Pet Insurance Singapore 2025: Compare Best Plans & Providers
Our pets are more than just animals; they're cherished members of our families. As responsible pet owners in Singapore, ensuring their health and well-being is a top priority. However, unexpected vet bills can be a significant financial burden. This is where pet insurance in Singapore comes into play, offering a safety net for those unforeseen medical expenses.
This comprehensive guide will walk you through everything you need to know about securing the best pet medical insurance in Singapore for your dog or cat, including a list of current providers for 2025.
Why Do You Need Pet Insurance in Singapore?
Veterinary care, especially for emergencies, surgeries, or chronic conditions, can be surprisingly expensive in Singapore. Consider these benefits:
- Financial Protection: Pet insurance helps mitigate high vet bills, allowing you to make decisions based on your pet's health needs rather than cost.
- Peace of Mind: Knowing you have coverage can reduce stress during an already difficult time when your pet is unwell.
- Access to Better Care: With insurance, you might be more inclined to opt for advanced treatments or specialists if recommended by your vet.
- Rising Vet Costs: Like human healthcare, veterinary costs are also on the rise. Insurance can help manage these escalating expenses.
What Does Pet Insurance in Singapore Typically Cover?
Coverage varies between insurers and plans, but most pet insurance policies in Singapore generally cover:
- Accidents: Injuries from mishaps like falls, poisonings, or car accidents.
- Illnesses: Sicknesses such as infections, digestive issues, or skin conditions (excluding pre-existing conditions).
- Surgical Procedures: Costs related to necessary surgeries.
- Hospitalisation: In-patient care at a veterinary clinic.
- Diagnostic Tests: X-rays, blood tests, ultrasounds needed to diagnose a condition.
- Prescription Medications: Drugs prescribed by a vet for covered conditions.
- Some plans may also offer (often as add-ons or in premium tiers):
- Third-party liability (if your pet injures someone or damages property).
- Theft or loss of pet.
- Final expenses (e.g., euthanasia, cremation).
- Dental treatment (usually due to accident/illness).
- Alternative therapies (e.g., acupuncture, physiotherapy if prescribed).
Common Exclusions:
It's crucial to understand what's typically NOT covered:
- Pre-existing conditions: Any illness or injury your pet had before the policy start date or during the waiting period.
- Routine/Preventative Care: Vaccinations, regular check-ups, flea/tick prevention, grooming, spaying/neutering (unless specified as an add-on).
- Congenital or Hereditary Conditions: Some policies exclude these, while others might cover them after a certain waiting period or if asymptomatic at enrolment. Always check!
- Behavioural Problems: Treatment for issues like anxiety or aggression.
- Pregnancy and Breeding-related Costs.
- Cosmetic Procedures.
List of Pet Insurance Providers in Singapore (2025)
Here are the key players offering pet insurance in Singapore. It's essential to visit their official websites for the most up-to-date information, policy wordings, and to get a personalized quote.
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Liberty PetCare - Liberty Insurance offers PetCare, often cited as Singapore's first pet insurance. It provides comprehensive coverage for accidents and illnesses for dogs and cats, including medical and surgical expenses, and also covers third-party liability. They typically offer various plans with differing annual limits and benefits.
Visit Liberty PetCare -
CIMB My Paw Pal (underwritten by Sompo Insurance) - CIMB Bank offers My Paw Pal, underwritten by Sompo Insurance Singapore. This plan is designed to cover vet fees due to accidents and illnesses, with options for theft cover (with additional premium).
Visit CIMB My Paw Pal (or check with CIMB for the latest product page) -
Tiq by Etiqa Pet Insurance - Tiq by Etiqa offers comprehensive pet insurance known for flexible plans. Their policies often cover surgical and non-surgical medical expenses, cancer treatment, accidental injury, and final expenses. Tiq is noted for offering high surgical sum insured on some of their higher-tier plans and providing complimentary coverage for congenital and hereditary conditions after a 12-month waiting period (if not pre-existing).
Visit Tiq Pet Insurance -
MSIG PawEasy - MSIG Singapore offers PawEasy, a comprehensive pet insurance product. It provides coverage for accidents and illnesses, including significant limits for hospitalisation and surgery, pre-surgery consultations, post-surgery treatment, and complementary therapies like acupuncture. Optional add-ons for outpatient non-surgical cover, chemotherapy, and third-party liability are also available.
Visit MSIG PawEasy -
Income (NTUC Income) - Happy Tails Pet Insurance - Income offers Happy Tails Pet Insurance, arranged by Aon. This plan typically provides lifetime coverage (subject to enrolment eligibility) for dogs and cats, covering accidents, illnesses, and specified hereditary and congenital conditions. Various plan tiers are usually available.
Visit Aon Happy Tails (Product underwritten by Income)
Important Note: The pet insurance market is dynamic. Providers and plan details can change. Always verify the most current information, terms, conditions, and policy wordings directly with the insurance companies or an authorized broker before making a decision. The list above reflects commonly known providers and their general offerings based on available information up to early 2025.
Key Factors to Consider When Choosing Pet Insurance in Singapore
When you compare pet insurance in Singapore, keep these factors in mind:
- Eligible Age To Be Insured: Minimum and maximum age for enrolment, and if coverage changes as your pet gets older.
- Maximum Age for coverage: Will the pet be insured until end of its life?
- Coverage Level & Annual Limit: What's the maximum amount the insurer will pay per year or per incident?
- Third Party Liability: How much is the compensation for third-party liability arising from owning the insured pet? eg. Pet injures someone or damages their property.
- Freedom of Vet Choice: Some policies might require you to use specific vets, while others allow you to visit any licensed vet in Singapore.
