Why
pet insurance?
You’ve insured your Shiba Inu, Lucky, with medical coverage (but not accident one). Visiting a pet cafe, Lucky accidentally damaged a Gundam figure, costing HK$2,000.
Have ?
?Yes
Some medical insurance plans offer no third party liability. But with the add-on of WALKY,
You pay
HK$0
HK$0
WALKY pays HK$2,000
No
OMG!
You pay HK$2,000 
Your poodle, Fluffy, was playing with other dogs at the pet park. Suddenly, one bit Fluffy's ear. The total vet expenses for cleaning the wound, medication, and a follow-up consultation are HK$3,500.
Have ?
?Yes
As you’ve activated 2-star protection (HK$25/ticket) before visiting the pet park,
You pay
HK$500
HK$500
WALKY pays HK$3,000
No
OMG!
You pay HK$3,500