Pet insurance
Does pet insurance cover surgery?
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Pet insurance promotions today: MSIG, 25% off. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.
Yes, as part of vet fees. 4 of the 6 insurers we compare name surgery in their vet fee benefit, some with a higher limit for surgery than for other treatment; 2 pay vet fees without naming surgery separately. You still pay the deductible or co-payment, and a condition from before the policy started is not covered.
The figures
- Insurers compared: 6, with 22 plans between them.
- Insurers with at least one plan that covers it: 4.
- Insurers whose documents do not say: 2.
- Cheapest plan that covers it, for dog, microchipped: Etiqa Tiq Pet Insurance Pawsome, S$310.67.
- Median price among the insurers that cover it, for the same example: S$395.99.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| EtiqaYesfrom S$310.67 | Yes | Tiq Pet Insurance Pawsome4 of its 4 plansVet fees (per year): Surgical illness S$2,000, non-surgical illness S$500, accidental injury S$500; lifetime limit S$10,000 per pet | S$310.67Buy Now |
| LibertyYesfrom S$392.40 | Yes | PetCare Adogable Plan5 of its 5 plansVet fees (per year): Surgical illness S$2,500, non-surgical illness S$700, accidental injury S$700 (per incident and annual maximum) | S$392.40Buy Now |
| MSIGYesfrom S$399.58 | Yes | PawEasy PawPat3 of its 3 plansVet fees: Hospitalisation and surgery S$5,000 a year, plus pre-surgery consultation and tests S$200 (30 days before) and post-surgery treatment S$200 (60 days after); complementary therapy S$200; mobility aid S$100 | S$399.58Buy Now |
| IncomeYesfrom S$506.78 | Yes | Furry3 of its 3 plansVet fees: S$6,000 clinical and surgical a year (room and board S$800 per incident; S$8,500 annual cap in all) | 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 |
| ChubbNot statedfrom S$349.33 | Not stated | DBS Pawsome Protect Premier (underwritten by Chubb)3 of its 3 plansThe plan's documents do not mention it. | S$349.33Buy 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 surgery?
Yes, as part of vet fees. 4 of the 6 insurers we compare name surgery in their vet fee benefit, some with a higher limit for surgery than for other treatment; 2 pay vet fees without naming surgery separately. You still pay the deductible or co-payment, and a condition from before the policy started is not 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?
For dog, microchipped, Etiqa Tiq Pet Insurance Pawsome is the cheapest plan that covers it, at S$310.67 today, GST included. The median of each insurer's lowest price is S$395.99.