Pet insurance
Does pet insurance cover pre-existing conditions?
As of 28 Oct 2026 (Singapore time)
No. All 6 insurers we compare exclude conditions your dog or cat had before the policy started, and some also exclude hereditary and congenital conditions. Insure a pet while it is young and healthy, before anything shows up in its vet records, so later illnesses are covered.
The figures
- Insurers compared: 6, with 22 plans between them.
- Insurers that exclude it on every plan: 6.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| ChubbNofrom S$203.36 | No | DBS Pawsome Protect Classic (underwritten by Chubb)3 of its 3 plansExcluded: Pre-existing conditions | S$203.36 |
| EtiqaNofrom S$310.67 | No | Tiq Pet Insurance Pawsome4 of its 4 plansExcluded: Pre-existing conditions | S$310.67 |
| India InternationalNofrom S$343.35 | No | i-Fur Kidz Pally4 of its 4 plansExcluded: Pre-existing conditions | S$343.35 |
| LibertyNofrom S$392.40 | No | PetCare Adogable Plan5 of its 5 plansExcluded: Pre-existing, hereditary, congenital and skin conditions | S$392.40 |
| MSIGNofrom S$399.58 | No | PawEasy PawPat3 of its 3 plansExcluded: Pre-existing conditions, routine and preventive treatment | S$399.58 |
| 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$506.78 |
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 insuranceQuestions people ask
Does pet insurance cover pre-existing conditions?
No. All 6 insurers we compare exclude conditions your dog or cat had before the policy started, and some also exclude hereditary and congenital conditions. Insure a pet while it is young and healthy, before anything shows up in its vet records, so later illnesses are covered.
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.