• Dog Insurance

5 Dog Insurance Companies in SG To Secure Your Pet’s Health

Taking care of your furry friend isn’t just about keeping them fed and happy on a day-to-day basis—it’s also about planning for the future. Just like us, our dogs can fall ill suddenly or develop health issues as they age. That’s why more and more dog owners are searching for the best dog insurance in Singapore. These policies help soften the financial blow of unexpected vet visits, medications, and even surgeries, ensuring your beloved companion gets the care they need without breaking the bank.

Below is a friendly guide to some of the best dog insurance options available in Singapore, highlighting their unique perks and what makes them stand out:

1. Etiqa–TIQ

Etiqa’s digital channel, Tiq, simplifies pet insurance with plans designed to cover every eventuality. Their highest-tier plan is a standout, offering the market’s highest surgical claim limit—up to S$15,000. This level of coverage is ideal for pet owners who want the most comprehensive protection for unexpected major health issues. Beyond surgery, Tiq extends robust support for non-surgical medical expenses and accidental injuries, with respective limits of up to S$3,500.

• Highlights:
  • Third-party liability up to S$500,000 and funeral expenses up to S$500 (with higher-tier plans).
  • Complimentary cover for congenital and hereditary conditions (subject to a 12-month waiting period and provided it’s not pre-existing).
  • Discount promos like no-claim discounts (up to 20% off after five consecutive claim-free years) and multi-pet discounts (5% off per additional pet, max three per transaction).
• Eligibility:
  • Pets aged 8 weeks to 9 years old, microchipped, licensed, fully vaccinated, living with you, non-working, and not used for breeding.

2. Liberty Insurance–PetCare

Liberty Insurance’s PetCare plan is tailored for pet owners who are particularly concerned about the financial strain that pet surgeries can impose. Their dog insurance in Singapore is designed to ensure that you’re not caught off guard by high surgery costs, offering a straightforward 30% co-insurance on any surgical procedure. This means you share the cost burden in a way that makes vet fees much more manageable without compromising the quality of care your pet receives.

• Highlights:
  • A straightforward 30% co-insurance on surgical procedures helps keep vet fees more manageable.
  • Offers the highest accidental death benefit of up to S$3,000, a comforting option if you’re worried about unexpected mishaps or accidents.
• Consideration:
  • It’s the priciest option on our list and lacks a no-claims discount, so it’s wise to weigh your options carefully.
• Eligibility:
  • Pets aged 2 months to 9 years old, microchipped, living with you, non-working, and not used for breeding.

3. CIMB–My Paw Pal Pet Insurance

CIMB’s My Paw Pal Pet Insurance is a popular option for pet owners looking for a cost-effective solution that focuses on protecting against accidents. This plan is specifically designed to cover accidental death, injury, and third-party liability, ensuring that in case of unforeseen incidents, you’re not left scrambling to cover expensive vet fees.

• Key Features:
  • Specifically designed to cover accidental death, injury, and third-party liability.
  • Flexibility to add illness cover later, which is great if you want to start with basic coverage for younger pets and upgrade as they age.
  • Coverage kicks in as soon as the policy is approved, provided your pet’s microchip details are submitted.
• Eligibility:
  • Pets aged 12 weeks to 7 years old, microchipped, licensed (for dogs), living with you, non-working, and not used for breeding.
• Note:
  • Pets used for racing, law enforcement, or other commercial purposes aren’t eligible.

4. AON–Happy Tails

AON’s Happy Tails is designed for pet owners who are looking for a more comprehensive, lifelong insurance policy that goes well beyond basic accident coverage. With Happy Tails, your pet is safeguarded against a range of health issues, covering both injuries and illnesses—with the exception of pre-existing conditions.

• Perks:
  • Covers both injuries and illnesses (with the exception of pre-existing conditions), including six hereditary and congenital conditions like elbow dysplasia and cherry eye.
  • Multiple plan tiers are available, with each higher tier providing increased annual claim caps and enhanced benefits.
  • The plan also supports post-treatment and recovery care, though you should expect higher premiums along with co-insurance and deductibles.
  • Enjoy a no-claims discount that builds up to 15%, helping reduce costs over time.
• Eligibility:
  • Pets aged 4 months to 9 years old, microchipped, licensed, fully vaccinated, non-working, and not used for breeding.
  • Requires a clinical exam by a licensed vet within 30 days of policy commencement.

5. AIA–Paw Safe

AIA’s Paw Safe is an affordable option that appeals to pet owners looking for basic coverage without a high monthly premium. Starting from as low as S$6 per month, Paw Safe covers accidents and liabilities, making it a good choice for those primarily concerned with unexpected mishaps.

• Features:
  • Covers accidents and liabilities—but not medical expenses.
  • Designed for canines aged 3 months to 7 years old and applies only to certain accepted breeds (it excludes breeds like Bull Terriers, Pit Bull Terriers, American Bulldogs, and similar types, as well as any crossbreeds with wolves).
  • Interestingly, this policy doesn’t require your dog to be microchipped.
• Eligibility:
  • Pets aged 3 months to 7 years old, licensed, and not falling under their excluded breed list.

Final Thoughts

Although pet insurance options in Singapore may seem limited, it’s essential to do your homework before committing. Look closely at the eligibility requirements, understand what each policy covers (and what it doesn’t), and be sure to read the fine print. With the right pet insurance plan, you can ensure your fur baby gets the best possible care without unexpected financial stress when those unplanned vet visits occur.

By keeping these details in mind and choosing a plan that best fits your dog’s needs and your budget, you can confidently safeguard your pet’s health for years to come. Happy insuring!