A single hospitalisation can pass S$3,000 at a Singapore vet, and pet insurance reimburses up to 80% of it. We compare all 4 pet insurance plans for dogs and cats in 2026: Happy Tails (Income), Liberty PetCare, MSIG PawEasy and Etiqa Pet Insurance, on annual limits, deductibles, age caps and which ones actually cover hereditary conditions like hip dysplasia. Includes the one plan that prices cats 20% cheaper, and the S$0-deductible add-on most owners miss.
Four insurers sell pet insurance in Singapore, and it is hereditary cover, not the headline limit, that should decide your shortlist.
> Quick view: biggest ceiling is Happy Tails at S$27,000 a year. Only Liberty publishes prices: S$392.40 to S$1,471.50 for dogs, 20% less for cats. The catch: no insurer here will take a pet aged 9 or older.
The highest annual limit on this list, with three tiers capping out at S$8,500 (Furry), S$15,000 (Furbulous) and S$27,000 (Furrific) a year. Within that, the clinical and surgical benefit runs to S$22,000 and there is a chemotherapy benefit of up to S$5,000 a year, which no other plan here includes as standard. Third-party legal liability reaches S$1,000,000 on Furrific, the highest in this comparison. Covers six specified hereditary and congenital conditions: hip and elbow dysplasia, luxating patella, glaucoma, cherry eye, IVDD, and conditions requiring femoral head and neck excision, provided the pet was enrolled before age 6 and after a 12-month waiting period. Two things to plan for. A clinical examination by a vet is mandatory before or within 30 days of the start date, and non-surgical treatment for illness is not covered at all, so an ordinary vet visit for vomiting pays nothing. Deductible is S$250 per incident and co-insurance is 20% if enrolled before age 4, 30% before 7 and 40% before 9, with Income locking the 20% rate for life if you enrol before age 4 and stay continuously covered. Scheduled surgeries can go cashless at Beecroft Animal Hospital via a Letter of Guarantee. New enrolment requires the pet to be at least 16 weeks and below 9 years old. Premiums are quote-based rather than published. Best for: owners of breeds prone to hereditary issues (Bulldogs, Dachshunds, Corgis, Persian cats) who want the largest annual ceiling and cancer cover behind them.
Visit websiteBilled by Liberty as Singapore's first pet insurance policy, and still the only one that publishes its full premium table: S$392.40 a year for Adogable, S$504.67 Ameowing, S$840.39 Furtastic, S$1,016.97 UltiPaw and S$1,471.50 Pawsh, all GST inclusive. Cat owners get the most underrated discount in this market, because Liberty's quote engine takes 20% off every one of those tiers for a cat, so Adogable works out around S$313.92 and Pawsh around S$1,177.20. Reimburses up to 80% of vet bills, with up to S$18,000 for surgical illness treatment and S$5,000 non-surgical, and charges NO deductible at all on illness surgery, which is rare in this market. Co-insurance is 20% if the pet was enrolled before age 5 and 30% before 9, but non-surgical illness claims carry a punishing 50% share. Accident claims carry a S$50 deductible. Third-party liability scales by tier from S$100,000 on Adogable to S$500,000 on the top three, subject to a S$500 deductible, and drops back to S$100,000 on the upper plans if your dog is on the AVS Specified Dogs list. The top three tiers add a Wellness Care benefit covering vaccination, teeth cleaning and spaying or neutering, scaling by tier: S$100 a year on Furtastic, S$150 on UltiPaw and S$200 only on the top Pawsh plan. Those tiers also add emergency boarding of S$25 to S$100 a day, capped at 3 to 5 days, if you are hospitalised in Singapore for more than four consecutive days after an accident. Waiting periods are 1 month for accidental injury and 3 months for both illness and theft, and a No Claim Discount reaches 15% after three claim-free years. The catch is a big one: hereditary, congenital and skin conditions are listed as major exclusions, with no add-on available. Best for: cat owners, and owners of mixed breeds at low hereditary risk who want a big surgical ceiling and transparent pricing.
