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Happy Tails®
Pet Insurance

Happy Tails®
Pet Insurance

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Happy Tails® \nPet Insurance
  • Product Features
  • Benefits Table
  • Premium
  • Important Notes
  • Major Exclusions
  1. Happy Tails® offers all these benefits:
    • Cover major medical expenses that can arise when your pet needs surgical treatment including blood transfusion or chemotherapy
    • Lifetime protection
    • Coverage for specified hereditary and congenital conditions* below:
      • Elbow Dysplasia
      • LuxatingPatella
      • Glaucoma
      • Cherry Eye
      • Intervertebral Disk Disease (IVDD)
      • Hip Dysplasia (This optional benefit under the dog plan is available for an additional premium)
  2. Covers up to 80% of medical and surgical expenses arising from sickness and accidents
  3. High annual limit of up to HK$68,750 for dogs
  4. Covers post-surgery treatment e.g. acupuncture
  5. No Claim Discount up to 15%

* Hereditary and congenital condition benefits are subject to a 12 month waiting period, and your pet must be less than 6 years old with no pre-existing conditions at the time of enrolment.

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any inconsistency between the English and Chinese versions of any of the above details, the English version shall prevail.

CoverageMaximum Benefits Payable Per Year (HK$)
 Dog PlanCat Plan
 Standard PlanPremier PlanUltimate Plan
Maximum Benefits Payable Per Year for Section 1 to 3 (HK$)$19,250$41,250$68,750$27,500
1. Surgical Benefit
Clinical & Surgical Benefit:
Pays for Medically Necessary Surgery which includes diagnostic tests, Veterinarian's fee, operating theatre fee, drugs, dressings and miscellaneous expenses related to a Surgrey.
$13,750$33,000$55,000$20,900
Room and Board Expenses:
Cost of boarding at a licensed veterinarian clinic or hospital following a Surgrey.
$1,375$3,300$5,500$2,090
Post Surgical Treatment Benefit:
Follow-up consultations, diagnostic and laboratory services, examinations including acupuncture up to 90 days following Surgery.
$825$1,650$2,750$1,100
The total aggregate limit of all benefits combined shall not exceed the maximum limit of Clinical and Surgical Benefit.
2.Chemotherapy Benefit
Cost of chemotherapy treatment incurred in a licensed veterinary clinic or hospital.$5,500$8,250$13,750$6,600
3. Final Expenses Benefit
Cost and expenses incurred for euthanasia, cremation, funeral service and handling charges following death of the Pet.N.A.$1,375$1,375$1,375
4. Third Party Legal Liability
Legal liability due to accidential bodily injury and/or loss or damage to property of third parties caused by Your Pet.$550,000$1,375,000$2,750,000$1,375,000
 
Co-insurance
The portion of claim amount you need to pay.20% - Pet enrolled before Age 4
30% - Pet enrolled before Age 7
40% - Pet enrolled before Age 9
 
No Claim Discount (NCD)
A discount will be granted on the renewal premium if no claim has been made under the policy in the preceding year.
Period of InsuranceInception year1st Renewal2nd Renewal3th & Subsequent Renewals
Discount Eligibility0%5%10%15%
In the event of a claim made, the No Claim Discount will be reduced to zero at the following renewal. If there are more than 1 pet insured, the NCD shall be applied on each pet separately.
 
Waiting Period
Illness90 days
Specified hereditary and congenital conditions12 months

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any inconsistency between the English and Chinese versions of any of the above details, the English version shall prevail.

Protecting your furry friends has never been earlier. Please click here (instant quote) to get your Happy Tails quote today!

Important Note: Collection of Levy on Insurance Premium 

The Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this webpage are subject to levy.

