Most pet insurance policies offer third-party liability coverage, with maximum coverage ranging from HK$500,000 to $3,000,000, which compensates for injuries caused by your pets to other people or pets or damage to their belongings.
However, there are also pet insurance policies that do not include third-party liability coverage, which means that the owner must bear the responsibility. Therefore, MoneySmart advises owners to carefully review the third-party liability coverage of the pet insurance when buying pet insurance to avoid any unforeseen expenses.