COMPARE OPTIONS IN MINUTES AND FIND THE BEST PLAN FOR YOUR PET
ENJOY PROTECTION FOR YOUR FURRY FRIENDS FROM AS LOW AS $10 PER MONTH
Compare quotes from over 15 trusted pet insurers.
Easily search and compare multi-pet insurance plans.
An Otter-ly Simple Way to Compare PET INSURANCE
Simple Questions, Smart Quotes
Just answer a few quick questions about your pet. We’ll do the hard work and find the interior designer for you.
Fast, Easy Comparisons
No more jumping between websites or firms. We’ll share your best personalised quotes from Singapore’s trusted insurers.
100% Free to Use
Our comparison service is completely free. Our goal is simply to help you find the best deal, with no hidden costs.
WHY SHOULD I TAKE OUT PET INSURANCE?
You don’t legally have to insure your pets, but it’s something responsible pet owners should consider.
Most cats and dogs will unfortunately need treatment for an illness or injury at some point in their life, and veterinary treatment can be extremely expensive. According to recent data, treatment for common knee problems in dogs and cats can cost between SGD 3,500 to SGD 7,000. For diabetes treatment, the vet bill can reach around SGD 2,300.
What would you do if you were faced with a vet bill for hundreds or thousands of dollars?
Pet insurance can give you peace of mind that you’ll be able to cover the costs of medical treatment should something happen to your pet. It’s clear more pet owners are turning to insurance to help keep their furry friends fit and healthy, while also protecting their hard-earned money.
PET COVER PROTECTS MORE THAN YOUR FURRY FRIEND
According to recent data in Singapore, the average pet insurance payout in 2023 was about 50% higher than the average policy cost. Protect your pet and your finances with the right coverage for you.
KEEP YOUR PET SAFE AND YOUR MIND AT EASE
Whether it’s your cat or dog, pet insurance in Singapore helps cover vet bills and gives you peace of mind for their whole life.
DOG INSURANCE
Protection for your pooch, whatever the shape or size. This insurance can cover injuries, illness and third-party losses.
CAT INSURANCE
Cover your pampered Persian or cuddly moggy. You can take out cat or kitten insurance can be taken out for indoor or outdoor cats, to cover all sorts of scenarios that might end in a vet visit.
PET INSURANCE POLICY TYPES
There are four main types of pet insurance – you just need to decide on the right one for you and your pet.
To help with this decision, think about what you want from your pet insurance. Accident only or time-limited cover is better for expensive, short-term incidents and illnesses. Lifetime and maximum benefit can help cover the cost of treatment for single conditions that go on for many years.
1. Lifetime
Lifetime pet insurance pays for injuries or illnesses with no time limit on each condition. There’s usually a limit on the amount you can claim in a year for each condition though.
As long as you keep renewing your policy, you’ll get continuous cover for the illness or injury each year that your policy is in place.
You’ll only be covered for new illnesses or injuries, not pre-existing ones.
2. Accident-Only
Accident-only pet insurance helps cover the cost of treatment if your pet is involved in an accident.
It doesn’t cover illnesses, diseases or have any other benefits.
If your pet has a pre-existing condition, it won’t be covered either.
3. Time-Limited
If you pick a time-limited policy, there’ll be a cap on how much you can claim for treatment and a time limit too – usually 12 months.
You can’t claim again for a condition after the 12-month period is up, or if you reach the cap on treatment costs – whichever comes first.
Pre-existing conditions aren’t covered either.
4. Maximum Benefit
This covers your pet for each injury or illness up to a specified limit.
The limit doesn’t reset each year, so there’s no time limit on how long you can claim, like with an annual policy.
This means you can keep claiming for the same condition until you reach the limit, for as long as you keep renewing your policy.
WHAT DOES PET INSURANCE COVER?
It depends on the type of policy you go for, but as well as veterinary treatment for accidents and/or illnesses policies often cover:
WHAT DOES PET INSURANCE COVER?
Diagnostic Costs for Illnesses
Includes expenses for consultations, examinations, tests, X-rays, MRIs, medication, bandages, surgery, and hospitalisation.Euthanasia
Covers the cost of putting your pet to sleep when necessary to prevent further suffering.Third-Party Liability (Dogs Only)
May cover legal costs if your dog causes injury to someone or damage to property.Alternative Therapies
Covers treatments such as hydrotherapy or acupuncture, if referred by your vet.Advertising Costs for Lost Pets
Pays for posters and advertising to help find your lost pet. Some policies may also include a reward for safe return.Boarding Fees
Covers kennel or cattery costs if you’re hospitalised for emergency medical treatment. A minimum hospital stay is usually required to qualify for a claim.