  1. The following dog breeds are not covered in the policy: Tibetan Mastiff, Bull Terrier, Pit Bull Terrier, Japanese Tosa, Dogo Argentino, Fila Braziliero or their cross breed.
  2. It is mandatory that the pet undergoes a clinical examination for enrolment within 30 days of the commencement date of the insurance. The report must be produced when you are making a claim for the first time. Please download the clinical examination form at happytails.hk.aon.com 
  3. If your pet is not spayed or neutered, there is no coverage for illnesses related to prostate problems, hormonal skin conditions, perianal hernias, testicular tumors, perianal tumours, mammary tumours, uterine and ovarian conditions. 
  4. Cover is subject to the following conditions:
    • Your pet is aged between 16 weeks and below 9 years old at the commencement of this insurance. 
    • Your pet must be micro-chipped. 
    • Your pet is not a working pet, eg. Not for the purpose of racing, breeding, law enforcement, guarding or for other commercial use. 
    • Your pet has completed all required vaccinations. 
  5. The dog insured is required to be licensed by Hong Kong Agriculture, Fishers and Conservation Department. 

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.

Important Note: Collection of Levy on Insurance Premium 

The Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this webpage are subject to levy.

  1. Illness that occurs or recurs within the first ninety (90) days following the Policy Commencement Date. 
  2. Illness related to specified hereditary and congenital conditions that occurs or recurs within the first twelve (12) months following the Commencement Date.
  3. Any illness or injury that occurred prior to the Commencement Date. 
  4. Spaying and Neutering. 
  5. Preventive Healthcare. 
  6. Parasite Control. 
  7. Dental Health Care (Unless due to accidential injuiries). 
  8. Anal Gland Expression. 
  9. Special diets, pet foods, vitamins, supplements, grooming, nail trims, shampoo and bathing (including medicated baths). 
  10. Purchase and rental of prosthesis, corrective devices and medical appliances. 
  11. Injuiry or illness to any intentional, neglectful or preventable act, by You or a member of Your household. 
  12. Any loss and/or damage arising from war and terrorism.

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any inconsistency between the English and Chinese versions of any of the above details, the English version shall prevail.

Happy Tails® \nPet Insurance
  • Product Features
  • Benefits Table
  • Premium
  • Important Notes
  • Major Exclusions
  1. Happy Tails® offers all these benefits:
    • Cover major medical expenses that can arise when your pet needs surgical treatment including blood transfusion or chemotherapy
    • Lifetime protection
    • Coverage for specified hereditary and congenital conditions* below:
      • Elbow Dysplasia
      • LuxatingPatella
      • Glaucoma
      • Cherry Eye
      • Intervertebral Disk Disease (IVDD)
      • Hip Dysplasia (This optional benefit under the dog plan is available for an additional premium)
  2. Covers up to 80% of medical and surgical expenses arising from sickness and accidents
  3. High annual limit of up to HK$68,750 for dogs
  4. Covers post-surgery treatment e.g. acupuncture
  5. No Claim Discount up to 15%

* Hereditary and congenital condition benefits are subject to a 12 month waiting period, and your pet must be less than 6 years old with no pre-existing conditions at the time of enrolment.

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any inconsistency between the English and Chinese versions of any of the above details, the English version shall prevail.

CoverageMaximum Benefits Payable Per Year (HK$)
 Dog PlanCat Plan
 Standard PlanPremier PlanUltimate Plan
Maximum Benefits Payable Per Year for Section 1 to 3 (HK$)$19,250$41,250$68,750$27,500
1. Surgical Benefit
Clinical & Surgical Benefit:
Pays for Medically Necessary Surgery which includes diagnostic tests, Veterinarian's fee, operating theatre fee, drugs, dressings and miscellaneous expenses related to a Surgrey.
$13,750$33,000$55,000$20,900
Room and Board Expenses:
Cost of boarding at a licensed veterinarian clinic or hospital following a Surgrey.
$1,375$3,300$5,500$2,090
Post Surgical Treatment Benefit:
Follow-up consultations, diagnostic and laboratory services, examinations including acupuncture up to 90 days following Surgery.
$825$1,650$2,750$1,100
The total aggregate limit of all benefits combined shall not exceed the maximum limit of Clinical and Surgical Benefit.
2.Chemotherapy Benefit
Cost of chemotherapy treatment incurred in a licensed veterinary clinic or hospital.$5,500$8,250$13,750$6,600
3. Final Expenses Benefit
Cost and expenses incurred for euthanasia, cremation, funeral service and handling charges following death of the Pet.N.A.$1,375$1,375$1,375
4. Third Party Legal Liability
Legal liability due to accidential bodily injury and/or loss or damage to property of third parties caused by Your Pet.$550,000$1,375,000$2,750,000$1,375,000
 
