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Happy Tails® Pet Insurance
Why choose MSIG?
Comprehensive Coverage
Cover over 200 dog breeds and 100 cat breeds, including mixed or cross breed too
Lifetime Protection
Enroll your pet before they are 4 years old to enjoy lifetime protection
Surgical Expenses
Cover up to 80% of the surgical expenses arising from sickness and accidents
Coverage for Specified Hereditary and Congenital Conditions
Including Dysplasia, Luxating patella, Glaucoma, Cherry eye, Intervertebral disk disease (IVDD) and Hip dysplasia*
Third Party Legal Liability
Up to HK$2,750,000
No Claim Discount
Up to 15%
Select plans to compare
| Benefits at a Glance | Maximum Benefits Payable Per Year (HK$) | |||
|---|---|---|---|---|
| Standard Plan (Dog) | Premier Plan (Dog) | Ultimate Plan (Dog) | Cat Plan | |
| Maximum Benefits Payable Per Year for Surgical Benefit, Chemotherapy Benefit and Final Expenses Benefit | $19,250 | $41,250 | $68,750 | $27,500 |
Select plans to compare
| Surgical Benefit | Maximum Benefits Payable Per Year (HK$) | |||
|---|---|---|---|---|
| Standard Plan (Dog) | Premier Plan (Dog) | Ultimate Plan (Dog) | Cat Plan | |
Surgical Benefit1Pays for medically necessary surgery which includes diagnostic tests, veterinarian’s fee, operating theatre fee, drugs, dressings and miscellaneous expenses related to a surgery | $13,750 | $33,000 | $55,000 | $20,900 |
Room and Board Expenses1Cost of boarding at a licensed veterinary clinic or hospital following a surgery | $1,375 | $3,300 | $5,500 | $2,090 |
Post Surgical Treatment Benefit1Follow-up consultations, diagnostic and laboratory services, examinations and acupuncture up to 90 days following surgery | $825 | $1,650 | $,2750 | $1,100 |
Chemotherapy BenefitCost of chemotherapy treatment incurred in a licensed veterinary clinic or hospital | $5,500 | $8,250 | $13,750 | $6,600 |
Final Expenses BenefitCost and expenses incurred for euthanasia, cremation, funeral service and handling charges following death of the pet | N/A | $1,375 | $1,375 | $1,375 |
Third Party Legal LiabilityLegal liability due to accidental 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-insuranceThe 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 underthe policy in the preceding year. | ||||
| Period of Insurance | Inception Year | 1st Renewal | 2nd Renewal | 3rd & Subsequent Renewals |
| Discount Eligibility | 0% | 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 is more than 1 pet insured, the NCD shall be applied on each pet separately.
| Waiting Period: | ||||
|---|---|---|---|---|
Illness | 90 days | |||
Specified hereditary and congenital conditions | 12 months | |||
Important Notes:
- The total aggregate limit of all benefits combined shall not exceed the maximum limit of Surgical Benefit.
- 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 costs and expenses related to clinical examination for insurance enrolment are not covered in the policy.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
- Illness that occurs or recurs within the first 90 days following the policy commencement date
- Illness related to specified hereditary and congenital conditions that occurs or recurs within the first 12 months following the commencement date
- Any illness or injury that occurred prior to the commencement date
- Spaying and neutering
- Preventive healthcare
- Parasite control
- Dental health care (unless due to accidental injuries)
- Anal gland expression
- Special diets, pet foods, vitamins, supplements, grooming, nail trims, shampoo and bathing (including medicated baths)
- Purchase and rental of prosthesis, corrective devices and medical appliances
- Injury or illness due to any intentional, neglectful or preventable act, by you or a member of your household
- Any loss and/or damage arising from war and terrorism
- 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.
