Feelings for our pets easily run high. We get to love them straight “out of the box” and they quickly become part of our family. To many, pets become real companions and dear friends no matter cat or dog. But, as it goes with friendships, this tie-up works 2 ways and also bestows a duty of care and responsibility upon us. A responsibility to look after our beloved canine when they need our help, care and support. After all, we share many of our peaks and troughs in life with them. Talking to them when we want and crying with them when we need, knowing they don’t judge us and them being there for us when we need them. Their presence feeds our souls.
One way to return the favour is to take care of them as best as we can, particularly when it comes to health issues. However, although less expensive than humans, the costs when they get sick or injured (or maybe even lost or stolen) can escalate easily potentially making it difficult to afford, so getting insurance for them may be worth having a look at. Besides the financial considerations, Pet Insurance for your dog or cat will also provide peace of mind knowing that if anything were to happen there are options available to you to help your friend through medical challenges and enjoy their presence as long as possible.
So what are we are looking at?
The cost of pet care in Singapore can quickly run high. Here is a list of charges for common treatments for cats or dogs to give you an idea:
- Vet Consultation: S$30 to S$60 (depending on timing)
- House calls: S$250 to S$400 (depending on location and public holiday)
- Bone fractures: S$2000 to S$4000 (excluding antibiotics, painkillers and IV drip)
- Gastrotomy: S$1800 to S$2500 (excluding antibiotics, painkillers and IV drip)
- General anaesthetic: S$100 to S$600 (depending on amount of time needed for the surgery or the procedure)
- Hernia repair & anaesthetic: S$900 to S$2500 (excluding antibiotics and painkillers)
- Tumour removal & anaesthetic: S$350 to S$600 (depending on the size of dog/cat and the number of tumours)
- Eye surgeries: S$500 to S$800 (excluding antibiotics, painkillers and hospitalisation)
- Ear surgeries: S$500 per ear (excluding antibiotics, painkillers and IV drips)
What can be insured?
In European countries, Pet Insurance has been very common for many years and typically there is a wide choice of providers and packages available. In Singapore, there are only a few providers, but with the increasing pet population it probably will not take long before more insurers will see the potential of this line of business and for them to add it to their product line. For now, there are 3 insurers in Singapore that have Pet Insurance. The insurances on offer are actually quite different, so if you consider buying pet cover we recommend to compare them on our site to get a good feel for the differences.
Also take note of the eligibility guidelines
Your pet must be micro-chipped (including a license number from AVA) and your cat or dog has to be residing at your address. Do note that some of the insurers exclude cover for certain dogs that are perceived to be potentially aggressive. Your dog does not need to be a pedigree to qualify for insurance.
The age of your pet also matters. Your pet must be at least 8 weeks for some insurers and generally not older than 7 to 9 years old. For a comprehensive cover, some insurers only provide cover only when the pet is at least 16 weeks old. When you go to our site and enter the age of your pet, we will automatically provide you with an overview of all eligible insurances (only) so we make sure you get the right insurance for your pet.
There is quite some difference between insurers when it comes to up to what age they provide cover. From what we have been able to find in Singapore it stretches from 8 years to lifetime cover.
Some insurers do not need the pet to be medically examined before enrolment. However, for comprehensive cover, your pet typically does need to be medically examined by a registered vet and all required vaccinations need to have been done. Your pet cannot have any pre-existing conditions or illnesses to qualify for comprehensive cover. Also, note that there are some general exclusions related to congenital and hereditary conditions.
So now you know about the terms, go to our site and check out the premiums for the various insurance plans for dogs and cats and make an informed decision about what you think the cover is that you would want for your best friend.