Check the renewal price against the market before you accept it. Today the lowest price on this page is S$310.67, from Etiqa. Six insurers price this example today, from S$310.67 to S$1,471.50. That is the example's price for a microchipped dog with no known conditions, not what you will pay.
Prices today: dog, microchipped
| Insurer | Plan | Premium | As at |
|---|---|---|---|
| EtiqaTiq Pet Insurance PawsomeBuy Now | Tiq Pet Insurance Pawsome | S$310.67 | 15 Oct 2026 |
| India Internationali-Fur Kidz PallyBuy Now | i-Fur Kidz Pally | S$343.35 | 10 Oct 2026 |
| ChubbDBS Pawsome Protect Premier (underwritten by Chubb)Buy Now | DBS Pawsome Protect Premier (underwritten by Chubb) | S$349.33 | 15 Oct 2026 |
| LibertyPetCare Adogable PlanBuy Now | PetCare Adogable Plan | S$392.40 | 9 Oct 2026 |
| MSIGPawEasy PawPatBuy Now | PawEasy PawPat | S$399.58 | 11 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.
The renewal notice has landed, and your dog is a year older. Renewing as is takes one click. Checking takes an evening. Here is what to look at.
What has changed since last year
Your policy renews as if nothing happened. Your dog's year was probably less tidy. Start with your own answers, because they drive the price and the cover.
Your dog's health. Think back over the year. A limp, an ear infection, a skin flare-up: each one means a vet visit. Pet cover does not pay for conditions your pet already had before cover started. A new policy will ask what your dog has had, and the example prices assume no known conditions. If that is no longer true for your dog, the example's prices will not apply to you. Action: list every vet visit from the past year before you compare anything.
Your dog's age. The example assumes a dog aged 8 weeks to 9 years. If your dog is near the top of that band, ask how age affects renewal and any new policy. Action: find the age limits for entry and for renewal in each plan you look at.
The microchip. The example assumes a microchipped dog. Your chip is already in place, but the details attached to it should be current. Action: confirm that the chip number and your contact details match what your insurer holds.
The breed. Restricted breeds, for example Akitas and Pit Bull types, are not covered. If your dog is a mix, think about how the breed would be described on a form. Action: check the restricted list before you move, not after.
The market. Prices move, and insurers move differently. The lowest name last year may not be the lowest name now. Action: treat last year's comparison as out of date.
What the renewal notice leaves out
A renewal notice is a reminder with a price on it. It is not a comparison. Here is what it tends to skip.
- What other insurers charge. It shows your price, never the range. Today that range runs from S$310.67 to S$1,471.50 for the example, which is a wide gap.
- What changed in the cover. Terms can shift between years. The notice may not point to the change, so you have to look for it.
- What you could do instead. It rarely says that leaving is an option.
- What a new customer pays today. Your loyalty may or may not be priced in. The notice will not tell you.
Action: put the schedule next to the notice and read both line by line. Note any item that is new, missing or worded differently.
What to compare the renewal price against
A price on its own tells you little. Compare it against three things.
Today's range for the same example. The price page for this dog shows what each insurer charges today for a microchipped dog with no known conditions. Those are the example's prices. Your own price is confirmed when you press Buy Now.
The same cover, item by item. The site lists what a pet plan can cover:
- 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
Tick off which of these your current plan includes, then check each rival plan against the same list. A low price with a short list is not the same product as a higher price with a long one. Our pet comparison page lines plans up for you.
What is left out. Routine care such as vaccinations, grooming and neutering is not covered. Neither are breeding, pregnancy and birth. If a plan promises one of these, read the wording closely. Action: write the three numbers side by side: your renewal price, today's lowest price, and today's highest. Then ask what the gap buys.
When cover ends and when to switch
Timing is where people get caught.
Know the end date. Cover stops on the date on your schedule, not on the day you decide. Find that date now.
Start early. Comparing takes time, and you may need to answer health questions. Leave room for them.
Do not leave a gap. Set the new start date to match the old end date. Anything that shows up during a gap can count as a condition your dog already had when the new cover begins. That is the one risk worth planning around.
Cancel last. Cancel the old policy only after the new one is confirmed. Action: put the end date in your calendar, with a reminder well before it.
Mistakes people make at renewal
Letting it roll over unread. Renewal is easy to ignore, and that is the point of the design. A quick comparison costs little.
Comparing on price alone. The lowest figure is where to start looking, not where to stop. Check what the plan covers and leaves out.
Leaving out a vet visit. It may seem harmless on a form. A later claim can be put at risk if the visit comes to light. Answer fully.
Switching mid-treatment. If your dog is being treated for something now, a new insurer may treat it as already existing. Ask before you move.
Forgetting how claims work. A cheaper plan is no use if you cannot work out how to claim. Read how claims work before you decide.
Assuming your dog fits the example. The example is a microchipped dog with no known conditions. Your dog may differ. Action: check each assumption against your own dog, and see our pet insurance page for the full picture.
Frequently asked questions
Should I renew as is or compare?
Comparing is a sound habit, because six insurers price this example today and the spread is wide. Renewing as is can still make sense if your cover and your dog's health are unchanged. You will only know once you have seen today's prices.
Will the price on this page be my renewal price?
No. The prices are for the example: a microchipped dog with no known conditions. Your own price is confirmed when you press Buy Now, and it depends on your answers.
What if my dog has a new health condition?
Pet cover does not pay for conditions your pet already had before cover started. A condition that appeared during your current policy may be treated differently by a new insurer. Ask how it would be handled before you switch.
Does the microchip change what the policy covers?
The example assumes a microchipped dog, so the microchip is part of the profile behind today's prices. It does not add cover items. Vet bills, liability, cremation or burial, and boarding are what the plan covers.
Compare pet insurance for dog, microchipped today
The prices on this page update daily. See every plan priced for dog, microchipped, ranked by premium, with what the example assumes, or get a quote with your own details through Shenton Brokers.