Livi Bank review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Livi bank arranges home, travel and pet cover as a broker regulated by the Insurance Authority in Hong Kong, with a pet premium HKD 1,410. It suits adults who keep banking and cover with the same provider and who weigh a pet cover ceiling of HKD 90,000 annual medical and surgical against treatment costs.
Key facts
- Best for
- Hong Kong adults wanting home, travel and pet cover placed through their bank.
- Premium from
- HK$1,410 (Source, checked September 26, 2026)
- Insurance types
- Home, Travel, Pet (Source, checked September 26, 2026)
- Provider type
- Broker (Source, checked September 26, 2026)
- Excess from
- HK$3,000 (Source, checked September 26, 2026)
- Cover limit
- HKD 90,000 annual medical and surgical (Source, checked September 26, 2026)
- Claims channels
- Email, Phone, Post, In-person (Source, checked September 26, 2026)
- Age range
- 18 and above (Source, checked September 26, 2026)
- Legal entity
- Livi Bank Limited (Source, checked September 26, 2026)
- Headquarters
- Hong Kong (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Chat, Help-centre (Source, checked September 26, 2026)
- Official website
- livibank.com
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- LinkedInfacebook.com
Pros and cons
Pros
- Home, travel and pet are all listed under home, travel and pet, so a household can hold every line with the same bank.
- General support covers email, phone and chat, adding live chat and a help centre to email and phone.
- Both Hong Kong regulators are on record, the Insurance Authority and the Hong Kong Monetary Authority, and the insurance licence reads GA1033.
- Pet claims can be raised on email, phone and post, which brings in person and post alongside email and phone.
Cons
- Pet cover stops at HKD 90,000 annual medical and surgical for annual medical and surgical, so a costly procedure can outrun the ceiling.
- The cover is placed as a broker, so the bank sits between you and the underwriter rather than carrying the risk itself.
- Pet claim handling runs on email, phone and post, which leaves live chat and the help centre out of that route.
Who it suits
- Adults in Hong Kong who clear the account minimum age of 18 and above and want cover arranged through their bank.
- Pet owners who would rather claim in person or by post, since pet claims run on email, phone and post.
- Travellers and householders who want chat and a help centre, both on email, phone and chat.
Who should look elsewhere
- Anyone after auto, renters, life, health or motorcycle cover, which Good Sam Insurance Agency lists under auto, home and renters.
- Landlords or shoppers wanting home emergency cover, which Hiscox UK adds in home, renters and landlord.
- Readers comparing starting prices across markets, since Euroasia Insurance quotes UZS 60,000 in another currency.
How Livi Bank compares
8.7 vs 8.6
8.7 vs 9.4
8.7 vs 9.4
8.7 vs 9.4
8.7 vs 9.4
8.7 vs 8.8
8.7 vs 8.7
8.7 vs 9.0
8.7 vs 9.4
8.7 vs 9.3
8.7 vs 8.9
8.7 vs 8.9
8.7 vs 8.9
8.7 vs 9.3- 8.7 vs 9.3
8.7 vs 9.3Max Life Insurance
8.7 vs 9.3
8.7 vs 9.3
8.7 vs 9.3
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2- 8.7 vs 9.1
8.7 vs 9.1
8.7 vs 9.1
8.7 vs 8.9
8.7 vs 8.9
8.7 vs 8.8
8.7 vs 8.8
8.7 vs 8.6- 8.7 vs 8.4
- 8.7 vs 8.2
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Where Livi Bank is available
- Available
- Hong Kong
- Licence in Hong Kong
- Insurance Authority (Hong Kong) (GA1033), checked September 26, 2026
- Licence in Hong Kong
- Hong Kong Monetary Authority, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does pet cover cost at Livi bank?+
The pet plan carries the published figures. Premium HKD 1,410, excess HKD 3,000. Annual medical and surgical cover is capped at HKD 90,000 annual medical and surgical, and the plan is placed as a broker rather than underwritten by the bank.
Who regulates Livi bank?+
Both Hong Kong regulators are on record for the brand: the Insurance Authority and the Hong Kong Monetary Authority. The insurance side sits with the Insurance Authority under licence GA1033, and the legal entity behind the plans is Livi Bank Limited.
Who can hold cover with this bank?+
The plans are aimed at adults in Hong Kong. Minimum age 18 and above, headquarters HK. The range offered is home, travel and pet, so anyone shopping outside that market will need a provider local to their own country.
How do I make a pet claim?+
Pet claims run on email, phone and post, so an owner can start a claim by phone, in writing or in person. That suits people who would rather deal with a person at a branch than work through a screen. Home and travel enquiries follow a different route.
How do I get help with home or travel cover?+
General support runs on email, phone and chat, a different set of routes from pet claims on email, phone and post. Live chat and a help centre sit on the general side, while pet claims add in person and post. Check which route applies before you start.
Is the pet cover capped?+
Yes. Annual medical and surgical cover stops at HKD 90,000 annual medical and surgical, and a claim begins with an excess of HKD 3,000 payable by the owner. Owners expecting a costly procedure should compare both figures with the treatment they have in mind.
Can I keep home, travel and pet cover together?+
Yes, the range is listed as home, travel and pet under Livi Bank Limited, so the same relationship can carry a home policy, a travel policy and a pet plan. Support for the first two runs on email, phone and chat, while pet claims follow email, phone and post.
How does it score on cost?+
Livi bank takes an overall score of 0.7 on the site, with the cost part at 0.7. On the premium from ranking it sits at position 233 of 252, and the site lists 3 alternatives alongside it.
Sources
- livibank.com checked September 26, 2026
Backs: Insurance types
“livi Flexi Loan "Balance Transfer" - Universal Voyage Travel Insurance Plan - Easy HomeCare - Pet Care”
- livibank.com/features/Account-Opening.html checked September 26, 2026
Backs: Age range
“Aged 18 or above - A Hong Kong resident holding the new version of smart identity card”
- livibank.com/features/PetCareInsurance.html checked September 26, 2026
Backs: Claims channels, Cover limit, Provider type, Excess from, Legal entity, Premium from, Licences
“Please email to: claims.hk@bolttechinsurance.com, or send mail to: 9/F, FWD Financial Centre, 308 Des Voeux Road Central, Hong Kong ... You can also submit to any bolttech Insurance Solutions Centre...”
- livibank.com/features/UniversalVoyageTravelInsurancePlan.... checked September 26, 2026
Backs: Support channels
“please contact 24 x 7 liviCare hotline at (852) 2929 2998 or Live Chat on the livi app”
- livibank.com/media-centre.html checked September 26, 2026
Backs: Headquarters
“Joint Venture backed by BOC Hong Kong (Holdings), JD Digits and Jardines, granted a banking licence by Hong Kong Monetary Authority”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Monthly payments.
Livi Bank
Hong Kong adults wanting home, travel and pet cover placed through their bank.