Pet insurance
Does pet insurance cover every dog breed?
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/covers/does-pet-insurance-cover-every-dog-breed
Pet insurance promotions today: MSIG, 25% off. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.
Not always. 2 of the 6 insurers we compare refuse some breeds, such as Pit Bull types, Akitas and Mastiffs, and their crosses; 1 caps liability cover for them; 3 do not list any. Check your dog's breed against the insurer's list before you buy. Some also price by breed, so a pedigree or large dog can cost more.
The figures
- Insurers compared: 6, with 22 plans between them.
- Insurers with at least one plan that covers it: 1.
- Insurers that exclude it on every plan: 2.
- Insurers whose documents do not say: 3.
- Cheapest plan that covers it, for dog, microchipped: Liberty PetCare Adogable Plan, S$392.40.
- Median price among the insurers that cover it, for the same example: S$392.40.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| LibertyYes, with limitsfrom S$392.40 | Yes, with limits | PetCare Adogable Plan5 of its 5 plansTerms: Third-party liability is capped at S$100,000 for Pit Bull types (incl. American Staffordshire Terrier), Akita, Neapolitan Mastiff, Tosa, Dogo Argentino, Fila Brasileiro, Boerboel, Perro de Presa Canario, Bull Terrier, Doberman, Rottweiler, German Shepherd types, Mastiffs and crosses; no liability cover when such a dog is unmuzzled or unleashed in public | S$392.40Buy Now |
| India InternationalNofrom S$343.35 | No | i-Fur Kidz Pally4 of its 4 plansExcluded: Excluded breeds: Pit Bull types (incl. American Staffordshire Terrier), Akita, Neapolitan Mastiff, Tosa, Dogo Argentino, Fila Brasileiro, Boerboel, Perro de Presa Canario, Bull Terrier, Doberman, Rottweiler, German Shepherd types, Mastiffs, and crosses of these | S$343.35Buy Now |
| ChubbNofrom S$349.33 | No | DBS Pawsome Protect Premier (underwritten by Chubb)3 of its 3 plansExcluded: Excluded dog breeds: Pit Bull types (incl. American Pit Bull Terrier, American Staffordshire Terrier, Staffordshire Bull Terrier, American Bulldog), Akita, Neapolitan Mastiff, Tosa, Dogo Argentino, Fila Brasileiro, Boerboel, Perro de Presa Canario, and crosses of these | S$349.33Buy Now |
| EtiqaNot statedfrom S$310.67 | Not stated | Tiq Pet Insurance Pawsome4 of its 4 plansThe plan's documents do not mention it. | S$310.67Buy Now |
| MSIGNot statedfrom S$399.58 | Not stated | PawEasy PawPat3 of its 3 plansThe plan's documents do not mention it. | S$399.58Buy Now |
| IncomeNot statedfrom S$506.78 | Not stated | Furry3 of its 3 plansThe plan's documents do not mention it. | S$506.78Buy Now |
All prices include 9% GST. A dash means the plan has no price for this example. Each insurer's policy wording is the final word on what is covered.
See every insurer's price for your own answers, with each plan's cover side by side.
Compare pet insuranceBuy Now addresses
Each listed insurer's best-value plan for dog, microchipped, lowest premium first.
- Liberty, PetCare Adogable Plan: https://onelink.libertyinsurance.com.sg/petcare?producerCode=B9163
- MSIG, PawEasy PawRun: https://shentonbrokers.com/go/msig/pet
- Etiqa, Tiq Pet Insurance Pawfect: https://www.tiq.com.sg/buy-online/pet-insurance/quotation/?referral=A501895
Questions people ask
Does pet insurance cover every dog breed?
Not always. 2 of the 6 insurers we compare refuse some breeds, such as Pit Bull types, Akitas and Mastiffs, and their crosses; 1 caps liability cover for them; 3 do not list any. Check your dog's breed against the insurer's list before you buy. Some also price by breed, so a pedigree or large dog can cost more.
Where do these answers come from?
From each insurer's own policy documents: the benefit table and exclusions of every live plan we compare, 22 plans from 6 insurers. The policy wording is the final word on what is covered.
Which plan is cheapest?
For dog, microchipped, Liberty PetCare Adogable Plan is the cheapest plan that covers it, at S$392.40 today, GST included. The median of each insurer's lowest price is S$392.40.