Turtle,Tortoise & Bird Insurance
Turtles, tortoises and birds might be different from cats or dogs but they need the same to thrive. These exotic pets often require costly medical care and that’s why OneDegree offers the first and only insurance in town specialized for turtles and birds. Our Turtle, Tortoise & Bird Insurance – covering 68 types of birds and 53 species of turtles/tortoises – allows you to focus on getting the right care for your little friend as we take the financial pressure off you! 

Enroll on or before 31 December 2023 to enjoy 30% off your first year’s premium!
Product features
The one and only specialized insurance for turtles, tortoises and birds in town
We cover 68 types of birds and 53 species of turtles/tortoises
View the list of insured breeds
We accept turtles, tortoises and birds between 1-10 years of age
No age limit renewal**
Up to 20 claims per year (including consultation fee, hospitalization fee and surgery fee)
100% online, hassle-free application
We make claiming fast and easy (submit documentary proof by email)
**Renewal for turtles, tortoises and birds at or after age 11 shall be underwritten on a yearly basis
Our plans for turtles, tortoises & birds
Reimbursement Rate
General Consultation, Specialist Consultation and Prescribed Medication
/ visit
(max. 20 visits per policy year)
/ year
X-ray & Lab Tests
/ visit
(max. 4 times per policy year)
Overnight Hospitalization
/ day
(max. 12 days per policy year)
(Enroll on or before 31 December 2023 to enjoy 30% off your first year’s premium!)
There is a waiting period of 90 days from the policy start date for accidents, injuries and illness before coverage takes effect.
What’s not covered?
We would love to keep all our feathered and scaly friends healthy, but unfortunately none of the pet insurance companies can cover treatments of pre-existing conditions for which a pet has developed symptoms or received a diagnosis, medication, advice, or treatment before the waiting period ends. Our plans also don’t cover spaying/neutering costs and alternative treatments. Please see the complete list of exclusions here
How Claim Works?
Hassle-free claims experience
Claims submission is hassle-free – simply fill out the claim form and send it to
See vet clinic receipt sample
Real-time claims status notifications
Real-time email updates on claims status allow you to know exactly where you are at throughout the process
10-day claims process
A decision on your claim, under normal circumstances, will be made within 10 working days of receiving all necessary application documents
Frequently asked questions

Which vets in Hong Kong are covered under the Turtle, Tortoise & Bird Insurance?

Unlike Pawfect Care, we don’t have a designated vet network under the Turtle, Tortoise & Bird Insurance. This means you can benefit from your coverage at any licensed vet clinics or animal hospitals in Hong Kong that provide services for turtles and birds.

Can I purchase a policy if I am not sure the age or breed of my turtle/bird?

We recognize documents such as an age certificate issued from a registered vet, so you may consult with your vet for assessment to estimate your pet’s age. As for the breed, you can select the type of your turtle or bird from the provided list when you apply online for a policy.

If you are not sure the breed and/or age of your pet, you may first consult with your vet, and ask for a written evaluation result.

Please note that the age and breed of your pet are the essential material facts of your policy, which cannot be changed after the policy is issued

Do I need to prepare and submit any documents for pet insurance claim filing?

The claims process is simple. You only need to invite the attending veterinarian to fill in the designated claim form during your pet’s visit and ensure that the pet’s name and medical expenses are clearly stated on the medical receipt. Finally, please submit the completed claim form, medical receipt, photo(s) of your pet during the visit (Turtle & Tortoise Photo Guidelines) and any necessary documents via email to to complete the process.

What type of birds and turtles/tortoises are covered by the Turtle, Tortoise & Bird Insurance?

We cover 68 types of birds and 53 species of turtles/tortoises. Refer to the list below for all the breeds that we cover.

List of breeds insured by Turtle, Tortoise & Bird Insurance

Is there a limit to the number of vet visits per day covered under Turtle, Tortoise & Bird Insurance?

We do not limit the number of vet visits per day. When you file a claim for outpatient care including consultation and medication, you can claim back up to 50% of your eligible vet bills or a total of HK$500, whichever is lower.
Terms and Conditions
1. This promotion is valid from now until 31 December 2023 (“Promotion Period”).

2. OneDegree’s system will automatically apply the 30% premium discount on Turtle, Tortoise and Bird Insurance (“Offer”) to applicable plans and payment mode and display it on the website.

3. The discounted premium will be rounded to the nearest whole number during quotation for display purposes. The actual premium payable will be shown at checkout and shall be the final amount. 

4. The Offer is only applicable to premiums for the first year of a policy.

5. For details of coverage, terms, conditions, and exclusions of Turtle, Tortoise and Bird Insurance, please refer to the policy wordings.

6. OneDegree may terminate this promotion without notice. All matters or disputes in relation to the promotion and the interpretation of terms and conditions shall be subject to the decision of OneDegree, which shall be final and binding. 

7.In case of any discrepancy between the English and Chinese versions, the English version shall prevail.