Watchdog urges pet owners to be mindful of terms and conditions of insurance plans
Consumer Council issues warning less than week after more than 900 restaurants legally allowed to welcome dogs on premises
Hongkongers buying insurance for their pets have been urged to carefully examine third-party liability terms and pay special attention to coverage related to disputes and animals with a history of aggression.
The Consumer Council issued the warning on Wednesday, less than a week after more than 900 restaurants became legally allowed to welcome dogs on their premises as part of a government scheme.
The council noted in a report that 19 of 24 pet insurance plans reviewed included third-party liability coverage when the insured animal caused bodily injury or property damage.
But the plans, which were provided by seven companies, generally excluded claims involving nuisance, noise, fright and disputes without legal liability, the watchdog said.
It added that some policies might only cover claims if the incidents were deemed accidental.
“If a pet has a history of aggression, or if the owner knowingly fails to take reasonable precautions – such as using a leash, a muzzle or complying with venue rules – insurers may decline claims or limit compensation according to policy terms,” the council said.