Visit websiteMSIG's pet insurance, launched in April 2025, and the strongest single-year surgical ceiling here: hospitalisation and surgery limits of S$5,000 (PawPat), S$10,000 (PawRun) and S$20,000 (PawPlay) a year. Its real differentiator is one nobody advertises. A Section 11 add-on reduces the deductible from S$200 to S$0 and halves the co-payment, which is the only way in this market to buy down your own share of a claim, and it can make MSIG the cheapest plan in practice even where it looks dearest on paper. Outpatient non-surgical cover (S$1,500 / S$3,000 / S$5,000), third-party legal liability (S$100,000 / S$300,000 / S$500,000), chemotherapy (S$3,000 or S$6,000 per pet's lifetime) and pet boarding are all optional add-ons rather than included, so price the plan with them switched on before comparing. Included as standard are pre-surgery consultation and diagnostic tests up to S$600, post-surgery treatment, complementary therapy such as acupuncture and physiotherapy up to S$600 at S$50 a visit, pet mobility aids and final expenses. Covers five hereditary and congenital conditions, hip and elbow dysplasia, luxating patella, glaucoma, cherry eye and IVDD, for pets under 6 at policy start, occurring or recurring after the first 12 months. Co-payment is 20% for pets enrolled before 5 and 40% for pets enrolled between 5 and 9, and the no-claim discount reaches 15%. Enrolment window is 16 weeks to 9 years. Note that routine and preventive treatments are explicitly not covered. Best for: owners who want the biggest annual surgery budget, and anyone who would rather pay a higher premium than face a deductible at claim time.
Visit websiteEtiqa's digital-first pet insurance, bought entirely online through Tiq, and the only one here with four tiers to pick from: Pawsome, Pawmazing, Pawtastic and Pawfect, carrying lifetime limits of S$10,000 / S$20,000 / S$30,000 / S$45,000 per pet. Note that those are lifetime rather than annual ceilings, so a young pet with a chronic condition can exhaust one. Surgical illness cover runs S$2,000 to S$15,000 and non-surgical S$500 to S$3,500 across the tiers. Watch the entry tier though: Pawsome carries no third-party liability and no funeral benefit at all, liability starts at S$100,000 on Pawmazing and climbs through S$250,000 to S$500,000 on Pawfect, with funeral expenses of S$250 / S$350 / S$500 alongside. Waiting periods are 3 months for illness and 1 month for accidental injury. Two discounts stand out: the no-claim discount builds to 20% by the sixth claim-free year, the most generous here, and a multi-pet discount gives 5% for two pets and 10% for three, which no rival offers. The standout feature is free hereditary cover. Upload a completed Pet Insurance Clinical Examination Form signed by a Singapore-registered vet within 30 days of purchase and Etiqa adds cover for hip and elbow dysplasia, luxating patella, glaucoma, cherry eye, IVDD and femoral head and neck excision at no extra premium, with no age-6 cut-off, subject to a 12-month waiting period. That form cannot be submitted late or added at renewal, and puppies or kittens under 6 months can defer the blood test only until 30 days after they turn 6 months. Deductibles are S$200 per illness claim and S$50 per accident claim; co-insurance is 20% for pets enrolled before age 4 and 30% before age 9. Best for: owners who want hereditary cover without the age-6 deadline, multi-pet households, and anyone who wants four price points to choose from.
