Our pets can get sick or injured, and sometimes, the cost of treating these issues can be higher than expected. Even if your dog is perfectly healthy, accidents—like swallowing something they shouldn’t or developing a sudden health issue—can happen and lead to expensive medical bills. Pet insurance is a safety net that helps cover these unexpected costs, so you don’t have to worry as much about the financial impact.
The main perk of pet insurance is that it helps with those large medical bills that can quickly add up. With insurance, your dog can get the treatment they need without you stressing over the cost. Plus, having insurance can give you access to better healthcare options for your dog, since you won’t be as limited by what you can afford. Instead of focusing on the money, you can focus on being there for your pet when they need you most, knowing their care is taken care of.
Pet Insurance in Singapore
The pet insurance scene in Singapore has grown a lot since it first started. Liberty Insurance introduced the first pet insurance plan in 2014 with their PetCare plan, and since then, other insurers have joined in, offering a range of options for pet owners. Here are some popular options for pet insurance in Singapore as of 2025:
1. Liberty PetCare by Liberty Insurance
Liberty PetCare was one of the first plans introduced in Singapore and is known for being a reliable option for pet owners. It offers comprehensive coverage for both dogs and cats, including accidental injury and death, hospitalisation, surgeries, and post-surgery treatment.
2. AON Happy Tails, underwritten by NTUC Income
AON Happy Tails offers flexible plans with a range of coverage options, including coverage for common accidents, illnesses, and surgeries. It’s particularly great for younger pets but also has options for older pets with age-related issues. They also offer a budget-friendly entry-level plan.
3. CIMB My Paw Pal
This is a more affordable option that provides basic to mid-level coverage. It’s a great choice for pet owners looking for essential coverage without the extra frills, making it a good option for healthier pets.
4. Tiq Pet Insurance, offered by Etiqa
Tiq Pet Insurance is another flexible and comprehensive option. It covers accidents, illnesses, surgeries, and even more complex treatments like cancer. Etiqa is known for its customer-friendly service and easy-to-understand policies.
5. Silversky Protect, underwritten by MSIG
Silversky Protect stands out for its broad coverage, including dental treatment for accidents or illnesses and third-party liability. It’s a great option for pet owners who want a more complete safety net for their pets.
Types of Pet Insurance Coverage
When choosing a pet insurance plan, you’ll typically find coverage for a few common areas:
- Accidental Death & Injury: Covers the cost of treatment or compensation if your pet suffers from an injury or passes away unexpectedly.
- Hospitalisation & Surgery: Covers the cost of a pet’s stay in the hospital and any surgeries required.
- Post-Surgery Treatment: Ensures that follow-up care, such as rehabilitation, is covered.
- Third-Party Liability: Protects you financially if your pet causes harm or damages property.
- Theft Coverage: Helps recover costs if your pet is stolen.
How to Choose the Right Pet Insurance
To choose the right insurance for your pet, think about a few things:
- Breed and Health: Some breeds are prone to certain health problems that might be costly to treat.
- Age of Your Pet: Older pets tend to develop chronic health issues that may need more comprehensive coverage.
- Accident-Prone Pets: If your dog tends to get into trouble, consider a plan that covers accidents.
- Budget: It’s important to find a balance between good coverage and affordability, so think about what fits your financial situation.
Choosing the right pet insurance can give you peace of mind, knowing your furry friend is covered in case of unexpected health issues. Whether you opt for a basic plan or a more comprehensive one, it’s essential to choose a plan that fits both your pet’s needs and your budget. Hopefully, this guide has helped you understand the options and how to make the best choice for your pet’s care.
