Pet insurance
Does pet insurance cover hereditary conditions?
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/covers/does-pet-insurance-cover-hereditary-conditions
Pet insurance promotions today: MSIG, 25% off. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.
Mostly not in full. 4 of the 6 insurers we compare exclude hereditary or congenital conditions, 1 with named exceptions; 2 do not say so in the terms we hold. Some breeds are prone to these conditions, so ask how a plan treats them before you buy, and read the exclusions in the policy wording first.
The figures
- Insurers compared: 6, with 22 plans between them.
- Insurers that exclude it on every plan: 4, 1 of them with exceptions.
- Insurers whose documents do not say: 2.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| MSIGExcluded, with exceptionsfrom S$399.58 | Excluded, with exceptions | PawEasy PawPat3 of its 3 plansExcluded: Hereditary and congenital conditions other than the five listed (covered only for pets enrolled below age 6, after 12 months) | S$399.58Buy Now |
| EtiqaNofrom S$310.67 | No | Tiq Pet Insurance Pawsome4 of its 4 plansExcluded: Congenital and hereditary conditions, unless the complimentary cover is obtained by submitting a vet's Clinical Examination Form within 30 days of purchase (12-month waiting period) | S$310.67Buy Now |
| ChubbNofrom S$349.33 | No | DBS Pawsome Protect Premier (underwritten by Chubb)3 of its 3 plansExcluded: Non-specified hereditary and congenital conditions; non-specified neutering and spaying conditions; elective, cosmetic and preventive proceduresExcluded: Waiting periods: sickness 90 days; specified neutering and spaying conditions 30 days; specified hereditary and congenital conditions 365 days | S$349.33Buy Now |
| LibertyNofrom S$392.40 | No | PetCare Adogable Plan5 of its 5 plansExcluded: Pre-existing, hereditary, congenital and skin conditions | S$392.40Buy Now |
| India InternationalNot statedfrom S$343.35 | Not stated | i-Fur Kidz Pally4 of its 4 plansThe plan's documents do not mention it. | S$343.35Buy 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 hereditary conditions?
Mostly not in full. 4 of the 6 insurers we compare exclude hereditary or congenital conditions, 1 with named exceptions; 2 do not say so in the terms we hold. Some breeds are prone to these conditions, so ask how a plan treats them before you buy, and read the exclusions in the policy wording first.
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?
Prices depend on your answers: get a quote to see every insurer's price for you.