Visit website| Happy Tails (Income) | Liberty PetCare | MSIG PawEasy | Etiqa Pet Insurance | |
|---|---|---|---|---|
| Plan tiers | Furry / Furbulous / Furrific | Adogable / Ameowing / Furtastic / UltiPaw / Pawsh | PawPat / PawRun / PawPlay | Pawsome / Pawmazing / Pawtastic / Pawfect |
| Top limit | S$27,000 a year | S$18,000 surgical, S$5,000 non-surgical | S$20,000 a year (hospitalisation and surgery) | S$45,000 lifetime |
| Hereditary conditions | Yes, enrol before age 6 (12-month wait) | Excluded outright | Yes, pet under 6 at policy start (12-month wait) | Yes, free with vet exam form within 30 days (12-month wait) |
| Non-surgical illness | Not covered | Yes, but 50% co-insurance | Optional add-on | Yes, S$500 to S$3,500 |
| Deductible | S$250 per incident | None on illness surgery, S$50 on accidents | S$200 per surgery, reducible to S$0 | S$200 illness, S$50 accident |
| Co-insurance you bear | 20% / 30% / 40% by age at entry | 20% under 5, 30% under 9, 50% non-surgical | 20% under 5, 40% from 5 to 9 | 20% under 4, 30% under 9 |
| Chemotherapy | Yes, up to S$5,000 | No | Optional, S$3,000 or S$6,000 lifetime | No |
| Max age at enrolment | Under 9 | Under 9 | Under 9 | Under 9 |
| Third-party liability | S$250,000 to S$1,000,000 | S$100,000 to S$500,000 (S$500 deductible) | S$100,000 to S$500,000 (optional) | None on entry tier, then S$100,000 to S$500,000 |
| Routine/wellness care | No | S$100 to S$200 a year (top 3 tiers) | No | No |
| No-claim discount | Up to 15% | Up to 15% | Up to 15% | Up to 20% |
| Premiums published? | No, quote only | Yes, S$392.40 to S$1,471.50 | No, quote only | No, quote only |
This is where the four plans genuinely diverge, and it matters more than the headline limit. Hip and elbow dysplasia, luxating patella, glaucoma, cherry eye and intervertebral disc disease (IVDD) are among the most common expensive conditions in Singapore's popular breeds, and they are exactly what a basic policy excludes.
Happy Tails, MSIG PawEasy and Etiqa all cover the same core list of specified hereditary and congenital conditions, and all three apply a 12-month waiting period, so this is protection you buy years before you need it. What differs is the gate. Happy Tails and MSIG require the pet to be enrolled before age 6. Etiqa drops the age rule entirely and instead attaches the cover free of charge to any policy where you upload a completed Pet Insurance Clinical Examination Form, signed by a Singapore-registered vet, within 30 days of purchase. That window is strict: Etiqa states the cover cannot be added after purchase or at renewal. Liberty PetCare excludes hereditary, congenital and skin conditions as a major policy exclusion with no add-on available.
If you own a Bulldog, Dachshund, Corgi, German Shepherd or Persian cat, that single row of the table should decide your shortlist.
None of these policies pay the full bill, and the gap is bigger than most owners expect. Reimbursement tops out around 80%, and on top of that you carry a co-insurance share that scales with the age you enrolled at. Happy Tails charges 20% if the pet was enrolled before age 4, 30% before age 7 and 40% before age 9. Etiqa runs 20% before age 4 and 30% before age 9, Liberty 20% before age 5 and 30% before age 9, and MSIG 20% before age 5 and 40% between 5 and 9. Deductibles then come off the top: S$250 per incident at Happy Tails, S$200 per illness claim and S$50 per accident claim at MSIG and Etiqa.
Worked example on Etiqa's Pawfect plan: a S$4,000 vet bill less the S$200 deductible leaves S$3,800, less 20% co-insurance (S$760) means Etiqa pays you S$3,040 and you absorb S$960.
Two levers are worth knowing. Liberty charges no deductible at all on illness surgery, but it offsets that with a steep 50% co-insurance on non-surgical illness claims, which is good for the big operations and poor for the drawn-out outpatient stuff. MSIG is the only insurer here that sells the problem away: its Section 11 add-on reduces the deductible to S$0 and halves the co-payment, which turns the cheapest-looking headline into the most predictable bill. Price it with that switched on before you dismiss MSIG as expensive.
Headline figures on all four plans belong to the top tier, and the entry plans are much thinner than the marketing suggests. Etiqa's Pawsome carries no third-party liability and no funeral benefit at all. Liberty's Adogable caps third-party liability at S$100,000 rather than S$500,000, and carries no wellness benefit. MSIG sells third-party liability and outpatient cover as optional extras on every tier, so a PawPat quote without them is not comparable to a Happy Tails Furry quote that includes liability as standard.
