Pet insurance in Hong Kong: what it costs
What a typical dog and cat policy costs in Hong Kong, how the size of the breed changes it, and what to check before you buy.
Checked 8 November 2026
Typical price
Dog
300.58 HKD a month, about 3,606.96 HKD a year
10Life comparison (premium data 22 May 2026), 1-year-old Shiba Inu, annual: MSIG Happy Tails 2,553 (212.75/mo); OneDegree Pet CEO Prestige 3,391 (promo); Prudential Furkids B 3,823; Blue Cross LovePet A 5,864 (488.67/mo). No mixed-breed quote found. source
Cat
300.58 HKD a month, about 3,606.96 HKD a year
10Life comparison (data 22 May 2026), 1-year-old Shorthair cat, annual: MSIG Happy Tails 1,213 (101.08/mo); OneDegree Pet CEO Prestige 3,391; Prudential Furkids B 3,823; Blue Cross LovePet A 4,031 (335.92/mo). cheapest option is about a third of that. source
By size
| Size | Per month | Per year |
|---|---|---|
| Toy | 198.38 HKD | 2,380.59 HKD |
| Small | 234.45 HKD | 2,813.43 HKD |
| Medium | 261.50 HKD | 3,138.06 HKD |
| Large | 333.64 HKD | 4,003.73 HKD |
| Giant | 450.87 HKD | 5,410.44 HKD |
Our estimate: the typical price scaled by the size of the dog. Real quotes depend on the breed, its age, the cover and the excess.
Check your breed
Estimates for popular breeds
| Breed | Per month | Per year |
|---|---|---|
| Labrador Retriever | 297.57 HKD | 3,571 HKD |
| French Bulldog | 429.83 HKD | 5,158 HKD |
| German Shepherd Dog | 324.63 HKD | 3,896 HKD |
| Golden Retriever | 282.55 HKD | 3,391 HKD |
| Dachshund (Standard) | 243.47 HKD | 2,922 HKD |
| English Cocker Spaniel | 249.48 HKD | 2,994 HKD |
| Chihuahua | 189.37 HKD | 2,272 HKD |
| Border Collie | 243.47 HKD | 2,922 HKD |
| Mixed breed (dog) | 225.44 HKD | 2,705 HKD |
| Mixed breed (cat) | 255.49 HKD | 3,066 HKD |
| Maine Coon | 297.57 HKD | 3,571 HKD |
| British Shorthair | 282.55 HKD | 3,391 HKD |
| Ragdoll | 267.52 HKD | 3,210 HKD |
Before you buy
- New policies often have an age limit, so insuring young is cheaper and easier.
- There is usually a waiting period before illness cover starts.
- Conditions the animal already has are not covered.
- Check whether hereditary conditions such as hip dysplasia are covered. Each breed page lists the ones to ask about.
- A higher excess or co-payment lowers the price but raises what you pay at the vet.
- Look at the yearly limit. One operation can cost more than a cheap policy pays out.
Rules and costs for dogs in Hong Kong → Pet insurance by country
Prices are typical published prices, not a quote. Pet Wiki is not an insurer or a broker.