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4 Best Pet Insurance In Singapore 2025

Updated: 2 days ago



Keeping your pet happy and healthy is every owner’s top priority. But sometimes, unexpected illnesses or accidents happen, and vet bills can add up quickly. If you've ever been caught off guard by a sudden expense, it might be time to consider pet insurance in Singapore.


The main goal of pet insurance is to help cover large medical expenses. These policies can ease the financial burden and make it easier to care for your pet without breaking the bank. With the right plan in place, you can:


  • Get your pet the treatment they need, when they need it

  • Have access to better quality care and more treatment options

  • Focus on supporting your pet, not stressing over the bills


In this guide, we’ll walk you through everything you need to know about pet insurance in Singapore—from what it typically covers and the key factors to consider, to a list of some of the most popular providers available.


What Does Pet Insurance Policies in Singapore Cover?



Pet insurance offers peace of mind by covering a range of medical needs. Here’s a quick look at what these plans typically include:


Medical Expense Coverage

Pet insurance in Singapore assists in covering veterinary medical expenses arising from unforeseen sicknesses and situations, such as accidental injuries, dental illnesses, theft, death, and damages for which a third party is liable.


Coverage for Specific Cat and Dog Breeds

Whether you have a dog or a cat, pet insurance covers them. However, certain breeds or species are excluded from the coverage, and it does not extend to pets like rabbits, hamsters, birds, or fishes.


Coverage Limited to Pets Up to 13 Years of Age

While humans can obtain lifetime insurance, pets are limited to coverage from weeks old up to 13 years of age. Plan ahead for expenses related to care and burial once the pet insurance period concludes.


Applicable Only for Microchipped Pets

Since microchipping is mandatory for all pets, ensure your pet has one before applying for pet insurance. Microchipping provides a unique identification number, facilitating the registration process for pet insurance in Singapore.


If your pet isn't microchipped, you can now get it done easily with our housecall microchipping service, right in the comfort of your home.


Includes Copayments or Deductibles

Pet insurance policies incorporate copayments or deductibles, covering up to 80% of vet bills, with the policyholder responsible for the remaining amount.


Best Pet Insurance Policies in Singapore


1. PetCare by Marsh (underwritten by Liberty Insurance)



Marsh PetCare offers paw parents comprehensive coverage to provide them with financial protection when their pets incur medical and surgical expenses. This policy covers up to 70% of eligible vet bills and offers policyholders a no-claim discount of up to 15%. PetCare also covers third party liabilities arising from dog ownership, accidental death and injuries, theft, and medical expenses arising from illness or accident.


Phone: +65 6922 8388 / https://wa.link/4clbi9 (Direct whatsapp link)

Pet/s: Dog Insurance

Eligibility Requirements:

✓ Pets aged 2 months to 9 years old

✓ Microchipped

✓ Living with pet

✓ Non-working pet

✓ Pet not used for breeding


2. Happy Tails by AON (Underwritten by Income Insurance Limited)



If you’re looking for a pet insurance that offers lifelong coverage for dogs and cats, consider applying for Happy Tails. Happy Tails is an online pet insurance designed to protect pet lovers from the unexpected costs of medical treatments. It’s the only pet insurance in Singapore that offers lifetime coverage for your pets. The lifelong coverage also includes accidents and hereditary and congenital conditions such as cherry eye and elbow dysplasia. Owners are given 3 plan options. Depending on the age and the health status, the higher-tier plans are more expensive to be able to enjoy more high coverage benefits.


Address: 2 Shenton Way, #26-01, Singapore 068804

Phone: https://wa.link/4clbi9 Direct whatsapp link

Pet/s: Dog Insurance and Cat Insurance

Eligibility Requirements:

✓ Pets aged 4 months to 9 years old

✓ Microchipped and licensed

✓ Fully vaccinated

✓ Sterilized or not used for breeding

✓ Non-working pet


3. Insurance Market Pte Ltd



If you have a dog breed listed in the specified dogs category, Insurance Market provides pet insurance along with a Banker's guarantee (Bonds). They also have various plans that include coverage for illnesses, surgeries, theft, the passing of your pet, and liabilities involving third parties.


Address: Oxley Biz Hub 1, #09-08, 67 Ubi Road 1, Singapore 408730

Phone: (65) 6908 1811 https://wa.link/4clbi9 Direct whatsapp link

Email: -

Pet/s: Dog Insurance and Cat Insurance

Eligibility Requirements:

✓ Pets aged 8 weeks to 9 years old

✓ Microchipped

✓ Living with pet

✓ Non-working pet

✓ Pet not used for breeding

✓ Residing in non-hdb premises (for cats only)


4. AIA Singapore Private Limited



The AIA Paw Safe stands out as one of the most popular choices, providing comprehensive coverage for pets prone to accidents, third-party liability, and even theft. This insurance plan ensures that you and your dog are protected against life's unexpected and unfortunate turns. AIA Paw Safe covers all types of dogs, it need not be a pedigree.


Address: 1 Robinson Road, AIA Tower, Singapore 048542

Phone: 1800 2488000 / https://wa.link/4clbi9 Direct whatsapp link

Pet/s: Dog Insurance

Eligibility Requirements: 

✓ Pets aged 3 months to 7 years old 

✓ Licensed 

✓ Breeds not allowed:  Mastiffs, Bull Terrier, Staffordshire bull terrier, Pit Bull Terrier,

American Pit Bull Terrier, Argentina Dog, Canary Dog, American Bulldog, or a dog

crossed with any of these breeds and/or wolves.


What To Consider When Getting Pet Insurance in Singapore


If you’re thinking about pet insurance, it’s best to start while your pet is still young and healthy. Most insurance providers won’t offer new coverage for senior pets or those with pre-existing conditions, so planning early can make a big difference.


Here are some key factors to think about when deciding if pet insurance is right for you:


  1. Your pet is active and prone to accidents

  2. Your pet's breed is more likely to develop health issues and are more susceptible to illnesses

  3. Your pet has had past medical illnesses

  4. You’d like coverage in case your pet causes harm or injury to someone

  5. You want peace of mind as your pet ages, without surprise medical costs


Getting pet insurance is a smart way to prepare for the unexpected. From sudden illnesses and accidents to surgeries or even more serious situations, having coverage means you won’t have to stress over large vet bills when your pet needs care the most.


So take that proactive step today and look into the coverage options available in Singapore, and choose a plan that works best for you and your pet. Many plans cover common costs like copayments and deductibles, which can save you a lot in the long run.


For more pet care tips and guides, follow us on Facebook, Instagram, and TikTok. Pawkit connects Singapore pet owners to a variety of pet-related resources and services. Get everything you need in one place, from the latest pet care tips to your pet’s details and medical history, as well as a directory of on-demand pet services in your area, such as veterinarians, groomers, and daycare.




 
 
 

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