Updated July 2026. Pet insurance in Singapore protects your cat or dog against unexpected vet bills — from emergency surgery to third-party liability claims. With premiums starting from ~S$88/year for cats and ~S$250/year for dogs, the right plan can save you thousands when your furkid needs urgent care.
This guide compares every major pet insurance plan available to Singapore pet owners in 2026, including Liberty PetCare, Tiq by Etiqa, MSIG PawEasy, Income Happy Tails, and CIMB My Paw Pal — with real premium figures, coverage limits, and our honest take on which plans offer the best value.
TL;DR — Best Pet Insurance Singapore 2026
- Best overall value: MSIG PawEasy — up to S$20,000 surgical coverage, premiums from S$319/year (dogs) or S$128/year (cats), plus optional outpatient add-on
- Highest surgical coverage: Tiq by Etiqa — up to S$15,000 surgical limit on the top-tier plan, plus hereditary/congenital condition cover
- Most flexible plans: Liberty PetCare — five tiers from S$392/year, up to S$18,000 surgical and S$500,000 third-party liability
- Cheapest entry point: CIMB My Paw Pal — from S$74.90/year (accident-only), underwritten by Sompo
- Best for cashless claims: Income Happy Tails — up to S$22,000 in clinical/surgical benefits and nation’s first cashless surgery option
Why Pet Insurance Matters in Singapore
Singapore vet bills can be shockingly expensive. A single cruciate ligament surgery for a dog can cost S$3,000–S$6,000. Cancer treatment runs S$5,000–S$15,000+. Even a routine hospitalisation with IV drip and blood tests can set you back S$800–S$1,500.
Pet insurance works on a reimbursement model: you pay the vet bill upfront, submit a claim, and the insurer reimburses 70–80% of covered expenses (minus your deductible and co-insurance). Some plans, like Income Happy Tails, now offer cashless claims at partner clinics.
Beyond medical coverage, most Singapore pet insurance plans include third-party liability cover — critical if your dog bites someone or damages property. Liberty PetCare covers up to S$500,000 in third-party liability, which is especially important for HDB dwellers. For more on this, see our guide to pet public liability insurance in Singapore.
The key takeaway: insuring your pet early (ideally before age 2) locks in lower premiums and avoids pre-existing condition exclusions. A S$40/month premium at age 2 can become S$60–S$80/month by age 8.
2026 Pet Insurance Comparison Table
| Insurer | Plan Tiers | Annual Premium (Dog) | Annual Premium (Cat) | Max Surgical Cover | Third-Party Liability | Entry Age |
|---|---|---|---|---|---|---|
| Liberty PetCare | 5 tiers (Adogable to Pawsh) | From S$392/yr | From ~S$300/yr | S$18,000 | Up to S$500,000 | 8 weeks – 9 years |
| Tiq by Etiqa | 3 tiers | From S$355/yr | From S$296/yr | S$15,000 | Up to S$500,000 | 8 weeks – 9 years |
| MSIG PawEasy | 3 tiers (PawPat/PawRun/PawPlay) | From S$319/yr | From S$128/yr | S$20,000 | Included | 16 weeks – 9 years |
| Income Happy Tails | Multiple tiers | From ~S$350/yr | From ~S$200/yr | S$22,000 | Included | 16 weeks – 9 years |
| CIMB My Paw Pal | Basic + 2 Optional | From S$74.90/yr | From S$87.74/yr | Varies | Included (Basic) | 12 weeks – 7 years |
Premiums shown are indicative starting rates and may vary by breed, age, and selected coverage. Figures sourced from insurer websites as of July 2026.
Liberty PetCare Review
Liberty PetCare is one of Singapore’s longest-running pet insurance products and overhauled its lineup in January 2025, expanding from three tiers to five: Adogable (S$392/yr), Ameowing (S$505/yr), Furtastic (S$840/yr), Ultipaw (S$1,017/yr), and Pawsh (S$1,472/yr). All premiums include GST.
