Happy Tails® Pet Insurance

Get lifetime coverage for your furry companions

Plan Highlights

Major Medical Expenses Icon
Major Medical Expenses 

When your pet needs surgical treatment including blood transfusions or chemotherapy

Lifetime Protection Icon
Lifetime Protection

Enroll your pet before they are 4 years old to enjoy lifetime protection

Medical and Surgical Expenses Icon
Medical and Surgical Expenses

Cover up to 80% of the expenses arising from sickness and accidents

Coverage for Specified Hereditary and Congenital Conditions Icon
Coverage for Specified Hereditary and Congenital Conditions

Including Dysplasia, Luxating patella, Glaucoma, Cherry eye, Intervertebral disk disease (IVDD) and Hip dysplasia*

High Annual Limit Icon
High Annual Limit 

Up to HK$68,750 for dogs

No Claim Discount Icon
No Claim Discount

Up to 15%

Plan details


Benefits at a Glance

Maximum Benefits Payable Per Year (HK$)

Standard Plan

Premier Plan

Ultimate Plan

Cat Plan

Maximum Benefits Payable Per Year for Surgical Benefit, Chemotherapy Benefit and Final Expenses Benefit

 $19,250   $41,250   $68,750   $27,500 

Surgical Benefit

Clinical and Surgical Benefit1

Pays 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 Expenses1

Cost of boarding at a licensed veterinary clinic or hospital following a surgery

 $1,375  $3,300  $5,500  $2,090

Post Surgical Treatment Benefit1

Follow-up consultations, diagnostic and laboratory services, examinations and acupuncture up to 90 days following surgery

 $825  $1,650  $,2750  $1,100

Chemotherapy Benefit

Cost of chemotherapy treatment incurred in a licensed veterinary clinic or hospital

 $5,500  $8,250  $13,750  $6,600

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

Third Party Legal Liability

Legal 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


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 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:
  1. The total aggregate limit of all benefits combined shall not exceed the maximum limit of Clinical and Surgical Benefit.
  2. 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.
  3. 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.