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Pet Insurance Singapore

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 also pet insurance for our pets. When the pet (dog only) is stolen, there are costs involved subject & to terms and conditions. Pet Insurance can help with the costs involved subject to terms and conditions. Read more about Pet Insurance

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
• Be residing in non-HDB premise (refer to cats only)

The main benefits of Pet Insurance Singapore Plan from Insurance Market ( IM PetCare ) are 

1. Covers the eligible vet bills arising from surgical treatment illness or accidents, up to S$7,000 each year
2. No medical examination required
3. Freedom to use any vet, anywhere in Singapore
4. Covers third party liability arising from owning the pet
5. Covers loss due to theft or accidental death
6. Covers Death of Pet for up to S$10,000
7. Covers Theft of Pet for up to S$3,000
8. Covers Third-Party Liability for up to S$1,500,000

Read more about the importance of Pet Insurance plans for every pet owner.

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.

Yes, Chemotherapy is covered. Chemotherapy is surgical if it follows an excision of the tumor. If there is no surgical procedure (ie nothing is cut out or removed) then treatment is considered as non-surgical.

Learn more about Pet Cancer and its Treatment.

The two pet insurance plans offered by Insurance Market Singapore are IM PetCare Exclusive, and IM PetCare Exclusive Plus . 

Read more about Pet Insurance Plans from Liberty/Insurance Market

What is the maximum renewal age for Liberty Petcare policy?

Once the pet is issued, the policy is renewable yearly till age 13 years. After this Liberty will not renew the Pet insurance.

Once the pet policy is issued, it is renewable yearly till age 13 years. After this, Insurance Market will not renew the Pet insurance Policy.

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

If the policyholder does not claim, he is eligible for NCD up to 15% for Pet Insurance Singapore plan upon renewal. Refer to the table below.

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Insurance Market PetCare vs AON Pet Insurance also called as Happy Tails

Insurance Market PetCare does not need any medical examination while AON Pet Insurance needs a medical examination of Pet when buying the policy. Insurance Market PetCare covers both non-surgical and surgical expenses while AON Pet Insurance or Happy Tails Pet Insurance covers only surgical expenses.

AIA Paw Safe Plan  provides only accidental death and injury benefits.

While Liberty Pet Insurance also known as Liberty PetCare Insurance is a comprehensive policy that covers both accidental and illness treatment expenses. Illness treatment expenses include both surgical and non-surgical.

CIMB Pet Insurance is designed to cover accidental expenses but comes with an option to include medical cover (subject to additional premium) while Liberty Pet Insurance is priced to cover both accidental and medical expenses ( surgical and nonsurgical ). CIMB Pet Insurance requires the minimum bill to be 100 dollars for a medical claim while Liberty Pet Insurance has no minimum bill size for medical claim review (co-insurance applies).

Any promotion deals would be updated on Insurance Market Portal from time to time.

For pet insurance claim submission to Liberty Insurance Singapore:

1. Download the form  Pet Insurance Claim form.

2. Please duly complete, print, and send the following form to Liberty with the supporting documents within 30 days from the date of accident:

3. Please mail the original documents (including original medical tax invoices) to us at 51 Club Street Liberty House Singapore 069428.

What are the main benefits of Pet Insurance plans from Insurance Market (Exclusive series)? 

1. Covers up to 70% of eligible vet bills arising from surgical treatment, up to S$20,000 each year
2. No medical examination required
3. Freedom to use any vet, anywhere in Singapore
4. Covers third party liability arising from owning the pet
5. Toll-free Helpline 1800-LIBERTY (5423 789)
6. No Claim Discount of up to 15% to reward healthy pets
7. Lifetime cover
8. Wellness cover

Read more about Pet Insurance plans from Insurance Market.

Yes, No waiting period and No deductible. Wellness Cover benefit includes treatment/procedures performed by the vet: 

1. vet examination
2. teeth cleaning/polishing
3. preventive treatment for parasites such as, but not limited to, fleas and heartworm
4. vaccines that improve the pet’s immune system
5. spay or neuter - this benefit is payable once during the life of the Insured Pet

In no event will coverage exceed the maximum Benefits Limits stated regardless of the number of claims made.

Lifetime cover is offered.

IM Pet Insurance vs Liberty Pet Insurance also known as Petcare

IM Pet Insurance offers lifetime cover while Liberty Pet Insurance offers coverage till age 13. IM Pet Insurance is designed with higher benefit yearly limits as compared to Liberty Pet Insurance. IM Pet Insurance has a unique benefit – Wellness Cover.