Quick answer: Income Happy Tails is a solid workhorse for lifelong, high-limit protection. Liberty PetCare gives you flexible wellness add-ons and the freedom to choose any vet. Tiq by Etiqa wins for digital ease and multi-pet discounts. MSIG PawEasy covers acupuncture and pet boarding if you travel. CIMB My Paw Pal is the affordable, modular starter plan. Silversky Protect keeps things simple with no medical exam, while Insurance Market offers personalised broker advice for unique cases.
Pet insurance in Singapore isn’t really about the cheapest premium — it’s about which claims get approved and how much you’ll actually receive. The policy structure determines whether that big surgery is covered or if you’re left footing the bill. Smart owners look past the marketing and focus on the payout caps, waiting periods, and what’s excluded. Here’s how the main plans break down.
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Income Happy Tails
Income Happy Tails comes from NTUC Income, and while you can visit their team at Income Centre on Bras Basah Road, most of us just sign up online and get on with life. The top-tier plan for dogs and cats stretches to S$27,000 in annual coverage—that includes up to S$22,000 for surgeries and S$5,000 for chemotherapy. They even cover specified hereditary and congenital conditions after a 12-month waiting period, which is a relief if your pedigree pup’s hips act up.
There is a lifetime co-insurance lock-in if you sign up early, and no-claim discounts that climb from 5% to 15%, so your premium gets lighter each good year. Third-party liability goes up to S$250,000, and they don’t blink at outpatient accidental injuries, post-surgical care, or even euthanasia and cremation.
Address: 75 Bras Basah Road, Singapore 189557. Hours: Monday to Friday, 9:00 AM to 5:00 PM (excluding public holidays). Website: Income Happy Tails Pet Insurance.
This plan suits the owner who wants to set and forget. If big-ticket surgeries keep you up at night, Happy Tails is a steady shield that grows with your pet. Put it in place, then go back to spoiling your furkid.
Owners who want a high annual ceiling and no fuss over per-condition sub-limits will find their answer in this plan. The waiting period is clear, so once you pass the 12-month mark, there’s no need to agak agak—hereditary and congenital conditions are in scope. It suits pedigree cats and dogs that often develop breed-specific conditions down the road.
Liberty PetCare
Liberty PetCare has been around since 2014, making it one of Singapore’s first pet insurance plans. You won’t need a medical exam to sign up, and you can pick any vet you like. Five plans—Adogable, Ameowing, Furtastic, Ultipaw, and Pawsh—let you mix and match coverage. Surgical treatments go up to S$18,000, non-surgical up to S$5,000, and third-party liability hits S$500,000.
What makes it stand out is the wellness benefit: up to S$200 a year for things like vaccinations or spaying. No-claim discounts reach 15%, so good years help your wallet. It feels like they designed this for owners who don’t want to overthink—just pick a tier, add wellness if you want, and carry on.
Enquiries are online or via their customer service, with operating hours Monday to Friday, 9:00 AM to 5:30 PM. Website: Liberty PetCare.
If you are loyal to a particular vet and like the idea of getting your yearly jabs partly covered, this one feels like it has your back without being kiasu about it.
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The wellness add-on is the quiet hero here—it turns the policy from pure protection into something you actually use each year for vaccinations and check-ups. That changes the mental maths from ‘am I wasting money?’ to ‘I’m getting something back regardless.’ For the owner who likes seeing an annual return, it’s a reassuring structure.
Tiq by Etiqa Pet Insurance
Tiq by Etiqa runs entirely through its app, which means claims and sign-ups are a few taps on your phone. Four plan names—Pawsome, Pawmazing, Pawtastic, Pawfect—sound playful, but the coverage is serious. Surgical illness cover goes up to S$15,000, non-surgical and accidental injuries up to S$3,500, and third-party liability up to S$500,000.
It comes through for multi-pet households with a multi-pet discount, and no-claim discounts can climb to 20%. A rare plus: congenital conditions like hip dysplasia are covered if you have a medical report, saving you from a common heartbreak down the line.
Contact via phone or email through their portal. Operating hours: Monday to Friday, 9:00 AM to 5:30 PM. The registered address is 23 Church Street, #01-01 Capital Square, Singapore 049481. Website: Tiq Pet Insurance.
For the tech-comfortable owner with more than one furkid, the stacking discounts and quick app experience make this a damn shiok pick.
