Pet insurance
Does pet insurance cover illness from day one?
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/covers/does-pet-insurance-cover-illness-from-day-one
Pet insurance promotions today: MSIG, 25% off. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.
No. 5 of the 6 insurers we compare have a waiting period before illness is covered, from 30 days to 3 months; 1 does not state one in the terms we hold. Accidents are covered sooner: from day one at some insurers, after 14 days or a month at others. Buy cover before your pet needs a vet.
The figures
- Insurers compared: 6, with 22 plans between them.
- Insurers that exclude it on every plan: 5.
- Insurers whose documents do not say: 1.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| EtiqaNofrom S$310.67 | No | Tiq Pet Insurance Pawsome4 of its 4 plansExcluded: Waiting periods: illness 3 months; accidental injury 1 month | S$310.67Buy Now |
| ChubbNofrom S$349.33 | No | DBS Pawsome Protect Premier (underwritten by Chubb)3 of its 3 plansExcluded: 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: Any condition occurring within the waiting period (accidental injury 1 month; theft and illness 3 months) | S$392.40Buy Now |
| MSIGNofrom S$399.58 | No | PawEasy PawPat3 of its 3 plansExcluded: Waiting periods: injury 14 days; illness 60 days | S$399.58Buy Now |
| IncomeNofrom S$506.78 | No | Furry3 of its 3 plansExcluded: Pre-existing conditions, and illness in the first 30 days of cover (accidents from day one) | S$506.78Buy 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 |
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 illness from day one?
No. 5 of the 6 insurers we compare have a waiting period before illness is covered, from 30 days to 3 months; 1 does not state one in the terms we hold. Accidents are covered sooner: from day one at some insurers, after 14 days or a month at others. Buy cover before your pet needs a vet.
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.