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 less than a week after more than 900 restaurants became legally allowed to welcome dogs on the premises as part of a government scheme.
In a report published on Wednesday, the council noted that about 19 of the 24 pet insurance plans in June 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 offer claims if 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.