Pet insurance
Etiqa vs Liberty pet insurance
As of 28 Oct 2026 (Singapore time)
Of the 2 examples both price, Etiqa was cheaper on 2, Liberty on 0. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Etiqa | Liberty |
|---|---|---|
| Dog, microchipped | S$310.67Tiq Pet Insurance Pawsomeas at 15 Oct 2026 | S$392.40PetCare Adogable Planas at 9 Oct 2026 |
| Cat, microchipped | S$258.90Tiq Pet Insurance Pawsomeas at 15 Oct 2026 | S$313.92PetCare Adogable Planas at 9 Oct 2026 |
| Dog, not yet microchipped | No online price | S$392.40PetCare Adogable Planas at 9 Oct 2026 |
All prices include 9% GST.
These are example prices for the details above. Your own price depends on your answers.
Cover side by side
| Cover | Etiqa | Liberty |
|---|---|---|
| Vet fees (per year) | Surgical illness S$2,000, non-surgical illness S$500, accidental injury S$500; lifetime limit S$10,000 per pet | Surgical illness S$2,500, non-surgical illness S$700, accidental injury S$700 (per incident and annual maximum) |
| Your co-payment | 20% co-insurance if enrolled before age 4, 30% if enrolled before age 9; plus a S$200 deductible per illness claim or S$50 per accident claim | Surgical illness 20% co-insurance (pet enrolled before age 5) or 30% (enrolled before age 9); non-surgical illness 50%; accidental injury S$50 deductible |
| Third-party liability | Not covered | S$100,000 (S$500 deductible per incident) |
| Excess | S$200.00 | S$50.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is Etiqa or Liberty cheaper for pet insurance?
Of the 2 examples both price, Etiqa was cheaper on 2, Liberty on 0. Your own answers can change the order, so get your own quote.
How does Etiqa's cover compare with Liberty's?
On each one's cheapest plan for dog, microchipped (Etiqa Tiq Pet Insurance Pawsome, Liberty PetCare Adogable Plan): Vet fees (per year): Etiqa Surgical illness S$2,000, non-surgical illness S$500, accidental injury S$500; lifetime limit S$10,000 per pet, Liberty Surgical illness S$2,500, non-surgical illness S$700, accidental injury S$700 (per incident and annual maximum); Your co-payment: Etiqa 20% co-insurance if enrolled before age 4, 30% if enrolled before age 9; plus a S$200 deductible per illness claim or S$50 per accident claim, Liberty Surgical illness 20% co-insurance (pet enrolled before age 5) or 30% (enrolled before age 9); non-surgical illness 50%; accidental injury S$50 deductible; Third-party liability: Etiqa Not covered, Liberty S$100,000 (S$500 deductible per incident); Excess: Etiqa S$200.00, Liberty S$50.00.
What discounts are Etiqa and Liberty running?
Etiqa: none to show. Liberty: none to show.