Pet insurance
Liberty vs MSIG pet insurance
As of 28 Oct 2026 (Singapore time)
Of the 2 examples both price, Liberty was cheaper on 1, MSIG on 1. Neither is cheaper overall. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Liberty | MSIG |
|---|---|---|
| Dog, microchipped | S$392.40PetCare Adogable Planas at 9 Oct 2026 | S$399.58PawEasy PawPatas at 11 Oct 2026 |
| Cat, microchipped | S$313.92PetCare Adogable Planas at 9 Oct 2026 | S$159.99PawEasy PawPatas at 11 Oct 2026 |
| Dog, not yet microchipped | S$392.40PetCare Adogable Planas at 9 Oct 2026 | No online price |
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 | Liberty | MSIG |
|---|---|---|
| Vet fees (per year) | Surgical illness S$2,500, non-surgical illness S$700, accidental injury S$700 (per incident and annual maximum) | Hospitalisation and surgery S$5,000 a year, plus pre-surgery consultation and tests S$200 (30 days before) and post-surgery treatment S$200 (60 days after); complementary therapy S$200; mobility aid S$100 |
| Your co-payment | 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 | S$200 deductible per surgery, then 20% co-payment (pet enrolled before 5 years old) or 40% (enrolled at 5 to 9); an optional add-on removes the deductible and halves the co-payment |
| Third-party liability | S$100,000 (S$500 deductible per incident) | S$100,000 only as an optional add-on |
| Excess | S$50.00 | S$200.00 |
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 Liberty or MSIG cheaper for pet insurance?
Of the 2 examples both price, Liberty was cheaper on 1, MSIG on 1. Neither is cheaper overall. Your own answers can change the order, so get your own quote.
How does Liberty's cover compare with MSIG's?
On each one's cheapest plan for dog, microchipped (Liberty PetCare Adogable Plan, MSIG PawEasy PawPat): Vet fees (per year): Liberty Surgical illness S$2,500, non-surgical illness S$700, accidental injury S$700 (per incident and annual maximum), MSIG Hospitalisation and surgery S$5,000 a year, plus pre-surgery consultation and tests S$200 (30 days before) and post-surgery treatment S$200 (60 days after); complementary therapy S$200; mobility aid S$100; Your co-payment: 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, MSIG S$200 deductible per surgery, then 20% co-payment (pet enrolled before 5 years old) or 40% (enrolled at 5 to 9); an optional add-on removes the deductible and halves the co-payment; Third-party liability: Liberty S$100,000 (S$500 deductible per incident), MSIG S$100,000 only as an optional add-on; Excess: Liberty S$50.00, MSIG S$200.00.
What discounts are Liberty and MSIG running?
Liberty: none to show. MSIG: 25% off.