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Which dog breeds and conditions do pet insurers exclude?

What each pet insurer's policy details list today on excluded dog breeds, and hereditary and congenital conditions, and which insurers rate by breed. Read the policy wording before you buy.

By , Writer · Prices as of 12 Nov 2026, GST included.

Compare every insurer we price for a dog on one page: https://shentonbrokers.com/prices/pet/dog-mixed-3-years

Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/pet-insurance-excluded-breeds

Pet insurance promotions today: MSIG, 25% off. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.

Excluded dog breeds

  • Chubb: Excluded dog breeds: Pit Bull types (incl. American Pit Bull Terrier, American Staffordshire Terrier, Staffordshire Bull Terrier, American Bulldog), Akita, Neapolitan Mastiff, Tosa, Dogo Argentino, Fila Brasileiro, Boerboel, Perro de Presa Canario, and crosses of these Cheapest plan for a mixed-breed dog today: DBS Pawsome Protect Premier (underwritten by Chubb), S$349.33 a year. Buy Now
  • India International: Excluded breeds: Pit Bull types (incl. American Staffordshire Terrier), Akita, Neapolitan Mastiff, Tosa, Dogo Argentino, Fila Brasileiro, Boerboel, Perro de Presa Canario, Bull Terrier, Doberman, Rottweiler, German Shepherd types, Mastiffs, and crosses of these Cheapest plan for a mixed-breed dog today: i-Fur Kidz Pally, S$343.35 a year. Buy Now

Rating by breed: Chubb, Etiqa, Income, MSIG rate by breed when you buy. No insurer's online table prices breed.

Hereditary and congenital conditions

  • Chubb: Non-specified hereditary and congenital conditions; non-specified neutering and spaying conditions; elective, cosmetic and preventive procedures Cheapest plan for a mixed-breed dog today: DBS Pawsome Protect Premier (underwritten by Chubb), S$349.33 a year. Buy Now
  • Etiqa: Congenital and hereditary conditions, unless the complimentary cover is obtained by submitting a vet's Clinical Examination Form within 30 days of purchase (12-month waiting period) Cheapest plan for a mixed-breed dog today: Tiq Pet Insurance Pawsome, S$310.67 a year. Buy Now
  • Liberty: Pre-existing, hereditary, congenital and skin conditions Cheapest plan for a mixed-breed dog today: PetCare Adogable Plan, S$392.40 a year. Buy Now
  • MSIG: Hereditary and congenital conditions other than the five listed (covered only for pets enrolled below age 6, after 12 months) Cheapest plan for a mixed-breed dog today: PawEasy PawPat, S$399.58 a year. Buy Now

Your pet's breed: Mixed-breed dog, Singapore Special, Toy Poodle, Maltese, Shih Tzu, Pomeranian, Golden Retriever, Labrador Retriever, Corgi, Miniature Schnauzer, Chihuahua, Jack Russell Terrier, Dachshund, French Bulldog, British Bulldog, Pug, Beagle, Siberian Husky, Samoyed, Shiba Inu, Japanese Spitz, Yorkshire Terrier, Bichon Frise, Cavalier King Charles Spaniel, Cocker Spaniel, Maltipoo, German Shepherd, Border Collie, Akita, Domestic short hair, British Shorthair, Scottish Fold, Ragdoll, Persian, Maine Coon, Siamese, Bengal, Exotic Shorthair, Munchkin, Sphynx, American Shorthair, Russian Blue, Abyssinian, Singapura. Every breed's quotes.

Compare pet insurance for your own pet.

Buy Now addresses

Each listed insurer's best-value plan for dog, microchipped, lowest premium first.

Questions people ask

Does the breed change the price of pet insurance?

At some insurers, yes: Chubb, Etiqa, Income, MSIG rate by breed when you buy. No insurer's online table prices breed, so these prices are for a mixed-breed dog or a domestic cat.

Do pet insurers exclude some dog breeds?

Yes. Chubb, India International name excluded breeds in the wording. Each breed's quote page says what the insurers say about that breed.

Does pet insurance cover hereditary conditions?

Check before you buy: Chubb, Etiqa, Liberty, MSIG list hereditary or congenital conditions in the exclusions. Each breed's quote page quotes the wording.