The app-only setup means you never have to chase a paper claim form—it’s all built for speed. The multi-pet discount stacks nicely if you have more than one animal, and the no-claim discount rewards the responsible owner who rarely needs to file. It’s a practical fit for the tech-savvy household juggling multiple fur kids.
MSIG PawEasy
MSIG PawEasy carries the name of an insurer that took home ‘Best General Insurer for Singapore’ in 2024. Three plan levels give you up to S$20,000 for hospitalisation and surgery, S$5,000 for outpatient non-surgical care, and optional add-ons like a S$6,000 lifetime chemotherapy boost and S$500,000 third-party liability. Flexible deductibles let you tweak the premium to your comfort.
Where it gets interesting: they cover complementary therapies like acupuncture, and they’ll pay for pet boarding if you are delayed overseas. That’s the kind of practical detail that hits different when you are stuck at an airport and your dog is waiting at the sitter.
Address: 4 Shenton Way #21-01 SGX Centre II, Singapore 068807. Contact Carole Chow at +65 6012 1258. Hours: Monday to Friday, 9:00 AM to 5:00 PM. Website: MSIG PawEasy.
Travel regularly or believe in holistic pet care? This plan reads like it was written with you in mind. High surgical limits and acupuncture coverage are a rare pair.
The cover for vet-prescribed supplements is a practical touch you don’t always see. If your dog needs long-term joint support or your cat has a chronic skin issue, those recurring costs get factored in—and that can add up to genuine savings over a year. It’s the sort of detail that makes a policy feel thoughtfully put together.
CIMB My Paw Pal
CIMB My Paw Pal keeps things light and modular. The basic plan covers S$1,500 for accidental death and medical expenses, S$300 for cremation, and S$250,000 for third-party liability. Add-ons let you tack on illness coverage (S$1,500) and theft cover for dogs (S$1,500) if you want a bit more peace of mind. No medical examination is required, and approval is instant.
It’s underwritten by Sompo, so the service team is reachable at +65 6461 6222 or [email protected], Monday to Friday, 9:00 AM to 5:00 PM (excluding public holidays). The whole thing runs online, no need to step out. Website: CIMB My Paw Pal.
Perfect if you’re testing the waters with pet insurance or just want something affordable that covers the scary accidents and liability without locking you into a full-blown plan. Very no-frills, very fast.
The build-your-own structure is ideal for the budget-watcher who only wants to cover what they actually fear—like theft for a popular breed or illness for an indoor cat. Instant approval means no waiting anxiety. You’re in control of the modules, so you only pay for the protection that keeps you up at night.
Silversky Protect
Silversky Protect is a digital-first plan underwritten by MSIG, so the bones are strong. Coverage runs from S$3,500 to S$13,000 for clinical and surgical benefits (illnesses and accidents combined), with S$500,000 in third-party liability and up to S$400 for cremation. It throws in post-surgical room and board (S$200) and complementary therapy (S$500), plus no-claim discounts up to 15%. No medical exam needed, and you can use any vet.
The online platform is straightforward, and the inclusion of cremation and post-surgery boarding feels thoughtful—things you don’t think about until that moment hits. Enquiries go through their portal, accessible island-wide. Website: Silversky Protect.
If you’re the type who wants a clean digital sign-up and a plan that covers the unexpected extras without a vet exam, this one slots in nicely.
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Rewards for a healthy pet are at the heart of this plan. The no-claim discount scales up, so after a few claim-free years your premium feels almost like a membership fee rather than a grudging expense. That long-game logic appeals to owners who see insurance as a partnership, not a one-way bet.
Insurance Market Pet Insurance
Insurance Market Pte Ltd does things differently—they are a broker, not a direct insurer. That means someone actually sits down with you (or over the phone) to piece together a plan that covers illnesses, surgeries, theft, pet passing, and third-party liabilities. They can even arrange Banker’s guarantee bonds if your situation calls for it. It’s flexible for dogs and cats, including those in non-HDB residences.
Clients often rave about the tailored advice, which can be a relief if reading policy wordings makes you sian. Address: Oxley Biz Hub 1, #09-08, 67 Ubi Road 1, Singapore 408730. Phone: +65 6908 1811. Hours: Monday to Friday, 9:00 AM to 5:00 PM. Website: Insurance Market.
If you have a less common breed, a non-HDB cat, or just want to talk through what you truly need without guessing, this personal touch is hard to beat.