Key strengths:
- Up to S$18,000 surgical coverage and S$5,000 non-surgical medical per policy year
- S$500,000 third-party liability — the joint-highest in the market
- No restriction on which Singapore vet you visit
- No-claim discount of up to 15% after three consecutive claim-free years
- Minimum entry age of just 8 weeks
Watch out for: Co-insurance is 20–30% on surgical claims and 50% on non-surgical claims. Even on the Pawsh plan, you still shoulder a meaningful share of every bill. Benefit limits apply per incident and per policy year.
For a detailed head-to-head, see our Liberty vs MSIG vs Etiqa comparison.
Tiq by Etiqa Review
Etiqa’s Tiq Pet Insurance stands out for offering the highest surgical coverage in Singapore’s market — up to S$15,000 on the top-tier Pawfect plan — plus meaningful coverage for hereditary and congenital conditions, which most competitors exclude.
Key strengths:
- S$15,000 max surgical coverage (highest single-event limit)
- Up to S$3,500 for non-surgical medical and accidental injuries
- Hereditary/congenital condition coverage (e.g., hip dysplasia, luxating patella) — rare in Singapore
- S$50 accident deductible — significantly lower than rivals
- No-claim discount up to 20% (most rivals cap at 15%)
- No medical exam required for base coverage
Watch out for: Premiums start higher than MSIG at S$355/year for dogs. The congenital/hereditary add-on requires a clinical exam. Check the policy wording for breed-specific exclusions.
MSIG PawEasy Review
MSIG launched PawEasy in April 2025 and quickly became one of the most competitive options. With up to S$20,000 per annum for hospitalisation and surgery, it offers the highest aggregate surgical limit in the market.
Key strengths:
- S$20,000 annual hospitalisation and surgery coverage (market-leading)
- Cheapest cat insurance: from just S$128/year
- Competitive dog premiums from S$319/year
- Optional add-ons for outpatient medical, chemotherapy, and pet boarding
- Option to reduce deductibles to zero and halve co-payment
- Up to S$600 for post-surgery rehabilitation (acupuncture, physiotherapy)
- No-claim discount up to 15%
Watch out for: Entry age starts at 16 weeks (vs 8 weeks for Liberty/Etiqa). Maximum entry age is 9 years. Pets must be microchipped and fully vaccinated.
Income Happy Tails Review
Income Insurance’s Happy Tails plan offers up to S$22,000 in clinical and surgical benefits — the highest combined limit in Singapore. In late 2025, Income partnered with Beecroft Animal Hospital to launch Singapore’s first cashless pet surgery claims, a genuine game-changer for pet owners who dread paying large vet bills upfront.
Key strengths:
- S$22,000 total clinical + surgical coverage
- Cashless surgery claims at partner clinics (Singapore first)
- Chemotherapy coverage: up to S$2,500 (dogs) and S$1,200 (cats)
- Covers hereditary conditions: hip/elbow dysplasia, luxating patella, glaucoma, cherry eye, IVDD
Watch out for: Requires a clinical exam within 30 days of policy start. Entry age 16 weeks to under 9 years. Cashless claims currently limited to partner clinics.
CIMB My Paw Pal Review
CIMB My Paw Pal (underwritten by Sompo Insurance) is the cheapest entry point into pet insurance in Singapore. The basic plan starts from just S$74.90/year for dogs and S$87.74/year for cats — but it’s accident-only.
Key strengths:
- Lowest premiums in the market
- No medical check-up required
- Instant coverage upon microchip ID submission
- Third-party liability included in basic plan
- Optional illness coverage available
Watch out for: Basic plan covers accidents only — illness coverage is an optional add-on at extra cost. Max entry age is 7 years (lowest in market). Full coverage premiums go up to S$428/year.
How to Choose the Right Pet Insurance Plan
Picking the right plan depends on your pet’s age, breed, your budget, and what risks you want covered. Here’s a decision framework:
Insure early. Pet insurance is 40–50% cheaper at age 2 than age 7. Pre-existing conditions discovered before you insure are permanently excluded. Don’t wait until your pet has a health scare.
