insured pet above age 13 is subject to underwriting. Renewal is guaranteed up to age 13 of the insured pet (subject to the availability of the Plan at the time of renewal) and Blue Cross will neither charge extra premium nor impose additional exclusions on an individual policy based on the insured pet’s health status or claim history at the time of renewal. However, Blue Cross reserves the right to revise the terms and conditions of this policy and adjust the premium upon policy renewal due to, for example, age-related adjustment. If the Blue Cross decides to cease offering or suspend the Plan, Blue Cross will endeavour to transfer the insured pet to another available insurance plan. 

Please refer to the Product Leaflet for the details, benefits/ coverage, premium, major exclusions, important notes of the plan.

 

 

Major Exclusions

1. 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. Any claims involving 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.


Important Notes

1. 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. 1. Within 30 days after the occurrence of the event, customers can simply file their claims through the 24/7 Smart eClaims online platform at Blue Cross HK App or Blue Cross website with 3 simple steps (Input, Upload and Confirm). The online service greatly shortens the claim processing time so that the claim payment will be settled faster via autopay.
   2. For the claim of third party liability, the claim form with the original copy of the required documents must be delivered to Blue Cross by mail or in person immediately after the occurrence of the event.