	How to let your pets get covered in one sharing plan? Click video for more details! (April 2021)
How to let your pets get covered in one sharing plan?Click video for more details!

(April 2021)

Pet health is of utmost concern for every pet owner. Our furry friends cannot talk in human language thereby we pay additional attention to their every whim and change in behaviour as we want to make sure that they are happy and healthy. However a survey* revealed that 95% of pet owners have not purchased pet insurance, mainly due to their lack of knowledge of this type of insurance and financial concern. While veterinary consultation and medication are usually required even for minor illnesses and injuries, nearly 30% of respondents consider outpatient coverage as the most important benefit item.
Blue Cross understands pet owner’s needs. Our LovePet Outpatient Insurance is affordable and meets the most pressing needs of pet owners like you, ensuring you have peace of mind.

	Exclusive Coverage for Vet Consultation and Third Party Liability Market first pet insurance plan with the coverage exclusively for vet consultation and third party liability
	Sharing Plan cover maximum 3 pets The flexible and cost-saving Sharing plan covers up to 3 insured pets in one single policy. The benefit amount can be shared among the insured pets without the need of buying separate plans for each pet
	Unlimited vet visits Unlimited number of vet visits per period of insurance
	Enrolment age from 13 weeks to age 12. Microchip waived for cats’ enrolment Exceptionally broad enrolment age from as young as 13 weeks to as old as age 12, and renew up to age 15
	30-day Short Waiting time Short waiting time to get covered: 30-day waiting period for all diseases and conditions

How LovePet Outpatient plan can help pet owners to relieve financial burden

Scenario 1 - Practical Needs for Outpatient Treatment Answered

May’s dog Junior visited a vet 2 times in the period of insurance to treat its ear infection. Most of the fee was covered by LovePet Outpatient Insurance so that May only needed to pay minimal out-of-pocket expenses.


Junior		1^st Visit		Follow-up Visit

	Veterinary Consultation Fee (HK$)
	1st Visit	Follow-up Visit
Ear infection treatment and medication	$800	$400
Amount borne by LovePet Outpatient Insurance	$500	$320
Amount borne by LovePet Outpatient Insurance	May saved a total of HK$820!
Amount Borne by May	$300 (20% co-insurance + out-of-pocket expenses after deducting the maximum benefit limit)	$80 (20% co-insurance)

Scenario 2 - Broad Enrolment Age for Older Pets and Flexibility of a Sharing Plan

Sam recently adopted a young cat a young dog and an old dog. To mitigate the impact of unexpected medical costs, Sam enroled in the Sharing Plan of LovePet Outpatient Insurance so that they could be covered under one single policy for a sufficient shared outpatient coverage.


Lucky		Dolly		Chubby

Enrolment Age
1	2	12
Number of Veterinary Consultation During the Period of Insurance
2 (Diagnosis: skin allergy)	1 (Diagnosis: vomiting)	6 (Diagnosis: skina allergy, vomiting and ear infection)
Amount Borne by LovePet Outpatient Insurance (After 20% Co-insurance)
$1,000	$500	$3,000
Sam saved a total of HK$4,500! (=100% of maximum benefit limit under Sharing Plan)

Given its old age, Chubby had more visits than Lucky and Dolly due to its declining health. Sam could flexibly make use of the shared benefit amount under his LovePet Outpatient insurance policy so that Chubby could enjoy bigger benefit to meet its medical needs.

Online pet insurance survey conducted by Blue Cross (Asia-Pacific) Insurance Limited in June – July 2020.

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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