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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 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. 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

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

1. Covers up to 70% of eligible vet bills arising from illness or accidents, up to S$10,000 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. Toll-free Helpline 1800-LIBERTY (5423 789)
7. No Claim Discount of up to 15% to reward healthy pets
8. Cover starts from less than S$1 a day

Read more about Pet Insurance plans from Liberty.

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

Learn more about Pet Cancer and its Treatment.

The three pet insurance Singapore plans offered by Liberty are Standard, Enhanced, and Superior. 

Read more about   Pet Insurance plans from Liberty.

Once the pet is under insurance it is covered till the age of 13 years. After this Liberty will not renew the Pet insurance.

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 on renewal. Refer to the table below.

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Liberty Pet Insurance vs AON Pet Insurance also called as Happy Tails

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 vs Liberty Pet Insurance

Its 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 Pet Insurance covers both surgical and nonsurgical 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 sold 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.

Currently Insurance Market is giving 20% OFF on all  Pet Insurance plans Singapore from Liberty.

To make a claim from Liberty regarding Pet 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.