Compare before you renew as is. Today the lowest price on this page is S$392.40, from Liberty. That is the example's price for a dog not yet microchipped, not what you will pay. Two insurers price it today, and the range is wide, so your renewal notice deserves a second look.
Prices today: dog, not yet microchipped
| Insurer | Plan | Premium | As at |
|---|---|---|---|
| LibertyPetCare Adogable PlanBuy Now | PetCare Adogable Plan | S$392.40 | 9 Oct 2026 |
| IncomeFurryBuy Now | Furry | S$506.78 | 16 Oct 2026 |
As of 12 Nov 2026 (Singapore time). All prices include 9% GST. "As at" is the date we read the insurer's published price table. A price with today's date comes from the insurer's live rates.
Your renewal notice arrives. The premium is there, the date is there, and a polite line says your cover will continue. It is easy to pay and move on. Here is what to check first.
What has changed since last year
Your dog is older. The example covers a dog aged 8 weeks to 9 years. A birthday may move your dog closer to the edge of an age band. Action: write down your dog's age today, then look for any upper age limit on each plan you compare.
Your answers may be different. The example assumes no known conditions. If your dog has been diagnosed with something since you last bought, that is no longer true for you. Conditions your pet already had before cover started are not covered, and a new insurer will ask. Action: list every vet visit since the last renewal, including the small ones.
The microchip question. The example assumes your dog is not microchipped. If you have had the chip put in since, you are no longer the example, and prices may differ. If you have not, you match it. Action: answer every question as it stands today, not as it stood last year.
The market has moved. Prices change, and last year's good deal may not be this year's. Today the example's prices run from S$392.40 to S$1,471.50. Action: treat those two figures as a rough frame for your own check, nothing more.
What the renewal notice leaves out
A renewal notice is a reminder, not a comparison. It tells you what your current cover costs. It does not tell you what else is out there.
- Other prices. The notice will not show what other insurers charge for the same dog.
- Changes to the terms. Wording can shift between years. Look at what is covered and what is not.
- What was never covered. Routine care such as vaccinations, grooming and neutering is outside pet cover. So are breeding, pregnancy and birth. Restricted breeds, for example Akitas and Pit Bull types, are also excluded.
- How claims work. The notice rarely explains how a claim goes. Our claims page sets out the process.
Action: put the new notice next to last year's and read both. If a line has changed, find out why before you pay.
What to compare the renewal price against
A price means little until you know what it buys. Start with the cover itself. The site describes pet insurance as covering:
- vet bills for accidents and illness, including surgery
- third-party liability if your pet hurts someone or damages property
- cremation or burial costs
- boarding fees if you are in hospital
Check that your renewal still has all four. Then look at the price. Today two insurers price this example, and the spread between the lowest and highest is large. A big gap can mean a different level of cover, so do not read it as a simple saving.
The price page for a dog not yet microchipped shows today's example. You can also use the pet comparison to rank plans by premium or by a value score. A price is confirmed when you press Buy Now, so treat everything before that as a guide.
Action: put your renewal premium beside the example's range, and note what each plan covers.
The timing: when cover ends and when to switch
Find the end date. It is on the notice. Put it in your phone calendar today.
Start early. Comparing takes less time than you think. It takes more when the date is tomorrow. Start when the notice arrives, not on the last day.
Avoid a gap. If your old cover ends before the new one starts, your dog is uninsured in between. Anything that happens in that gap may count as a pre-existing condition for the new policy. Aim for the new cover to start the day the old one ends.
Do not cancel first. Confirm the new policy is in place before you stop the old one.
Action: set a reminder for a few weeks before the end date, and use it to compare.
Mistakes people make at renewal
- Paying without looking. Auto-renewal is convenient. It is also the point where you stop comparing.
- Not mentioning a new condition. Leaving out a diagnosis can cause trouble when you claim. Disclose what you know.
- Comparing price alone. A lower premium with thinner cover is not the same product. Compare what is covered too.
- Forgetting the exclusions. Routine care and restricted breeds are not covered. Do not assume otherwise.
- Treating example prices as a quote. The figures here are for a stated example. Your dog, age and history decide your own price.
- Leaving a gap. Waiting until the cover has ended leaves your dog exposed.
Action: pick the one mistake above that sounds most like you, and fix it this time.
Frequently asked questions
Should I renew as is or compare?
Comparing costs you little and shows you where your price sits. Today two insurers price this example, so there is something to compare against. If your renewal looks fair against the range and the cover is unchanged, renewing is a choice you can make with your eyes open.
Does it matter that my dog is not microchipped?
The example assumes a dog that is not microchipped, with no known conditions. If your dog has been chipped since, your situation differs from the example, and prices may differ too. Answer every question as things stand today.
What does pet insurance not cover at renewal?
Conditions your pet already had before cover started are not covered. Routine care such as vaccinations, grooming and neutering is excluded, as are breeding, pregnancy and birth. Restricted breeds, for example Akitas and Pit Bull types, are also left out.
Are the prices on this page what I will pay?
No. They are today's prices for the example: a dog aged 8 weeks to 9 years, not microchipped, with no known conditions. Your own price is confirmed when you press Buy Now.
Compare pet insurance for dog, not yet microchipped today
The prices on this page update daily. See every plan priced for dog, not yet microchipped, ranked by premium, with what the example assumes, or get a quote with your own details through Shenton Brokers.