Pet insurance
Income vs Liberty pet insurance
As of 28 Oct 2026 (Singapore time)
Of the 3 examples both price, Income was cheaper on 0, Liberty on 3. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Income | Liberty |
|---|---|---|
| Dog, microchipped | S$506.78Furryas at 16 Oct 2026 | S$392.40PetCare Adogable Planas at 9 Oct 2026 |
| Cat, microchipped | S$331.01Furryas at 16 Oct 2026 | S$313.92PetCare Adogable Planas at 9 Oct 2026 |
| Dog, not yet microchipped | S$506.78Furryas at 16 Oct 2026 | 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 | Income | Liberty |
|---|---|---|
| Vet fees | S$6,000 clinical and surgical a year (room and board S$800 per incident; S$8,500 annual cap in all) | Surgical illness S$2,500, non-surgical illness S$700, accidental injury S$700 (per incident and annual maximum) |
| Co-payment | 20% co-insurance per incident when enrolled before age 4 (30% before 7, 40% before 9), plus a S$250 deductible | 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 | S$250,000 | S$100,000 (S$500 deductible per incident) |
| Excess | S$250.00 | 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 Income or Liberty cheaper for pet insurance?
Of the 3 examples both price, Income was cheaper on 0, Liberty on 3. Your own answers can change the order, so get your own quote.
How does Income's cover compare with Liberty's?
On each one's cheapest plan for dog, microchipped (Income Furry, Liberty PetCare Adogable Plan): Vet fees: Income S$6,000 clinical and surgical a year (room and board S$800 per incident; S$8,500 annual cap in all), Liberty Surgical illness S$2,500, non-surgical illness S$700, accidental injury S$700 (per incident and annual maximum); Co-payment: Income 20% co-insurance per incident when enrolled before age 4 (30% before 7, 40% before 9), plus a S$250 deductible, 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: Income S$250,000, Liberty S$100,000 (S$500 deductible per incident); Excess: Income S$250.00, Liberty S$50.00.
What discounts are Income and Liberty running?
Income: none to show. Liberty: none to show.