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What is Pet Insurance?

Pet insurance is an insurance policy for cats and dogs that help reduce the overall cost of unexpected, hefty veterinary bills. It acts as a financial safety net for pet owners as it covers veterinary expenses either entirely or in part.

Like health insurance for humans, there is usually an out-of-pocket deductible payment that you have to pay before the policy begins its coverage. After deductibles, most pet insurance policies reimburse up to 80% of costs.

In Singapore, pet insurance coverage ranges by insurance provider and plan. Usually, most pet insurance policies will cover:

  • Physical accidents (E.g. Poisoning, Cuts, Fractures)
  • Surgical treatment
  • Non-surgical treatments
  • Cancer treatments
  • Post-surgery treatment and care
  • Chemotherapy
  • Vaccinations
  • Spay/neuter operations
  • Third-party liability
  • Theft (If your dog goes missing due to theft)

There are some things that you have to take into account before getting pet insurance. Firstly, you have to take into account the age of the pet. Some pet insurers will not insure your pet if your pet has passed a certain age, and most insurers' age limit for new policies is ten years old.

Purchasing insurance early also guarantees lower monthly premiums. After your pet crosses a certain age, you will have significantly fewer policies to select. Moreover, these policies are normally more expensive and do not cover pre-existing conditions.

Secondly, you have to consider if your pet breed is insurable, and pet Insurance only covers specific breeds of cats and dogs.

To know more about which pet insurance plan suits you, please fill in your information in the quotation above.

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