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Pet insurance in Singapore: Comparison guide

If you’ve just welcomed a furry friend into your home, you may be considering buying pet insurance. After all, they are family, right? And if you believe in health insurance for yourself and your loved ones, why should your furkid be any different?

Unfortunately, while there are many insurers and plans for people, there are only a few pet insurance companies in town. Furthermore, there are quite a few limitations to the coverage scope which you should think through before committing.

Here’s a comparison guide to help you decide if paying for pet insurance is really worth it.


What does pet insurance cover and what doesn’t it cover? 

As mentioned, pet insurance does have limitations. Firstly, pet insurance plans in Singapore may not cover your pet for every trip to the vet. The more affordable ones typically only cover accidental death, accidental injury and third party liability (i.e. if your pet damages someone else’s property).

Not only that, for medical bills that are claimable, there is usually a copayment or deductible which can be a percentage of the bill (e.g. 70%) or a lump sum (e.g. $3,000).

Additionally, not all pets qualify for insurance coverage. Pet insurance plans in Singapore only cover selected dog and cat breeds, and many times, they must be microchipped. That means if your furkid is a hamster, rabbit, guinea pig, bird, fish, etc, there is currently no insurance plan for them.

Singapore pet insurance plans are also typically term life plans, which cover your cat or dog up to a certain age (say, 13 years old for example). So if, touch wood, something bad happens after the term, you’ll need to bear the cost. 


Pet insurance plans in Singapore

With these in mind, let’s compare the four pet insurance plans available in Singapore. 

Liberty pet insurance (PetCare for dogs and cats) 

Let’s start with Liberty’s PetCare pet insurance plans for dogs and cats. 

Liberty pet insurancePetCare standard planPetCare enhanced planPetCare superior plan
Annual premium$350$450$750
Accidental death$1,000$2,000$3,000
Accidental injury ($50 deductible)$500$750$3,000
Medical benefit for illness (50% co-insurance)$500$750$3,000
Medical benefit for surgery and treatment (30% co-insurance)$1,500$2,000$10,000
Third party liability ($500 deductible)$100,000$250,000$500,000


✔️ Pros:

  • Three plans to choose from, depending on preferred coverage level and budget  
  • Comprehensive coverage
  • Includes medical benefit for illnesses, although 50% must come out of your pocket first 
  • No Claim Discount (NCD) available too (5% one year, 10% for two years, 15% for three years) 
  • No breed exclusions

❌ Cons:

  • Expensive annual premium
  • Cats must be microchipped too 
  • No funeral or burial benefit 
  • High co-insurance and/or deductibles 


  • Must microchip (cats too) 
  • Pet must be between 8 weeks to 9 years old at enrolment
  • Cannot be working dog (e.g. guide or guard dog) 
  • Cannot be breeding dog or cat 

AIA pet insurance (Paw Safe for dogs) 

Next, there’s Paw Safe by AIA, but it’s only for dogs. 

AIA pet insurancePaw Safe plan
Annual premium$79.49 (with microchip) / $84.58 (no microchip)
Accidental death$1,000 or purchase price (whichever lower)
Medical benefit fo accidental injury ($150 deductible)Up to $1,000
Theft ($250 deductible)$1,000 or purchase price (whichever lower)
Cremation or burial expenses due to accidental deathUp to $250
Third party liability ($1,000 deductible)Up to $1,000,000


✔️ Pros:

  • Value for money  
  • Good coverage for the premium price
  • High payout for third-party liability and theft 
  • Not compulsory to microchip 

❌ Cons:

  • No medical benefit for vet bills
  • Cats not eligible 
  • Coverage until 8 years old only
  •  Dog breed exclusions apply 


  • Dog between 3 months to 7 years old at point of application 
  • Dog must be a mastiff, bull terrier, staffordshire bull terrier, pit bull terrier, American pit bull terrier, Argentina dog, canary dog, American bulldog or any of their crosses, or be crossed with wolves.  