Co-insurance
The portion of claim amount you need to pay.20% - Pet enrolled before Age 4
30% - Pet enrolled before Age 7
40% - Pet enrolled before Age 9
 
No Claim Discount (NCD)
A discount will be granted on the renewal premium if no claim has been made under the policy in the preceding year.
Period of InsuranceInception year1st Renewal2nd Renewal3th & Subsequent Renewals
Discount Eligibility0%5%10%15%
In the event of a claim made, the No Claim Discount will be reduced to zero at the following renewal. If there are more than 1 pet insured, the NCD shall be applied on each pet separately.
 
Waiting Period
Illness90 days
Specified hereditary and congenital conditions12 months

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any inconsistency between the English and Chinese versions of any of the above details, the English version shall prevail.

Protecting your furry friends has never been earlier. Please click here (instant quote) to get your Happy Tails quote today!

Important Note: Collection of Levy on Insurance Premium 

The Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this webpage are subject to levy.

  1. The following dog breeds are not covered in the policy: Tibetan Mastiff, Bull Terrier, Pit Bull Terrier, Japanese Tosa, Dogo Argentino, Fila Braziliero or their cross breed.
  2. It is mandatory that the pet undergoes a clinical examination for enrolment within 30 days of the commencement date of the insurance. The report must be produced when you are making a claim for the first time. Please download the clinical examination form at happytails.hk.aon.com 
  3. If your pet is not spayed or neutered, there is no coverage for illnesses related to prostate problems, hormonal skin conditions, perianal hernias, testicular tumors, perianal tumours, mammary tumours, uterine and ovarian conditions. 
  4. Cover is subject to the following conditions:
    • Your pet is aged between 16 weeks and below 9 years old at the commencement of this insurance. 
    • Your pet must be micro-chipped. 
    • Your pet is not a working pet, eg. Not for the purpose of racing, breeding, law enforcement, guarding or for other commercial use. 
    • Your pet has completed all required vaccinations. 
  5. The dog insured is required to be licensed by Hong Kong Agriculture, Fishers and Conservation Department. 

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.

Important Note: Collection of Levy on Insurance Premium 

The Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this webpage are subject to levy.

  1. Illness that occurs or recurs within the first ninety (90) days following the Policy Commencement Date. 
  2. Illness related to specified hereditary and congenital conditions that occurs or recurs within the first twelve (12) months following the Commencement Date.
  3. Any illness or injury that occurred prior to the Commencement Date. 
  4. Spaying and Neutering. 
  5. Preventive Healthcare. 
  6. Parasite Control. 
  7. Dental Health Care (Unless due to accidential injuiries). 
  8. Anal Gland Expression. 
  9. Special diets, pet foods, vitamins, supplements, grooming, nail trims, shampoo and bathing (including medicated baths). 
  10. Purchase and rental of prosthesis, corrective devices and medical appliances. 
  11. Injuiry or illness to any intentional, neglectful or preventable act, by You or a member of Your household. 
  12. Any loss and/or damage arising from war and terrorism.

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any inconsistency between the English and Chinese versions of any of the above details, the English version shall prevail.

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The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any inconsistency between the English and Chinese versions of any of the above details, the English version shall prevail.