Insurance Market
Bubble1 Best
Bubble1 Best
Bubble1 20%

up to 70%
of eligible
vet bills

arising from illness or accidents up to $10,000 each year

Pet Insurance useful tips
Check out all the exclusions!
Many policies exclude diseases and conditions that specific breeds are prone to.
Microchipping is required.
It is a requirement that your pet be microchipped for most policies.
Accidental Death and Injury.
Most of the Pet insurance plans cover accidental death and injuries. Check out the coverage limits and benefits for the same before you buy Pet insurance policy in Singapore.
Surgical vs. non-surgical cover.
Some policies cover eligible outpatient bills, as illnesses don’t always require surgery to be treated.
Safeguarding Our Best Companion!
No Medical Required
Insurance Market
Liberty Pet Insurance do not require your pet to undergo any medical examination to be eligible to buy insurance .Your pet should be just microchipped and aged be between 8 weeks and 9 years when entering into the insurance. Coverage can be extended to 13 years of age.
Covers All Breeds
Insurance Market
Liberty Pet Insurance provide financial protection should you incur medical and surgical expenses due to illness or accidents for all the breeds of dogs and cats including mixed breeds.
Choose Any Vet
Insurance Market
You can choose any vet throughout Singapore. Pay to the vet first and claim later by just filing the claim form and attaching all the original documents to Liberty Pet Insurance.
Both Surgical And Non Surgical Covered
Insurance Market
Find a policy that offers comprehensive benefits of both surgical and non-surgical. Liberty Pet Insurance cover up to 10k and 3k on eligible vet claims respectively.
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Frequently Asked Questions
Pets are our family members but unfortunately like our family members, they may fall sick, get injured or meet with an accident. We have medical insurance while there is pet insurance for our pets. When the pet is stolen or lost, there are costs involved in search & retrieval of our pet. Pet Insurance can help with the costs involved.

The Insured Pet must:

  • Be micro-chipped
  • Be residing regularly in the same premise as you
  • Be at least 8 weeks old and not more than 9 years old at the enrolment date
  • Not be a working dog. Example: guide dog, guard dog
  • Not be a dog or cat used for breeding purposes

Major Exclusion

  • Theft arising from any intentional, neglectful or preventable act
  • Liability arising from any intentional, neglectful or preventable act
  • Pre-existing, Hereditary, Congenital and Skin Conditions
  • Day to day care. Example: vitamins, supplements, vaccinations, training, grooming
  • Damage to teeth and gums unless as a result of an Accident
  • Illness related to endoparasites or ectoparasites, hip dysplasia, rabies
  • Elective procedures and treatments. Example: nail clipping, tail docking, debarking

Yes Chemotherapy is covered .Chemotherapy is surgical if it follows and excising of the tumor. If there is no surgical procedure (ie nothing is cut out or removed) then it is medical.

Congenital is present at birth, hereditary is passed down through generations. As there is extensive literature on these conditions, especially with pure breeds, we would not de facto accept a vet certification if the preponderance of evidence available in the medical literature contradicts the vet. I would refer the applicant to PubMed, Cochrane, UptoDate, Milliman, J of Veterinary Internal Medicine for our sources.

These conditions are hereditary and are not covered, even if the vet says they should be bone or joint conditions associated with hip dysplasia or any associated luxation or subluxation; elbow dysplasia; patellar luxation or subluxation; osteochondritis dissecans or any fracture, luxation or subluxation associated with aseptic, necrosis of a femoral head cervical vertebrae instability/wobbler syndrome.

Liberty Pet Insurance does not need any medical examination while AON Pet Insurance needs a medical examination of Pet before buying the policy. Liberty Pet insurance covers both non-surgical and surgical expenses while AON Pet Insurance or Happy Tails Pet Insurance covers only surgical expenses.
AIA Pet insurance covers only accidental death and injuries benefits while Liberty Pet Insurance also called as Liberty PetCare Insurance is a comprehensive policy which covers accidental benefits as well as benefits related to Illness including surgical and non surgical benefits.
CIMB Pet Insurance does not cover surgical expenses while Liberty covers both surgical and non-surigical expenses. CIMB Pet Insurance is the newest Pet insurance and therefore there are a lot of grey areas in the Policy document which yet to be verified, Liberty Pet Insurance is the oldest and most sellable Pet Insurance in Singapore.CIMB Pet Insurance requires the minimum bill to be 100 dollars for the customer to claim while Liberty Pet Insurance there is no minimum bill amount to claim.

If the policyholder does not claim, he is eligible for NCD up to 15% on renewal.Refer to the table below.

No Claim Period Discount Applicable
One year 5%
Two consecutive years 10%
Three consecutive years 15%
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