2024年必讀：5種方法幫你深入理解寵物處方食品及其保險覆蓋範圍

Must Read in 2024: 5 Ways to Understand Prescription Pet Foods and Their Insurance Coverage

What you eat is what you are. This statement is especially true for our pets. Prescription pet foods designed to address health conditions like allergies or urinary tract issues can drastically improve your pet's health, but they tend to be pricey. This is where pet insurance comes in handy. While not all insurance plans cover prescription foods, those that do can help you save money and reduce stress. In this article, we’ll explore how to understand pet insurance in Hong Kong to help you keep your pet healthy without breaking the bank.

Prescription pet food in Hong Kong

In Hong Kong, there are two main brands selling prescription pet food:

  • Hill's Pet Nutrition

  • Royal Canin Royal

There are other brands such as ADVANCE .

You may be thinking, "My pet is healthy now, so why should I worry?" According to research, if your pet encounters these common health problems during its lifetime, you'd better know how to fix them quickly:

  • obesity

  • urinary tract problems

  • Skin allergies and conditions

  • kidney problems

  • Digestive and dental problems

If you suspect your furry child has these issues, be on the lookout for prescription pet foods! Here are some foods that address these health concerns that your pet will appreciate:

obesity

With 59% of dogs and 61% of cats in the United States being overweight, the problem of pet obesity cannot be ignored. As in humans, obesity in pets can cause a range of health problems.

However, there is no need to worry if your pet is already overweight, this is common and reversible. Here are two very popular prescription pet foods:

dog:

  • Hill's Metabolic Weight Management Metabolic Enhanced Formula Dog Prescription Dry Food

  • Royal Canin Satiety Support

cat:

  • Royal Canin-French Royal Prescription wet food for adult cat satiety management

  • Royal Canin-French Royal Prescription Dry Food for Diabetic Adult Cats

urinary tract problems

Problems such as urinary stones or cystitis are especially common in cats. Prescription diets can help dissolve certain types of stones and prevent them from forming, by changing the pH of the urine and promoting fluid intake.

dog:

cat:

Skin allergies and conditions

Many pets suffer from food allergies or sensitivities, leading to skin problems, gastrointestinal issues, and other health issues. Prescription diets designed for allergies often contain limited ingredients and novel protein sources to minimize allergic reactions.

dog:

cat:

kidney problems

Kidney disease is particularly common in older pets, and specialized prescription diets can help manage this problem by lowering protein and phosphorus levels while providing essential nutrients.

Digestive and dental health problems

Approximately 30% of dogs and 20% of cats will experience gastrointestinal problems during their lifetime. In Hong Kong, as the number of pet owners continues to increase, so does the need for dietary management of gastrointestinal problems. Another common problem is dental disease. According to research, 80% of dogs and 70% of cats will show signs of dental disease by the age of three.

Fortunately, there are prescription pet foods that address these issues and can significantly improve your pet’s quality of life:

Set up your pet insurance plan in Hong Kong

Pet insurance is vital to pet owners in Hong Kong, providing financial protection and peace of mind. It covers accidents, illness, and even preventive care in some cases. What's more, many pet insurance plans also cover prescription pet food, which can be a significant expense for pets that require specialized diets. By setting up a comprehensive pet insurance plan, you can save money in the long term and ensure that your furry child receives the best care possible without financial stress.

There are several reputable pet insurance companies in Hong Kong that offer comprehensive plans specifically designed for pet owners. For example:

  • OneDegree offers flexible plans that cover a wide range of medical treatments from surgery to long-term illness care. Their policies also cover prescription foods recommended by your veterinarian, ensuring your pet’s specific dietary needs are met.

  • Bowtie is known for its affordable premiums and comprehensive coverage options. Their policies include coverage for prescription diets, giving pet owners peace of mind in managing their pets’ health and dietary needs.

  • FWD stands out for its comprehensive coverage, including reimbursement for a variety of veterinary treatments and surgeries. FWD also offers prescription pet food coverage to help pet owners share the cost of a professional diet.

These companies provide valuable protection so pet owners can feel confident caring for their pets, including managing the expenses associated with professional nutrition.

Review your pet insurance plan

If you already have pet insurance in Hong Kong, it is crucial to review your plan regularly, especially with regard to prescription pet food coverage. This will help you avoid unexpected costs and ensure you are fully prepared when your pet needs a specialized diet.

Regularly optimizing your pet insurance plan and reviewing coverage allows you to ensure your pet's health while managing costs. With Hong Kong pet insurance prescription food coverage offered by top companies like OneDegree, Bowtie and FWD, pet owners can better cope with their pets' dietary and medical needs.

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