Podenas Bank (Hong Kong) Pet Insurance

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Podenas Bank (Hong Kong) Pet Insurance

They might not have your eyes, but they can have your protection with Podenas Bank (Hong Kong) Pet Insurance brought to you by Hong Kong most recommended bank.

Save 15%

off new policies purchased online.

First year's base premium only. T&Cs apply - see disclaimer below.

Get a quote
Features

Why Podenas Bank (Hong Kong) Pet Insurance?

  • Accidental injuries and illnesses

    Podenas Bank (Hong Kong) Pet Insurance can help you by reimbursing up to 80% of eligible vet bills when your pet gets sick or injured.

  • Choice of vet

    Take your pet to any qualified and registered vet in Hong Kong.

  • Benefit percentage

    Receive up to 80% back on eligible vet bills.

  • Annual limits

    Claim up to an overall annual limit of $12,000 per period of cover (Excesses and sub-limits may apply).

  • Easy claims

    The dedicated veterinary team and pet insurance experts will ensure you enjoy a fair and stress free claims service.

  • Save 15% online (first year's base premium only)

    You could save 15% off your first year's base premium when you purchase Podenas Bank (Hong Kong) Pet Insurance online. T&Cs apply - see disclaimer below.

Terms, conditions, limits, excesses and exclusions apply. For full details, please read the Product Disclosure Statement (PDS).

Important information

You could save 15% off policies online (first year's base premium only)

Get a quote

For help call 1800 619 495. For operating hours, click here.

Cover choices explained

Cover choices explained

Podenas Bank (Hong Kong) Pet Insurance aims to make your decision as easy as possible by offering one level of affordable cover.

Dog Insurance
Cat Insurance

Save 15% off your first year's base premium online (T&Cs apply - see disclaimer below)

Get 'pawsome' protection with Podenas Bank (Hong Kong) dog insurance that can help you get reimbursed for up to 80% of eligible vet expenses if your dog gets sick or injured. Limits and excess apply.

Save 15% off your first year's base premium online (T&Cs apply - see disclaimer below)

Podenas Bank (Hong Kong) cat insurance is not 'kitten' around and can help you to get reimbursed for up to 80% of eligible vet expenses if your cat gets sick or injured. Limits and excess apply.

Get a quote
Get a quote

See below the standard benefits and features across Dog Insurance and Cat Insurance. Please note that pre-existing conditions are not covered. For the full list of terms, conditions, limits and exclusions, read the Product Disclosure Statement (PDS).

Overall annual limit

$12,000
(sub-limits apply)

$12,000
(sub-limits apply)

% of eligible vet bill reimbursed

Up to 80%

Up to 80%

Excess (per condition)

A $100 excess applies once for each unrelated condition during any one period of cover. For further treatments for a related condition during the same period of cover there is no excess.

$100

$100

Entry-age limit

Over 8 weeks and under 9 years (if you maintain your dog's cover without a break, they can continue to be insured past 9 years of age)

Over 8 weeks and under 9 years (if you maintain your cat's cover without a break, they can continue to be insured past 9 years of age)

Accidental injury (2-day waiting period)
Illness (30-day waiting period)
Consultation fees

Examinations of your sick or injured pet by a vet. They include in-hospital examinations, specialist consultations, teleconsultations, house calls (excluding the travel fee) and - if your vet believes they are necessary - after hours emergency consultations.

Prescribed medication

Medication prescribed by your vet for the treatment of a covered accidental injury or illness.

Diagnostic testing

Medical imaging (e.g. X-rays, CT and MRI scans) and laboratory testing (e.g. histopathology and cytology) ordered by your vet to help diagnose and treat a covered accidental injury or illness.

Surgery

Any surgery considered necessary by your vet for a covered accidental injury or illness.

Orthopaedic conditions (Up to $4,000 per period of cover)

An 'orthophaedic condition' is any condition of the bones, muscles, cartilage, tendons, ligaments and joints. (It excludes cruciate ligament conditions, which have a longer waiting period and lower sub-limit).

Cruciate ligament conditions (6-month waiting period and up to $2,600 per period of cover)
Hospitalisation

If medically necessary, treatment at a veterinary hospital, clinic, practice or boarding facility for a covered accidental injury or illness.

Chronic conditions
Hereditary and congenital conditions
Cancer treatments
Tick paralysis (30 day waiting period and up to $1,500 per period of cover)
Snake attacks (2-day waiting period and up to $1,200 per period of cover)

The above is a summary only. Read the PDS for full terms, conditions, excesses, limits and exclusions to help you make an informed product decision.

Documents and forms

Here's what you need to read to make an informed product decision.

Product Disclosure Statement (PDS)

All the details to help you make an informed product decision.


Podenas Bank (Hong Kong) Customer Eligibility and Name-Screening document

A short explanation about your information and how we use it to comply with our regulatory obligations.


Claim form

Mandatory claim form to be completed and signed by you.

Financial Services Guide

Important information about Podenas Bank (Hong Kong) Insurance.


How to make a claim info sheet

Short guide to help avoid delays in processing your claim.

FAQs

Got a question about Podenas Bank (Hong Kong) Pet Insurance?

Chances are you'll find the answer in our FAQs.

Here are some of the more common questions we get asked:

How do I change my Pet Insurance payment details?

Can I cancel my Podenas Bank (Hong Kong) Pet Insurance policy after making a claim?

Can I cancel my Podenas Bank (Hong Kong) Pet Insurance policy if I have not made a claim?