MSIG / AON pet insurance (HappyTails for dogs and cats)

Another popular one is HappyTails by AON, underwritten by MSIG. Note that the benefits below exclude the deductible of $250 and co-insurance payments of 20% to 40% depending on your pet’s age at enrolment. 

MSIG / AON pet insuranceFur (for dogs)Furry (for dogs)Furball (for dogs)Purrfect (for cats)
Annual premiumDepends on your pet
Medical benefit for surgery and treatment (30% co-insurance)$2,500$6,000$10,000$3,800
Post-surgery treatment benefit$150$300$500$200
Chemotherapy benefit$1,000$1,500$2,500$1,200
Final expenses benefit (euthanasia, cremation, funeral)$250$250$250


✔️ Pros

  • Covers chemotherapy 
  • Comprehensive coverage for surgical medical bills (surgery, diagnostic tests, hospitalisation, post-surgery treatment) 
  • Covers selected hereditary and congenital conditions 
  • Has No Claim Discount (NCD): 5% first year, 10% second year, 15% third year onwards  

❌ Cons

  • Expensive 
  • High co-insurance of 20% to 40% 
  • High deductible of $250 
  • No medical benefit for non-surgery illnesses
  • No third party liability 
  • Doesn’t cover accidental death and/or theft 


  • Pet must be between 16 weeks to 9 years old
  • Must be microchipped 
  • Must have completed all vaccinations 
  • Cannot be working dog (e.g. guide or guard dog) 
  • Cannot be breeding dog or cat 
  • Must be clinically examined by their licensed vet within 30 days of the start of the policy 

CIMB pet insurance (My Paw Pal for cats and dogs) 

Finally, there’s My Paw Pal by AppearanceCIMB for cats and dogs.

CIMB pet insuranceMy Paw Pal basic plan
Annual premium$74.90
Accidental death$1,500
Medical benefit for accident or illnessUp to $3,000 per year
Cremation or burial due to accidentUp to $300
Third party liabilityUp to $250,000
Optional add-ons
Dog theft (+$32.10)Up to $1,500
Cremation or burial due to illness (+$321)Up to $3,000 per year


✔️ Pros:

  • Affordable annual premium 
  • Has optional add-ons for those who want it 

❌ Cons:

  • Medical benefit requires minimum $100 bill 
  • Theft add-on not applicable for cats 


  • Pet must be 12 weeks to 7 years old
  • Must be microchipped (cats too) 
  • Dogs must be licensed with AVS
  • Cannot be working dog (e.g. guide or guard dog) 
  • Cannot be breeding dog or cat 

Which pet insurance should you choose?

Although there are only four pet insurance plans in Singapore, it’s quite tedious to compare their benefits and the fine print. To help you, here’s a quick round up of the above-mentioned plans and who they’re most suitable for.

PetCare by Liberty is quite comprehensive so it’s good for pet owners who want to cover the most ground. There are also no breed exclusions, so if you have say, a mastiff, you can still buy this plan. You get what you pay for though: PetCare premiums are considered expensive, going up to $750 for the Superior plan. Not forgetting the deductibles and coinsurance payments that you’ll need to fork out first.

HappyTails by AON insurance is also very comprehensive, but only for the serious medical bills. In fact, it’s the only one that covers cancer and chemotherapy, as well as selected pre-existing and hereditary diseases. Strangely though, it does not cover ‘normal’, non-accidental illnesses that don’t require surgery. There’s also no third party liability, accidental death and/or theft coverage. Again, it’s considered expensive. The premiums are in the hundreds, and vary depending on your pet’s age, breed and level of coverage you pick.

Paw Safe by AIA and My Paw Pal by CIMB are the more budget-friendly options, both with premiums under $80 per year. As expected for the price point, the coverage is more bare bones and the benefit sums lower. Of the two, My Paw Pal seems slightly better: Paw Safe by AIA does not cover cats, and covers dogs up to 8 years old only. 

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