Pet insurance
Does pet insurance cover older pets?
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/covers/does-pet-insurance-cover-older-pets
Pet insurance promotions today: MSIG, 25% off. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.
Only if you insure them young. 5 of the 6 insurers we compare take a new pet only up to an age limit, from 6 to 9 years old; 1 does not state one in the terms we hold. A pet insured before then can renew at some insurers, up to age 11 or 13, at a higher premium.
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: Pet must be 8 weeks to below 9 years old at the start of cover, microchipped, vaccinated and licensed; renewal beyond age 9 at Etiqa's discretion | S$310.67Buy Now |
| India InternationalNofrom S$343.35 | No | i-Fur Kidz Pally4 of its 4 plansExcluded: Cats, show dogs and working dogs are not covered; dogs must be microchipped and aged 12 weeks to 6 years at entry | S$343.35Buy Now |
| ChubbNofrom S$349.33 | No | DBS Pawsome Protect Premier (underwritten by Chubb)3 of its 3 plansExcluded: Pet must be 8 weeks to 8 years old at commencement (both inclusive); the policy cancels automatically when the pet's Policy Age reaches 11 | S$349.33Buy Now |
| LibertyNofrom S$392.40 | No | PetCare Adogable Plan5 of its 5 plansExcluded: Pet must be 8 weeks to below 9 years at the start of the first policy, microchipped, licensed and vaccinated; not a working pet, racing dog or breeding animal; renewable until age 13 | S$392.40Buy Now |
| MSIGNofrom S$399.58 | No | PawEasy PawPat3 of its 3 plansExcluded: Pet must be 16 weeks to 9 years old at commencement, vaccinated, healthy, microchipped and licensed to you; maximum renewal age 13 | 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 older pets?
Only if you insure them young. 5 of the 6 insurers we compare take a new pet only up to an age limit, from 6 to 9 years old; 1 does not state one in the terms we hold. A pet insured before then can renew at some insurers, up to age 11 or 13, at a higher premium.
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.