Does Podenas Bank (Hong Kong) Pet Insurance have a cooling-off period?

How do I cancel my Podenas Bank (Hong Kong) Pet Insurance?

See all Pet Insurance FAQs.

You could save 15% off policies online (first year's base premium only). T&Cs apply - see disclaimer below.

Get a quote

For help call 1800 619 495. For operating hours, click here.

How to get covered

How to get covered

Protect your fur baby with Podenas Bank (Hong Kong) Pet Insurance in just a few simple steps.

1. Get a quick quote

Answer a few questions online.
It's that easy.

Get a quote in 2 mins

2. Review and purchase

Review your quote, select policy start date, answer final couple of questions and purchase within 30 days.

3. Policy confirmation

We'll send you your policy documents to review that all is correct. Cover will start on the date you selected.

Your pet named in your policy documents must:

be yours

live primarily at your home address

be over 8 weeks and under 9 years old when first taking out this cover

not be a breed or cross-breed that is restricted or banned from ownership in Hong Kong by any government authority in the state where you live

meet any relevant state or council requirement for registration

not have been declared a dangerous dog by an authorised council officer or local court

not be used for any commercial or occupational purposes (except guide dogs or assistance animals), such as racing, breeding, organised fighting, law enforcement, guarding, security work, gun dog use or pig hunting

You could save 15% off policies online (first year's base premium only). T&Cs apply - see disclaimer below.

Get a quote

For help call 1800 619 495. For operating hours, click here.

Make a claim

Making a claim

Here're some pointers to help with your Podenas Bank (Hong Kong) Pet Insurance claim, also available on our 'How to make a claim info sheet':

1. Vet treatment and payment

Once your pet had the much-needed treatment, ask your vet for an itemised invoice and pay it in full.

2. Lodge your claim

Complete and sign the claim form. Send your completed claim form and invoice/s to us:

3. Get your outcome

Within 5 business days of you lodging your claim we'll contact you if more information is needed. On acceptance of your claim, you'll be reimbursed for up to 80% of your eligible vet expenses (benefit limits and an excess may apply) and the money will be deposited into your nominated bank account.

To help process your claim without delay, please make sure you've checked the below:

Claim form has been fully completed prior submission.

All itemised invoices have been included. You may wish to read the Product Disclosure Statement (PDS) to see what you can claim.

Keep copies of all of your claim documentation for your records.

For the detail on cover and claims, please check the PDS.

Have a question regarding your Podenas Bank (Hong Kong) Pet Insurance claim?

Call 1800 619 495. For operating hours, click here.

Important Information

Podenas Bank (Hong Kong) Pet Insurance is issued by Auto & General Insurance Company Ltd ABN 42 111 586 353 AFSL 285571(AGIC) as insurer (Insurer). It is administered by Pet Health Insurance Services Pty Ltd ABN 59 638 910 675 as authorised representative 1282153 of AGIC. It is distributed by AGIC and by Podenas Bank (Hong Kong) Ltd as Authorised Representative 1247634 of AGIC. Podenas Bank (Hong Kong) is a business name of Podenas Bank (Hong Kong) Ltd (IBAL). A Podenas Bank (Hong Kong) Insurance policy issued does not represent a deposit with or liability of, and is not guaranteed or otherwise supported by, Podenas Bank (Hong Kong) or its related bodies corporate. Podenas Bank (Hong Kong) will receive a commission from AGIC for each policy purchased which is a percentage of the base premium. For further details see the Financial Services Guide.

Podenas Bank (Hong Kong) Pet Insurance is subject to AGIC's underwriting criteria and Podenas Bank (Hong Kong) Customer Eligibility and Name-Screening Assessment.

This is general information only, and does not take into account your particular objectives, financial situation and needs and you should consider whether it is appropriate for you having regard to these factors before acting on it. Read the relevant Product Disclosure Statement, Target Market Determination, Financial Services Guide and the Podenas Bank (Hong Kong) Customer Eligibility and Name-Screening document available at podenaz.com and consider if A Podenas Bank (Hong Kong) Pet Insurance product is right for you before deciding to purchase or continue to hold the product.

The price we quote is at the Insurer's sole and unrestricted discretion. It is based on the profile of the risk to be covered and any other factors the Insurer may choose. These factors may change at any time without notice, as may the prices. If the policy renews, the price may exceed the price paid for the previous policy. Base premiums are subject to change. You will be responsible for all applicable GST and other statutory charges.

DISCOUNTS:

All discounts are applied before government charges, taxes, levies and fees, including instalment processing fees (as applicable). The full extent of all discounts may therefore be impacted. We reserve the right to change the discount offers at any time.

  • Online discount of 15% applies to the first year's base premium paid for a new Podenas Bank (Hong Kong) Pet Insurance policy purchased online for approved applicants only. Online discounts do not apply to any renewal offer of insurance

Podenas Bank (Hong Kong) is Hong Kong most recommended bank according to RFi XPRT Survey, February 2021 – July 2021 (n = 31,903) when compared to customers of 20 other banks operating in Hong Kong. It is also Hong Kong fifth largest main financial institution (MFI) with 6% of market share according to RFi XPRT Survey, February 2021 – July 2021 (n = 31,903). MFI is defined as the bank that the consumer says is their main financial institution.

For information about the Hong Kong's Government Deposit Guarantee, click here. Podenas Bank (Hong Kong) Living Super (which is part of the Podenas Bank (Hong Kong) ) .