There is one breed-specific trap on Liberty worth flagging. If your dog is on the AVS Specified Dogs list, the third-party liability limit drops to S$100,000 on the Ameowing, Furtastic, UltiPaw and Pawsh plans, and the dog must be muzzled and leashed in public for cover to hold.
No, and this catches people out. Every one of the four requires the pet to be under 9 years old at the policy start date. Once your dog or cat turns 9 without a policy in force, pet insurance in Singapore is simply not available to you, and a dedicated vet savings fund becomes the only realistic plan. Pets enrolled while young can generally keep renewing past 9, though Income notes it may apply new terms and charge extra to do so. That is why enrolling early is the single highest-value decision here, and Income sharpens the point: enrol before age 4 and your 20% co-insurance is locked for the pet's lifetime, as long as cover runs continuously.
The four above are the mainstream comparison, but they are not the only pet policy on sale in Singapore.
CIMB My Paw Pal is the only pet insurance here distributed by a bank, underwritten by Sompo Insurance Singapore and sold through CIMB. It is structured very differently from the rest. The basic plan is accident-first, covering accidental death (S$1,500), medical expenses from accidents (up to S$1,500 a year), cremation or burial after an accident (up to S$300) and third-party liability up to S$250,000, from S$119.90 a year including GST. Illness cover is not built in. It is Option B, an extra S$403.30 a year, and note that the S$1,500 annual medical limit is inclusive of the basic plan rather than added on top. Dog owners can add theft cover (Option A) for S$44.69, which is not available for cats. There is a S$100 minimum on medical claims, no medical examination is required, and the enrolment window is tighter at 12 weeks to 7 years old rather than 9. Worth it only if you want cheap accident-and-liability cover rather than real medical protection.
None of the four publish standing discounts, but Income periodically runs a STAR$ rebate on the Furbulous and Furrific plans for customers paying the yearly premium. The July to August 2026 edition was worth 55,000 STAR$, or about S$55 in eCapitaVouchers, and required a promo code entered at application. These run in short windows, so check income.com.sg/latest-promotions before you buy rather than assuming the price you see is the best one. Etiqa's multi-pet discount (5% for two pets, 10% for three) and every insurer's no-claim discount are standing benefits rather than promotions, and Etiqa's 20% NCD ceiling is the most generous of the four.
Yes for most pet owners, but read the co-insurance line before you sign. A single hospitalisation for a serious illness (parvovirus, kidney disease, a surgical procedure) easily runs S$3,000 to S$8,000 at Singapore vets, and annual premiums here run roughly S$390 to S$1,500. What these policies do not do is pay the whole bill: reimbursement is capped at around 80%, you bear a co-insurance share of 20% to 40% of every claim depending on the age you enrolled at, and illness claims carry a S$200-per-incident deductible at MSIG and Etiqa and S$250 at Happy Tails. On a S$4,000 surgery you should still expect to be out of pocket by roughly S$1,000. Insurance is most cost-effective if you enrol while the pet is young and healthy, because premiums and co-insurance are both lower, and anything diagnosed before you sign is excluded as pre-existing.
Liberty PetCare is the only one of the four that publishes a full premium table, so use it as your benchmark. For a dog it is S$392.40 a year for the entry Adogable plan, rising through S$504.67 (Ameowing), S$840.39 (Furtastic) and S$1,016.97 (UltiPaw) to S$1,471.50 for the top Pawsh plan, all inclusive of GST. Cats are charged 20% less on the same tiers, which works out to roughly S$313.92 up to S$1,177.20. Happy Tails, MSIG PawEasy and Etiqa price by quote, so you enter your pet's species, breed and age and get a figure. Budget roughly S$400 to S$1,500 a year depending on tier and how old your pet is at enrolment. Premiums rise with age, and every insurer here loads the co-insurance you pay as well: enrol a pet before age 4 or 5 and you typically bear 20% of each claim, but enrol between 5 and 9 and that jumps to 30% or 40%. Signing up while the pet is young saves money twice over.
