Pet Insurance


My PetGuard offers a comprehensive cover for your beloved pets. Coverages include Vet Fees, Death Benefits and Boarding Fees, as well as your legal liability as a pet owner and so on. Detailed coverages as follows:

Coverage / Plans Plan I
Limit/HK$		 Plan II
Limit/HK$
Veterinary Fee - Hospitalisation and Surgical Expense
Surgical expenses, room and board charges, anesthetists fee, euthanasia and miscellaneous expenses for medical services and supplies charged by veterinary surgeon		 44,000
(in aggregate)
8,8003
(per incident) 		55,000
(in aggregate)
11,0001
(per incident)
Laboratory Expense
The cost you paid for laboratory tests rendered by veterinary surgeon		 3,0003 3,7501
Veterinary Fee - Out-Patient Expense
Out-patient expense includes consultation and medication fees
Maximum number of Consultation		 6003
(per visit)
20 		7501
(per visit)
20
Overseas Extension for Veterniary Fees4
Extend cover when your pet is travelling or temporarily located outside Hong Kong for up to 21 days from the day of departure		 8,8002
(per incident) 		11,0001
(per incident)
Advertising / Reward
Cost of advertisement or reward if your pet is stolen or lost		 2,5002 2,5001
Boarding Fees
Licensed kennel or cattery fees in case you are hospitalised for more than 4 days		 2,5002 5,0001
Third Party Liability
Your legal liability if your pet kills or injures someone, or damages someone's property		 1,000,0005 1,000,0005
Death from injury
The price you paid for your pet if (s)he dies as a result of an accident		 - 10,0002
Lost / Stolen Pet
The cost you paid for your pet if (s)he is lost for more than 45 days		 - 10,0002
Travel Protection
If your pet requires emergency treatment, being lost or stolen whilst travelling with you, we cover the additional accommodation expenses (up to 4 days) and transportation cost incurred.		 - 5,0002
Quarantine Coverage
Additional kenneling expenses due to your pet being in quarantine overseas and transportation expenses incurred by you and your pet due to any illness that prevents your pet from returning to Hong Kong.		 - 2,5002
Holiday Cancellation
The expenses incurred in cancellation or abandonment of your trip due to your pet
- being lost in Hong Kong
- requires life saving treatment
- dies abroad		 - 5,0002

Remarks:
1 Excess Applicable: 5% for each and every claim
2 Excess Applicable: 10% for each and every claim
3 Excess Applicable: 15% for each and every claim
4 Subject to the maximum limit under Veterinary Fees
5 Excess Applicable: $2,000 for each and every claim 		     In Aggregate - The total reimbursement limit for all incidents
Per Incident - The total reimbursement limit for all procedures & treatment of any one incident

Policy Conditions:

  1. Age Limit
    • Dogs: up to 9 years of age (renewable up to 15 years of age)
    • Cats: up to 12 years of age (renewable up to 15 years of age)
  2. All insured pets must be embedded with a microchip for identification. For cats not embedded with microchips during application, please provide relevant documents with the microchip number within 14 days of policy inception. We shall reimburse your cost of embedment up to HK$200.
  3. All insured pets must be regularly vaccinated with mixed vaccine. Vaccination for dogs against rabies, canine distemper, hepatitis, parvovirus, parainfluenza and leptospirosis or cats against feline rhinotrachietis, calicivirus (cat flu) and panleucopenia.
  4. Waiting period: Veterinary Fees and Death coverages - 28 days
                             Advertising or Reward coverage - 14 days
  5. Cooling-off period: Should you find our policy unsuitable for any reason, you can return the policy to us within 14 days for cancellation. We will then refund to you the premium that was charged. Otherwise, a minimum annual premium of HK$800 will be applied.
  6. Out-patient Expense benefit is provided up to 1 visit per day.

Major Exclusions:

  1. Racing Greyhounds, Racing Whippets or breeds of dog which are registered under the Dangerous Dogs Regulation 2000, including but not limited to Pit Bull Terrier, Dogo Argentino, Fila Braziliero, Japanese Tosa as well as crosses involving these breeds or Wolf Hybrids
  2. Any pre-existing conditions, routine physical examinations / X-Ray / laboratory tests, dental treatment (unless as a result of injury), vaccinations, worming, killing or controlling fleas, spaying, castration, grooming and dematting, pregnancy, mental or emotional disorder (except third party liability cover), any cost of food including food prescribed by a vet, transplant surgery, any claims arising when the pet is less than 8 weeks old and pets being used in connection with any trade and business

Your Trustworthy Insurance Partner

With an almost 300 year heritage, RSA is one of the world's leading multinational quoted insurance groups. It has the capability to write business in over 130 countries and with major operations in the UK, Scandinavia, Canada, Ireland, Asia and the Middle East and Latin America.

A wholly-owned subsidiary of the RSA Group and traded in the name of Royal & Sun Alliance Insurance plc, we have run insurance business in Hong Kong for more than 30 years. We offer a comprehensive range of customised and packaged commercial and personal insurance products and services. Apart from enjoying the security provided by one of the world's leading insurers, you can trust our efficient and fair claims service and quality customer care.

At RSA, we are committed to providing our customers with convenient, appropriate and secure insurance solutions and consistently fulfilling what we promise. We are "The professional insurer you can always rely on".

For enquiries, please contact your agent / broker or us:
Royal & Sun Alliance Insurance plc
32/F, Dorset House, Taikoo Place, 979 King's Road,
Quarry Bay, Hong Kong
Tel: 2968 1636 Fax: 2917 6266
E-mail: hk_personal_insurance@hk.rsagroup.com