Prioritise surgical coverage. The biggest financial risk is emergency surgery — a cruciate ligament repair, tumour removal, or foreign body extraction can easily cost S$3,000–S$8,000. Make sure your plan covers at least S$10,000 in surgical expenses.
Check co-insurance and deductibles. A plan with S$15,000 surgical coverage but 30% co-insurance and a S$500 deductible still leaves you paying S$5,000+ on a major claim. Compare the net out-of-pocket, not just the headline limit.
Consider third-party liability. If you live in an HDB or condo, third-party liability coverage is essential. Most plans include it, but check the limit — S$100,000 minimum is recommended.
Read the breed exclusions. Some insurers exclude or load premiums for breeds with known hereditary conditions (e.g., French Bulldogs, Cavalier King Charles Spaniels). If you have a pedigree breed, Tiq by Etiqa’s hereditary coverage is worth the premium.
How Much Does Pet Insurance Cost in Singapore?
Pet insurance premiums in Singapore vary widely based on species, breed, age, and coverage level. Here are realistic ranges for 2026:
| Factor | Dogs | Cats |
|---|---|---|
| Annual premium range | S$250 – S$1,800+ | S$88 – S$400 |
| Monthly equivalent | S$20 – S$150/month | S$7 – S$33/month |
| Cheapest plan available | CIMB My Paw Pal: S$74.90/yr | CIMB My Paw Pal: S$87.74/yr |
For a deep dive into what drives premiums up or down, read our full guide on pet insurance costs in Singapore.
If you’re comparing this to other types of insurance, our guides on affordable term life insurance and MediSave usage limits might also be useful.
Related Reading on The Kopi Notes
Frequently Asked Questions
Is pet insurance worth it in Singapore?
Yes, if you want to protect against unexpected vet bills. A single emergency surgery can cost S$3,000–S$8,000. With premiums starting from ~S$250/year for dogs and ~S$88/year for cats, insurance can save you thousands. The earlier you insure, the cheaper the premium and the fewer exclusions you’ll face.
What does pet insurance cover in Singapore?
Most plans cover accidents, illnesses, surgery, hospitalisation, and third-party liability. Some plans also cover hereditary conditions, chemotherapy, post-surgery rehabilitation, cremation/burial, and accidental death. Routine check-ups and vaccinations are generally not covered.
Which is the cheapest pet insurance in Singapore?
CIMB My Paw Pal offers the lowest entry point at S$74.90/year for dogs and S$87.74/year for cats, but this is accident-only coverage. For comprehensive coverage, MSIG PawEasy starts from S$128/year for cats and S$319/year for dogs.
Can I insure an older pet in Singapore?
Most insurers accept pets up to 9 years old at first enrolment (CIMB caps at 7 years). Once insured, policies can typically be renewed beyond the entry age limit, though premiums increase with age. Pre-existing conditions discovered after the entry age cutoff will not be covered.
Do I need pet insurance for my HDB dog?
While pet insurance is not legally mandatory for HDB dogs in Singapore, third-party liability coverage is strongly recommended. If your dog bites someone in the lift lobby or damages a neighbour’s property, you could face significant legal liability. Most pet insurance plans include third-party liability cover.
What is the waiting period for pet insurance in Singapore?
Waiting periods vary by insurer and condition type. Accidents typically have a 0–3 day waiting period. Illness coverage usually has a 14–30 day waiting period. Cruciate ligament conditions may have a longer waiting period of up to 6 months. Always check the policy wording.
Can I claim pet insurance for pre-existing conditions?
No. Pre-existing conditions — any illness, injury, or symptom that existed before the policy start date — are universally excluded by all Singapore pet insurers. This is why insuring your pet early, before any health issues develop, is so important.
How do I make a pet insurance claim in Singapore?
Most insurers use a reimbursement model: pay the vet bill, then submit a claim with the invoice, vet report, and medical records. Claims are typically processed within 10–14 working days. Income Happy Tails now offers cashless claims at selected partner clinics for pre-approved surgeries.
This article was researched with the help of AI. While we strive to keep all information accurate and up to date, there may be errors. If you notice any discrepancies, please contact us.