- Breed Exclusions/Loadings: Some breeds prone to specific health issues might be excluded or incur higher premiums.
- Deductible (Excess): The amount you pay out-of-pocket before insurance kicks in.
- Co-insurance (Co-payment): The percentage of the vet bill you'll share with the insurer after the deductible. For example, an 80% co-insurance means the insurer pays 80%, and you pay 20%.
- Premiums: The monthly or annual cost of the policy. This can vary based on pet's breed, age, species, and coverage level.
- Waiting Periods: The time you must wait after policy inception before certain coverages become active (e.g., 14 days for illnesses, longer for specific conditions).
- Customer Reviews and Reputation: Look for feedback on claims processing and customer service.
Here's a comparison of insurers for dogs:
Pet Insurance Comparison for Dogs (2025)
| Liberty PetCare | CIMB My Paw Pal | Tiq | MSIG PawEasy | Income Happy Tails | |
|---|---|---|---|---|---|
| Eligible Age to be insured | 8 weeks to 9 years old | 12 weeks to 7 years old | 8 weeks to 9 years old | 16 weeks to 9 years old | 16 weeks to 9 years old |
| Maximum age for coverage | 13 years old | 13 years old | 9 years old | 13 years old | Till end of life |
| No medical examination required | Yes | Yes | Yes | Yes | No |
| Maximum claim for medical treatment | Non-surgical $5,000 Surgical $18,000 | $1,500 (due to accident) $1,500 (due to illness) | Non-surgical $3,500 Surgical $15,000 | Non-surgical $5,000 Surgical $20,000 | Surgical $10,000 |
| Maximum third party liability coverage | $500,000 | $250,000 | $500,000 | $500,000 | $500,000 |
| Maximum chemotherapy claim per year | $5,000 | N.A | N.A | $6,000 per lifetime | $2,500 |
| Maximum theft coverage | $3,000 | $1,500 | N.A | N.A | N.A |
| Exclusion on certain breeds | No | Yes | No | No | No |
| Annual Premiums (SGD) | Ranging from $390 - $1,500 | Starts from $103 | Ranging from $270 - $610 | Ranging from $390 - $660 | Ranging from $400 - $600 |
Do note the annual premiums here are quoted based on french bulldog with a date of birth July 2023 as of June 2025. The figures has been rounded up / down for readability. Do read the policy wording carefully for each of the insurers. Do head over to respective insurer to get a personalized quote.
Pet Insurance Comparison for Cats (2025)
| Liberty PetCare | CIMB My Paw Pal | Tiq | MSIG PawEasy | Income Happy Tails | |
|---|---|---|---|---|---|
| Eligible Age to be insured | 8 weeks to 9 years old | 12 weeks to 7 years old | 8 weeks to 9 years old | 16 weeks to 9 years old | 16 weeks to 9 years old |
| Maximum age for coverage | 13 years old | 13 years old | 9 years old | 13 years old | Till end of life |
| No medical examination required | Yes | Yes | Yes | Yes | No |
| Maximum claim for medical treatment | Non-surgical $5,000 Surgical $18,000 | $1,500 (due to accident) $1,500 (due to illness) | Non-surgical $3,500 Surgical $15,000 | Non-surgical $5,000 Surgical $20,000 | Surgical $3,800 |
| Maximum third party liability coverage | $500,000 | $250,000 | $500,000 | $500,000 | $250,000 |
| Maximum chemotherapy claim per year | $5,000 | N.A | N.A | $6,000 per lifetime | $1,200 |
| Maximum theft coverage | N.A | N.A | N.A | N.A | N.A |
| Exclusion on certain breeds | No | No | No | No | No |
| Annual Premiums (SGD) | Ranging from $390 - $1,500 | Starts from $103 | Ranging from $200 - $450 | Ranging from $130 - $230 | Purrfect $285.43 |
Do note the annual premiums here are quoted based on ragdoll with a date of birth July 2023 as of June 2025.
Frequently Asked Questions (FAQ) about Pet Insurance in Singapore
Is pet insurance worth it in Singapore?
For many pet owners, yes. If your pet experiences a serious accident or illness, vet bills can easily run into thousands of dollars. Pet insurance provides a financial buffer. Consider your financial situation and risk tolerance.
How much does pet insurance cost in Singapore?
Costs vary widely, potentially from S$20-S$30 up to S$100+ per month (or S$250-S$750+ annually), depending on the insurer, plan chosen, your pet's age, breed, species (dog insurance is often pricier than cat insurance), and pre-existing conditions. Older pets and certain breeds typically cost more to insure.
Can I get pet insurance for an older dog or cat in Singapore?
Yes, but options may be limited, and premiums will be higher. Most insurers have a maximum enrolment age (e.g., 7-9 years old). Once enrolled, some insurers offer lifetime cover as long as premiums are paid, while others might stop renewal after a certain age.
Does pet insurance cover pre-existing conditions?
No, generally pet insurance in Singapore (and globally) does not cover pre-existing conditions. This is why it's advisable to get insurance when your pet is young and healthy.
Can I use any vet in Singapore with my pet insurance?
Most plans in Singapore allow you to visit any licensed veterinarian. However, it's always best to confirm this with the insurer.
Choosing the Right Pet Insurance in Singapore: A Final Word
Investing in pet insurance in Singapore is a significant step towards responsible pet ownership. It offers invaluable peace of mind and financial security, ensuring your furry companion can receive the best possible care without causing undue financial hardship.
Take the time to research, compare pet insurance plans thoroughly, and read the fine print. By understanding your options and your pet's potential needs, you can choose a policy that provides the right level of protection for your beloved dog or cat. Protecting your pet's health is protecting a member of your family.