Pet insurance
How Income prices pet insurance
Priced online
What the figures include
The table's figures are before GST. We add 9% GST to each price.
Prices from this table are as at 16 Oct 2026, the day we last checked them against Income's own online quotes.
A plan's premium is its base figure, times each factor that applies, plus any additions. It is never below the plan's minimum. Version 1, live since 16 Oct 2026.
Plans and how each is priced
Furry
Offered when Pet's age up to 9 years
| Pet | Figure |
|---|---|
| Cat | S$303.68 |
| Dog | S$464.94 |
Excess S$250.00
The figure is an estimate when any of these are true: Pet's age 0 years or more. Priced for a 3-year-old mixed-breed pet: the premium rises with the pet's age, and pedigree dogs cost more than the mixed-breed figure here (a Golden Retriever about 30% more).
Furbulous
Offered when Pet's age up to 9 years
| Pet | Figure |
|---|---|
| Cat | S$371.16 |
| Dog | S$568.26 |
Excess S$250.00
The figure is an estimate when any of these are true: Pet's age 0 years or more. Priced for a 3-year-old mixed-breed pet: the premium rises with the pet's age, and pedigree dogs cost more than the mixed-breed figure here (a Golden Retriever about 30% more).
Furrific
Offered when Pet's age up to 9 years
| Pet | Figure |
|---|---|
| Cat | S$496.01 |
| Dog | S$759.40 |
Excess S$250.00
The figure is an estimate when any of these are true: Pet's age 0 years or more. Priced for a 3-year-old mixed-breed pet: the premium rises with the pet's age, and pedigree dogs cost more than the mixed-breed figure here (a Golden Retriever about 30% more).
Worked examples
We check the table against these cases before it goes live. Each one matches the insurer's own price to the cent. The working shows where each figure comes from and the sums that give the premium.
| Example | Answers | Working | Premium |
|---|---|---|---|
| Furry, mixed-breed dog aged 3 (funnel: S$506.78 a year)Furry |
|
| S$506.78 |
| Furbulous, domestic cat aged 3 (funnel: S$404.56)Furbulous |
|
| S$404.56 |
| Furrific, mixed-breed dog aged 3Furrific |
|
| S$827.75 |
Where the figures come from
- The plan-selection step: Furry S$506.78 / Furbulous S$619.40 / Furrific S$827.75 for that dog (incl. GST), the key-benefits table and the HTPLC voucher banner read 16 Oct 2026
- Happy Tails brochure: plan benefits read 16 Oct 2026
- Policy conditions (June 2025): the 20/30/40% co-insurance by enrolment age, the S$250 deductible per incident, and the exclusions read 16 Oct 2026
Plus 4 files of saved quotes, data and screenshots from Income's online quote tool, kept with the table.
Before going live the table was checked against the insurer's own online quotes.
Your own premium depends on your answers. You finish buying on the insurer's own site, where you pay and they issue the policy.