Pet Insurance FAQs

Cover and Benefits

  • Is Chemotherapy covered ?
  • 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.

  • What type of Pet Insurance is right for me?
  • Accident & theft with deductible

    This type of insurance covers the pet for accidents, theft and third party liability. Deductible ranges from $150/- to $250/-. Claimable limits are imposed on the amount of time and money allowed for each accident or theft. There is a deductible of $1,000/- per claim for third party liability.

    Accident, theft & medical with deductible and co-insurance

    This type of insurance covers medical expenses for accidents and illnesses.  The co-insurance applies to each incident for medical expenses claimed for illnesses. The co-insurance ranges from 30% to 50%. The deductible of $50/- is applicable for vet expenses incurred for accidental injury. There is a deductible of $500/- for third party liability. There is also a choice of 3 plans: Standard, Enhanced & Superior.

    Accident, medical & specified medical conditions with deductible and co-insurance

    This is the most comprehensive cover for medical expenses incurred for illnesses, injuries and accidents.  Since it is a lifetime coverage, the pet is required to be medically examined by the vet, micro-chipped and had all the necessary vaccinations. It is subjected to the limits of the plan. There is a 20% of co-insurance and $250/- of deductible to be incurred by Pet parents. The cover for dogs starts from 16 weeks to below age 4. The Pet parents will enjoy 80% lifetime reimbursement for the pets. The cover includes specified hereditary and congenital conditions such as hip dysplasia. There are 3 levels of co-insurance for older dogs start from age 7 to below 9 years old when the Pet Parents enrolled. The Pet Parents will enjoy 60% reimbursement for life. As long as the dog has not crossed its 9th birthday, it is eligible to enrol for the plan. The plan even covers alternative treatment of acupuncture.

    Choose the plan which is most suitable for your pet and your budget. It is cost-effective to enrol for the plan when the pet reaches 16 weeks old to take advantage of comprehensive lifetime coverage.

General & Eligibility

  • 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 daycare. 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

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  • Why do I need to buy a Pet Insurance?
  • 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.

  • Does my pet need to be micro-chipped?
  • Yes. In order to be eligible for the insurance, most insurers required the pet to be micro-chipped. An owner with a pet that is not micro-chipped will have to pay higher premium for the same cover for insurance from the insurer who accepts the application.

    It is important to check out all the eligibility requirements stated by the insurer before committing to the insurance plan for your pet. If your pet is not spayed or neutered, there is no cover for illnesses related to prostate problems, hormonal skin problems, perianal hernia, testicular tumours, mammary tumours, uterine and ovarian conditions.

  • Does the breed matter?
  • Yes. The breed of the dog matters to certain insurer but not to all insurers. The insurance coverage is for all types of dogs, except for the following breeds: Mastiffs, Bull Terrier, Staffordshire Bull Terrier, Pit Bull Terrier, American Pit Bull Terrier, Argentina Dog, Canary Dog, American Bulldog, or a dog crossed with any of these breeds and/or wolves. It need not be a pedigree.

  • Why use Insurance Market to compare?
  • We offer fast, simple and independent comparison of the insurance plans available in Singapore. It only takes a few minutes of your time to key in a few critical details of your pet to derive the quotes for you to consider.