Three of the four do, and they cover almost exactly the same list: hip and elbow dysplasia, luxating patella, glaucoma, cherry eye, intervertebral disc disease (IVDD), and conditions requiring femoral head and neck excision. All three apply a 12-month waiting period, so this is cover you buy years before you need it. Happy Tails (Income) and MSIG PawEasy both require the pet to be enrolled before age 6. Etiqa has no age-6 cut-off and adds the cover free of charge instead, provided you upload a completed Pet Insurance Clinical Examination Form signed by a Singapore-registered vet within 30 days of purchase. That form cannot be added later or at renewal, so it is a one-time window. Liberty PetCare is the outlier, listing pre-existing, hereditary, congenital and skin conditions as major exclusions with no add-on available. If your breed is prone to hip dysplasia or IVDD (Bulldogs, Dachshunds, Corgis, Persian cats), that alone rules Liberty out.
Liberty PetCare, on published prices, because it is the only insurer here that prices cats differently from dogs. Its quote engine takes 20% off the dog premium for a cat on every tier, so the entry Adogable plan works out at about S$313.92 a year instead of S$392.40, and the top Pawsh plan at about S$1,177.20 instead of S$1,471.50. Two of Liberty's benefits do not apply to cats, though: theft cover is dogs only, and the AVS Specified Dogs liability restriction is irrelevant to you. The other three insurers quote by breed and age without a published cat discount, so you have to run a quote to compare. Etiqa is worth a quote too if you have more than one cat, since it is the only plan here with a multi-pet discount, at 5% for two pets and 10% for three.
Mostly no, with one exception. MSIG PawEasy states plainly that routine and preventive treatments are not covered, and Happy Tails and Etiqa are built the same way, covering accidents, illness and surgery only. Happy Tails goes further and excludes non-surgical treatment for illness altogether, along with spay and neuter procedures and the cost of the enrolment clinical examination itself. Liberty PetCare is the only plan here with a routine-care benefit: its Furtastic, UltiPaw and Pawsh tiers include a Wellness Care benefit covering vet examination and vaccination, teeth cleaning or polishing, and spaying or neutering, worth S$100 a year on Furtastic, S$150 on UltiPaw and S$200 on Pawsh. Even at the top, that does not come close to paying for the plan on its own, so treat it as a small rebate rather than a reason to choose Liberty. Budget for routine vet costs out of pocket, because insurance here is for the unexpected.
Only up to a point, and the wall is the same at every insurer: all four plans require the pet to be under 9 years old at the policy start date. Happy Tails and MSIG PawEasy both state at least 16 weeks and below 9 years, Liberty PetCare accepts pets from 8 weeks and below 9 years, and Etiqa runs from 8 weeks to below 9 as well. There is no plan in this comparison that will take on a pet aged 9 or older for the first time, so if you have a senior dog or cat with no existing policy, insurance is effectively off the table and a dedicated vet savings fund is the realistic substitute. Pets enrolled while young can generally keep renewing past 9, though Income notes that it may apply new terms and charge an extra premium to do so. Enrolling between 5 and 9 is still possible but costs more twice over, through a higher premium and a higher co-insurance share of 30% to 40% instead of 20%, and anything already diagnosed is excluded as pre-existing.
You are not covered the moment you pay, and the gap differs by insurer. Happy Tails (Income) applies 90 days for sicknesses and a full 12 months for the specified hereditary and congenital conditions. Etiqa runs 3 months for illness, both surgical and non-surgical, 1 month for accidental injury, and 12 months for its complimentary hereditary cover. Liberty PetCare applies 1 month for accidental injury and 3 months for both illness and theft, and treats anything occurring within the waiting period as a policy exclusion. MSIG PawEasy covers its five hereditary and congenital conditions only where they occur or recur after the first 12 months. The practical lesson is that insurance bought in response to a symptom you have already noticed will not pay, because anything showing before cover starts is treated as pre-existing and excluded permanently. Buy while the pet is well, and treat the first three months to a year as the price of entry.
