Dog & Puppy Insurance

If Rocky’s love for his teddy literally becomes all-consuming, his stuffed teddy supper could cost up to thousands of dollars for a foreign-body ingestion surgery!

With Happy Tails™ covering up to 80% of his veterinary bill, Rocky could now afford to seek surgical or cancer treatment by visiting any licensed veterinarian including emergency hospitals in Hong Kong.

Dog & Puppy Insurance

Happy Tails™ pet insurance caters to a wide range of breeds and budget needs. Our dog insurance plan pays up to 80% of your actual veterinary bill for surgical treatment arising from injuries, illnesses, emergencies, and specified genetic conditions.


**Cost of Diagnostics, X-rays, Blood Test, Ultra-sound are covered when it leads to a surgery

Happy Tails™ is the pet insurance that covers specified hereditary and congenital conditions. As long as your pet is enrolled before age six (6) with no pre-existing conditions, he/she can enjoy coverage for the specified hereditary and congenital conditions. This is on the condition that a clinical examination by a registered vet is conducted within 30 days of Happy Tails' enrolment and a waiting period of 12 months from the policy commencement for the benefits to take effect, applies.


Lifetime Coverage – From Puppies to Senior Dogs

Whether your dog gets into mischief that lands him in the emergency room or develops a disease later in life, your dog's medical care can be a financial burden at any point in their life.

Have your dog medically examined by a vet, micro-chipped and complete all required vaccinations and you can enrol for Happy Tails insurance. It’s that easy!


  • Puppies to dogs aged five (5) years old
    • Start protecting your precious puppy as early as sixteen (16) weeks to below age six (6) to enjoy wider cover. This includes specified hereditary and congenital conditions such as luxating patella.
  • Dogs aged six (6) and older
    • As dogs age, their health deteriorates and medical conditions start to surface which translates to higher medical attention and treatment costs. The good news is you can enroll your faithful friend with Happy Tails™ insurance before their ninth (9) birthday.

Puppies aged sixteen (16) weeks and below age four (4) enjoy lifetime co-insurance of 20%, meaning 80% of the incurred expenses are covered. Enroll your puppy for the higher coverage now!


How Dog & Puppy Insurance Works

With Happy Tails™, you can visit any licensed veterinarian including specialists and emergency animal hospitals that can truly make a difference in your pet's care. We even take care of cost for alternative care of acupuncture treatment. Here’s how your furry friend will be covered:


Accident coverage Immediate
Illness coverage 90 days waiting period from insurance commencement date
Specified hereditary and congenital conditions 12-month waiting period from insurance commencement date
You should only apply for Happy Tails if you decide that it is suitable for your risks and needs. Please seek quotes from an alternative market source should the product not be suitable to your risks and needs. This insurance is underwritten by MSIG Insurance (Hong Kong) Limited. The information contained herein is subject to the terms, conditions and exclusions of the policy wording, a copy of which can be obtained here.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.