Pet insurance
Does pet insurance cover vaccinations?
As of 28 Oct 2026 (Singapore time)
No. All 6 insurers we compare exclude vaccinations and other routine or preventive care, such as check-ups, grooming and supplements; 1 covers them only with a wellness add-on. Pet insurance pays for accidents and illness, and several plans expect your pet to be vaccinated, so keep them up to date.
The figures
- Insurers compared: 6, with 22 plans between them.
- Insurers that exclude it on every plan: 6, 1 of them with exceptions.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| LibertyExcluded, with exceptionsfrom S$392.40 | Excluded, with exceptions | PetCare Adogable Plan5 of its 5 plansExcluded: Day-to-day care (vitamins, supplements, training, grooming; vaccinations unless the plan has Wellness Care)Excluded: 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$392.40 |
| ChubbNofrom S$203.36 | No | DBS Pawsome Protect Classic (underwritten by Chubb)3 of its 3 plansExcluded: Non-specified hereditary and congenital conditions; non-specified neutering and spaying conditions; elective, cosmetic and preventive procedures | S$203.36 |
| 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$310.67 |
| India InternationalNofrom S$343.35 | No | i-Fur Kidz Pally4 of its 4 plansExcluded: Preventive care treatment | S$343.35 |
| MSIGNofrom S$399.58 | No | PawEasy PawPat3 of its 3 plansExcluded: Pre-existing conditions, routine and preventive treatmentExcluded: Pet must be 16 weeks to 9 years old at commencement, vaccinated, healthy, microchipped and licensed to you; maximum renewal age 13 | S$399.58 |
| IncomeNofrom S$506.78 | No | Furry3 of its 3 plansExcluded: Routine, preventive and elective treatment: vaccinations, parasite control, dental scaling, sterilisation | 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 vaccinations?
No. All 6 insurers we compare exclude vaccinations and other routine or preventive care, such as check-ups, grooming and supplements; 1 covers them only with a wellness add-on. Pet insurance pays for accidents and illness, and several plans expect your pet to be vaccinated, so keep them up to date.
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.