Pet insurance
Does pet insurance cover third-party liability?
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/covers/does-pet-insurance-cover-third-party-liability
Pet insurance promotions today: MSIG, 25% off. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.
On some plans. 5 of the 6 insurers we compare include third-party liability, which pays if your pet hurts someone or damages their property, on at least one plan; 1 sells it only as an add-on. Limits differ. The cheapest plan at an insurer may not include it, so check the plan you pick.
The figures
- Insurers compared: 6, with 22 plans between them.
- Insurers with at least one plan that covers it: 5.
- Insurers that sell it as an optional add-on: 1.
- Cheapest plan that covers it, for dog, microchipped: Chubb DBS Pawsome Protect Premier (underwritten by Chubb), S$349.33.
- Median price among the insurers that cover it, for the same example: S$497.07.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| ChubbYesfrom S$349.33 | Yes | DBS Pawsome Protect Premier (underwritten by Chubb)3 of its 3 plansThird-party liability: S$100,000 per policy year (S$500 deductible per claim) | S$349.33Buy Now |
| LibertyYesfrom S$392.40 | Yes | PetCare Adogable Plan5 of its 5 plansThird-party liability: S$100,000 (S$500 deductible per incident) | S$392.40Buy Now |
| EtiqaYesfrom S$497.07 | Yes | Tiq Pet Insurance Pawmazing3 of its 4 plansThird-party liability: S$100,000 | S$497.07Buy Now |
| IncomeYesfrom S$506.78 | Yes | Furry3 of its 3 plansThird-party liability: S$250,000 | S$506.78Buy Now |
| India InternationalYesfrom S$506.85 | Yes | i-Fur Kidz Altruistic3 of its 4 plansThird-party liability: S$250,000 (bodily injury and property damage, per occurrence and in aggregate) | S$506.85Buy Now |
| MSIGOptional add-onfrom S$399.58 | Optional add-on | PawEasy PawPat3 of its 3 plansThird-party liability: S$100,000 only as an optional add-on | S$399.58Buy 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 third-party liability?
On some plans. 5 of the 6 insurers we compare include third-party liability, which pays if your pet hurts someone or damages their property, on at least one plan; 1 sells it only as an add-on. Limits differ. The cheapest plan at an insurer may not include it, so check the plan you pick.
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, Chubb DBS Pawsome Protect Premier (underwritten by Chubb) is the cheapest plan that covers it, at S$349.33 today, GST included. The median of each insurer's lowest price is S$497.07.