How to choose
Start by checking what scares you the most—is it surgery bills, long-term illness, or causing an accident that hurts someone else? That points you to the surgical limits and third-party liability figures. If your pet is a breed known for hip or joint issues, plans that cover hereditary conditions after a waiting period (like Income Happy Tails and Tiq) become very attractive. For the wellness-conscious, Liberty’s vaccination and spaying benefit adds real value.
Think about how many pets you own. Multi-pet discounts at Tiq can make a difference. If you travel, MSIG’s boarding cover might be peace of mind that costs surprisingly little extra. For first-timers, CIMB’s modular add-ons let you start small and scale. And if your situation is a bit off the beaten path, a broker like Insurance Market can customise. Premiums vary widely—most providers have an online calculator, so you can get an instant number without picking up the phone.
| Provider | Highest Annual Coverage | Key Unique Feature | No-Claim Discount | Multi-Pet Discount | Medical Exam Required |
|---|---|---|---|---|---|
| Income Happy Tails | S$27,000 | Lifetime co-insurance lock-in, hereditary cover after 12 months | Up to 15% | Check with the business | Not specified, check |
| Liberty PetCare | S$18,000 (surgical) | Wellness care up to S$200/year, no medical exam | Up to 15% | Check with the business | No |
| Tiq by Etiqa | S$15,000 (surgical illnesses) | Congenital coverage with medical report, multi-pet discount | Up to 20% | Yes | Check with the business |
| MSIG PawEasy | S$20,000 (hospitalisation & surgery) | Acupuncture, pet boarding, optional chemotherapy add-on | Up to 15% | Check with the business | Not specified, check |
| CIMB My Paw Pal | S$1,500 (medical expenses, basic) | Modular add-ons, instant approval, no exam | Not specified | No | No |
| Silversky Protect | S$13,000 (clinical & surgical combined) | Cremation cover, post-surgery boarding, no exam | Up to 15% | Check with the business | No |
| Insurance Market | Tailored, depends on plan | Broker customisation, Banker’s guarantee bonds | Not specified | Check with the business | Check with the business |
Summary
From lifetime shields with high surgical limits to fuss-free modular accident plans, these seven providers cover the full spectrum for Singapore pet owners. Match your real worry—whether it’s surgery costs, congenital issues, or just a sian vet bill on a bad day—to the plan that fits, and you can spend less time crunching numbers and more time fussing over your furkid.
Disclaimer: All information here has been compiled from publicly available sources. While we have made every effort to ensure accuracy, we do not guarantee that the information is complete or error-free. Details can change, so confirm directly with the business before making a decision. If you find any errors, please let us know so we can correct them.
Frequently asked questions
A human broker changes the dynamic—you’re not clicking through a questionnaire alone; someone helps you map the policy to your actual lifestyle. For expats or owners with unusual living arrangements, that guidance can be the difference between a rejected claim and a smooth payout. It’s high-touch peace of mind.
Do I need a medical exam to get pet insurance?
Not all plans require one. Liberty PetCare, CIMB My Paw Pal, and Silversky Protect let you sign up without a vet check. Other providers may ask for your pet’s medical history, so it’s best to verify when you apply.
Are pre-existing conditions covered?
Pet insurance generally does not cover pre-existing conditions. However, Income Happy Tails covers specified hereditary and congenital conditions after a 12-month waiting period, while Tiq by Etiqa may cover congenital issues if you submit a medical report.
Can I use any vet in Singapore?
Most plans on this list allow you to choose any licensed vet. Liberty PetCare, Tiq by Etiqa, and Silversky Protect explicitly state no vet restrictions, giving you full freedom to stick with your regular clinic.
How much does pet insurance cost?
Premiums depend on the plan, your pet’s age, and breed. A basic accident-only plan can start from a few dollars a month, while comprehensive surgical plans with high limits are pricier. Each provider has an online calculator for an instant quote.
What is the typical waiting period?
Waiting periods vary. Accident cover often begins immediately or after a couple of days, while illness cover may have a 14- to 30-day wait. For hereditary and congenital conditions, Income Happy Tails requires a 12-month wait.
Can I insure an older pet?
Entry age limits usually cap around 9 years for new applications, but once enrolled, renewal is typically for life as long as you continue paying. Check each insurer’s age cut-off before signing up—some may be stricter than others.
