TOP 10 ESSENTIAL PET INSURANCE FACTS EVERY SINGAPORE PET OWNER SHOULD KNOW
Thinking about getting pet insurance in Singapore? Here are 10 key facts every pet owner should know—from coverage types and age limits to waiting periods, claim processes, and how to save on premiums—so you can make the best decision for your furry friend.
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Many pet owners get insurance to protect their furry companions in case of illness or injury. But like other types of insurance, pet coverage can be confusing—especially with so many plans and terms to consider. The last thing you want is to find out your policy doesn’t cover what you thought it did when your pet needs care the most. That’s why we’ve put together this essential guide—so you’ll know exactly what to look for when choosing the right plan for you and your pet.
1. Only Dogs and Cats Are Covered
Currently, most pet insurers in Singapore (like Tiq by Etiqa, Liberty, AON Happy Tails, and MSIG) only offer coverage for dogs and cats. Exotic pets like rabbits, hamsters, birds, or reptiles are generally not covered unless you go through niche or overseas providers.
2. Entry Age Restrictions Apply
To be eligible, your pet typically must be between 8 weeks and 7–9 years old at the time of enrolment, depending on the insurer. Some providers allow lifetime renewal once the policy is active, but only if you enrolled before the age cap.
3. Coverage Types Vary Between Plans
Pet insurance plans in Singapore usually fall into a few categories:
- Accident-only plans
- Accident + illness plans
- Lifetime coverage plans
Some policies also offer optional riders for third-party liability, hereditary conditions, or wellness benefits like vaccinations and dental cleanings.
4. All Plans Come with Waiting Periods
There’s no such thing as instant coverage. Most insurers impose:
- 14–30 days for accident claims
- 90 days or more for illnesses or hereditary conditions
This means you can’t buy insurance after your pet falls sick and expect to be covered immediately.
5. Premiums Depend on Multiple Factors
Your monthly or yearly premium is calculated based on:
- Pet’s age, breed, and size
- Type of coverage
- Claim history
- Optional add-ons and excess level
Pedigree pets and larger breeds usually cost more to insure, as they are more prone to hereditary or joint issues.
6. Premiums Will Increase as Your Pet Ages
Insurers in Singapore often raise premiums annually, especially after your pet turns 7 or 8. This reflects the higher risk of illness or injury with age. Planning ahead by starting early helps keep premiums manageable and ensures broader coverage.
7. Not All Conditions Are Covered
Most policies exclude pre-existing conditions, elective treatments (like cosmetic surgeries), and conditions arising during the waiting period. Always read the policy wording carefully to know what’s included—and what isn’t—before you buy.
8. Claims Are on a Reimbursement Basis
Unlike some overseas insurers, pet insurance in Singapore works on a reimbursement model. You’ll need to pay the vet bill first, then submit a claim for reimbursement—usually within 14–30 working days, depending on the provider.
9. You Can Customise Plans and Save with Multi-Pet Discounts
Some insurers allow you to customise your plan with add-ons like dental, travel, or multi-pet discounts (usually 5–10% per additional pet). Bundling policies with the same provider may also make claims and renewals more seamless.
10. Dental and Routine Care Are Often Excluded
Standard pet insurance plans in Singapore typically do not cover routine check-ups, dental cleaning, grooming, or vaccinations—unless you add a wellness rider (if offered). Always check the fine print if you want coverage for everyday care.