WHAT’S TYPICALLY NOT COVERED?
Vaccinations, Routine Check-Ups, and Preventative Treatments
You’ll need to pay out of pocket for routine vet visits, vaccinations, and preventative treatments like flea and worm control.Neutering and Pregnancy
Costs related to castration, spaying, pregnancy, and giving birth are generally not covered.Pre-Existing Conditions
Any health issues your pet showed signs of before your policy started won’t be covered. However, if the condition first arises while you’re covered under a lifetime policy, ongoing treatment may be included—as long as you keep renewing the policy without interruption.Dental Treatment
Routine dental procedures such as scaling, polishing, and tooth extractions are usually excluded. Most policies only cover dental treatment in emergencies caused by accidents.Cremation and Burial Costs
While some policies cover euthanasia, cremation or burial expenses typically need to be paid by you.
HOW DO I GET A PET INSURANCE QUOTE?
1. ENTER YOUR DETAILS
Click “Get started” and pop in some details about you and your pet – name, age, address, cover type, medical conditions and so on.
2. RECEIVE POLICIES
Compare the features and prices of different policies to find one that works for you.
3. CHOOSE THE BEST PLAN
Choose the cover you like and give your pet the protection they deserve.
HOW MUCH IS PET INSURANCE?
For dogs aged one to five, the average cost of pet insurance in Singapore starts from around S$300 to S$600 per year, depending on the level of coverage. For cats, premiums are generally lower, starting from about S$200 per year.
As your pet gets older, premiums typically increase. However, age is just one of several factors that insurers consider when determining your premium:
Type of Coverage
Plans range from comprehensive lifetime coverage (which includes illnesses, accidents, and ongoing conditions) to accident-only plans, which are more affordable but offer limited protection.Pet’s Breed
Pedigree breeds often come with higher premiums due to their higher market value and increased risk of hereditary health issues.Previous Claims History
If you’ve made past claims on your pet insurance, especially for chronic conditions or large medical bills, your renewal premium may be higher.
PET INSURANCE PAYOUTS ARE HIGHER THAN EVER
According to the Singapore Pet Insurance Association, claims payouts have been steadily increasing in recent years due to rising veterinary costs. With vet bills in Singapore often reaching thousands of dollars, can you comfortably afford to pay out of pocket for your pet’s healthcare?
HOW DO I MAKE MY PET INSURANCE CHEAPER?
Try these top tips to get those premiums down:
1. Keep your pet healthy
Make sure your pet’s vaccinations are up to date, get them microchipped and feed them a quality diet. Healthy pets visit the vet less, which means less chance of needing claim which could push up future premiums.
2. Multi-pet cover
Put your pets on one policy to see if you can get a better deal.
3. Think about co-insurance
Pet co-insurance can keep premiums affordable for older pets.
4. Compare pet insurance
Always shop around to find a great deal.
5. Check your excess
If you can pay a higher excess towards each claim, your premiums should be cheaper. Be careful though – make sure the excess is still affordable for you if you do need to claim.
6. Keep an eye out for age limits
Some cheaper policies might not cover pets over a certain age, which could end up costing you more in the long run.
DOES PET INSURANCE COVER PRE-EXISTING CONDITIONS?
Most pet insurance plans in Singapore don’t cover pre-existing conditions, meaning any illness or injury your pet had before the policy starts — or during the waiting period — typically won’t be covered. However, there’s a notable exception for certain congenital or hereditary issues (like hip dysplasia or cherry eye) with Happy Tails (Income/AON) — but only if:
- You insure your pet before age 6,
- The condition shows no symptoms before you sign up.
- You wait out the 12-month waiting period after enrolment.
⚠️ Aside from that narrow category, cured or existing conditions (like allergies, past injuries, chronic illnesses) remain excluded forever.
FREQUENTLY ASKED QUESTIONS
Most providers cover dogs and cats only. Exotic pets like rabbits, birds, or reptiles are not commonly covered.
No — routine care like vaccinations, dental cleaning, sterilisation, and grooming are not covered. These are considered maintenance.
No. Pre-existing conditions are excluded. Some plans (e.g., Happy Tails) may cover selected hereditary conditions — if your pet is symptom-free at sign-up and under age 6.
Most insurers allow you to enrol pets between 8 weeks to 7 years old. Coverage can often continue for life once enrolled.
Yes — most plans allow you to visit any AVS-registered vet in Singapore. Just keep all receipts for claims.
WANT TO KNOW MORE?
by Finspire
8 min read
by Finspire
9 min read
by Finspire
8 min read
Click Here For More Pet Insurance Guide