top of page

The Ultimate Guide To Pet Insurance In Singapore 2024

As veterinary fees rise, an increasing number of pet owners are turning to pet insurance. These policies help offset costs resulting from injuries arising from accidents or damages caused by their pet, enabling paw parents to save money.

The primary purpose of a pet insurance plan is to assist in covering substantial medical bills. With assistance in shouldering eligible medical expenses:

  • Your pet receives timely treatment because you can afford it.

  • You may be able to seek better quality healthcare for your pet.

  • You can focus on being there for your pet without worrying too much about the bills.

An Overview of Pet Insurance Policies in Singapore

Ensuring your pet stays happy and healthy is crucial. However, unforeseen health issues, illnesses, or accidents may necessitate a visit to the vet for treatment. If you find yourself surprised by unexpected bills, consider getting pet insurance in Singapore to handle future expenses and alleviate the financial strain of costly vet fees.

Grant yourself peace of mind regarding your pet's well-being by exploring pet insurance options in Singapore. Let's briefly examine what these insurance policies encompass:

  • 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.

  • 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.

Why Should You Think About Getting Pet Insurance in Singapore?

If you care about your pet's well-being and want to safeguard their health in the long run while reducing potential hefty expenses, consider getting pet insurance in Singapore. If you're still unsure, take a look at the aspects you should think about. These factors for considering pet insurance in Singapore include:

  1. Pets prone to accidents

  2. Increased likelihood of illness with age

  3. Expenses for third-party liabilities due to aggression and harm

  4. Breeds more susceptible to illnesses

  5. Past medical illnesses

  6. Breeds prone to wandering or straying

  7. Costs

If any of these factors apply to your situation, it is recommended to apply for pet insurance in Singapore.

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 / (Direct whatsapp link)

Pet/s: Dogs

Eligibility Requirements:

 Pets aged 2 months to 9 years old


 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: Direct whatsapp link

Pet/s: Dogs and Cats

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 Direct whatsapp link

Email: -

Pet/s: Dogs and Cats

Eligibility Requirements:

Pets aged 8 weeks to 9 years old


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 / Direct whatsapp link

Pet/s: Dogs

Eligibility Requirements: 

Pets aged 3 months to 7 years old 


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.

If you are wondering, as of 2024, my pawpal by CIMB has ceased their pet insurance and therefore not part of the list! 

If you like any of the pet insurance options in Singapore mentioned above, feel free to reach out to them or visit in person to talk about plans that work for your pets and fit your budget.

If you find it overwhelming just by choosing the options, why not speak to a dedicated pet insurance agent that can guide you through the process? Sign up via this link and get a free Personal Accident Insurance.

Secure your pet's future by investing wisely now and avoid the stress of hefty veterinary expenses that could arise from unexpected accidents, health issues, surgeries, injuries, or unfortunate events like death. Take a proactive step and apply for pet insurance in Singapore today! Explore the different coverage options available, carefully considering each aspect. After evaluating the factors, choose the pet insurance plan in Singapore that aligns with your and your pet's specific needs and conditions. Benefit from comprehensive coverage, including copayments and deductibles, ensuring significant savings for you 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.


29 views0 comments


bottom of page