Schedule of Benefits

Maximum Benefit Limit (HK$)

Plan Level

Basic Plan

Sharing Plan

Member Price Non Member Price Special Price

（% Off）

Pet 1
Pet 2
Pet 3

Select

（% Off）

Selected

Maximum Benefit Limit (HK$)

1.	Veterinary Consultation

$3,000

$4,500
(Shared by all insured pets)

Sharing Plan is only eligible for a policyholder with 2 or 3 pets to enrol
Covers the following expenses incurred in a licensed vet clinic for illness or injury for annual limit per policy

✓	Vet consultation
✓	Prescribed drugs
✓	Dressings
✓	Injections
✓	X-rays, ultrasound and laboratory tests

A 30-day waiting period from the policy effective date is applied to claim for medical expense resulting from illness

Sharing Plan is only eligible for a policyholder with 2 or 3 pets to enrol
Covers the following expenses incurred in a licensed vet clinic for illness or injury for annual limit per policy

✓	Vet consultation
✓	Prescribed drugs
✓	Dressings
✓	Injections
✓	X-rays, ultrasound and laboratory tests

A 30-day waiting period from the policy effective date is applied to claim for medical expense resulting from illness

Number of visit per day
(per insured pet)

Maximum benefit limit per visit
(per insured pet)

$500

Co-insurance per claim meMore_Btn

20%

This is the percentage of expenses that must be borne by policyholder

2.	Third Party Liability

$300,000

$300,000
(Shared by all insured pets)

Covers the legal liability to a third party caused by the insured pet for any one accident /any one period of insurance:

✓	accidental death, bodily injury or illness to a third party; and/or
✓	accidental loss of or damage to third party’s property

Excess is the first $3,000 for each and every claim

Covers the legal liability to a third party caused by the insured pet for any one accident /any one period of insurance:

✓	accidental death, bodily injury or illness to a third party; and/or
✓	accidental loss of or damage to third party’s property

Excess is the first $3,000 for each and every claim

Major Exclusions

1.	Pre-existing conditions

Applicable to Veterinary Consultation. “Pre-existing Condition” shall mean any sickness, injury or physical condition which has existed prior to the Policy Effective Date in respect of the Insured Pet, which presented signs or symptoms of which the Policyholder has been aware or should have reasonably been aware.

2.	Involving commercial or other use

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.	Unidentifiable pet

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.	Involving dangerous dog

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.	Recurrence or continuation of illness prior to policy effective date

The recurrence or continuation of illness, disease or any condition from which the insured pet previously suffered arising prior to the policy effective date or the effective date of the benefit coverage of such insured pet as specified in the subsequent endorsement to this policy (as the case may be).

6.	Any treatment or services not provided by a vet

Any claims for treatment and services provided by any persons other than a vet.

7.	Any claims caused by negligence or intention act

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 caused by war or invasion

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 caused by nuclear fission, nuclear fusion or radioactive contamination

Any claims for illness, injury or legal liability directly or indirectly caused by or contributed to by or arising from nuclear fission, nuclear fusion or radioactive contamination.

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.
2.		Should there be any discrepancy between the English and the Chinese versions of the above information, the English version shall apply and prevail.
3.		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.

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