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Compare
and buy the best
pet insurance
in Singapore

Save money and secure your pet’s health

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.
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
IM 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
IM 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 IM Pet Insurance.
Both Surgical And Non Surgical Covered
Insurance Market
Find a policy that offers comprehensive benefits of both surgical and non-surgical. IM Pet Insurance cover up to 10k and 3k on eligible vet claims respectively.
Frequently Asked Questions

Why do I need to buy a Pet Insurance?

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

 


What are the eligibility criteria for buying Pet Insurance from Insurance Market Singapore?

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)

What are the main benefits of Pet Insurance plans from Insurance Market (IM PetCare Exclusive Plus)?

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.

 

 


How do you find out whether a particular disease is Hereditary or congenital?

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.


Is Chemotherapy covered?

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.


What are the different pet insurance plans offered by Insurance Market (underwritten by Liberty)?

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.


What is the maximum renewal age for Liberty Petcare policy?

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.


What are the major exclusions?

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

What is No Claim Discount (NCD) for Pet Insurance Plan from Liberty for Insurance Market PetCare?

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.

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

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Why I should choose Insurance Market PetCare over AON Pet Insurance also called as Happy Tails?

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.


How is AIA Pet Insurance different from Insurance Market PetCare?

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.


What is the difference between CIMB Pet insurance also called as My PawPal and Insurance Market PetCare?

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).


What is the current Promotion on Liberty Pet Insurance / Insurance Market Pet Insurance?

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


How to make claim from Liberty ?

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

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.

 

 


What is Wellness Cover in IM Pet Insurance ?

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.

 

 


What is the maximum renewal age for IM Pet Insurance?

Lifetime cover is offered.


Why I should choose IM Pet Insurance over Liberty Pet Insurance also known as Petcare?

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.


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