Compare the Best Pet Insurance (Dogs & Cats) in Singapore (2022)

What is Pet Insurance and How do I get it?

Pet insurance is essentially a policy that covers some of the healthcare costs for your pets. Animals, just like humans, get sick, and become more susceptible to illness and injury as they get older. They can also become the victims of accidents and require sudden and expensive emergency procedures to save their life

There are many different options to find pet insurance– you can either do the work yourself and research all the different providers or go through an agent to determine which policy is a good fit for your pet and also, your budget. Many companies provide comparable quotes on their websites or have customer service representatives to help guide you through the process.

On ROSHI we’ve done most of the work for you – all we need is your zip code and the type of pet, and we will deliver you a great list of companies to choose from. You can see each company’s ratings and reviews, and when you’ve decided, you can click on the link of your preferred company to get a detailed quote.

Do I really need Pet Insurance?

Many are hesitant to get pet insurance, especially if the pet is healthy to begin with. Ongoing insurance costs can get expensive, but arguably they are much more manageable than sudden out-of-pocket costs that emerge from unexpected accidents and illnesses. Many pet parents who decide not to get pet insurance, find themselves in the agonising position of choosing between paying high surgical fees or euthanising their pets. Treatment of long-term illnesses are not to be underestimated either as those costs can also stack up very quickly over time, e.g. cancer will require a cornucopia of prescribed medication, medical testing and medical procedures.

Best Pet (Dogs & Cats) Insurance in Singapore (2022)

Different types of Pet Insurance

There are a few things to consider when buying healthcare for your pet:

• Whether or not you want to specifically cover illness OR accidents (you can buy these coverages separately but it’s often best to buy both).
• Whether or not you want to cover dental work.
• Whether or not you want to include spaying (some companies offer it for special breeds, e.g. Rottweilers).
• Whether you need a custom health plan for an exotic pet.

Also, there are two mechanisms of payment:

• The first – where your vet submits a claim to the insurance company to receive payment (so the insurance company pays your vet directly).
• The second – where you pay the full amount to your veterinarian, then submit the claim to the insurance company for reimbursement.

Things to Compare

Extra Coverage

Like other insurance policies, pet insurance often lets policy holders select extras to accompany the main content. These extras may incur an extra cost so should be considered carefully and selected based on what will be the most beneficial. Examples include, but are not limited to:

• Overseas pet travel insurance
• Essential euthanasia
• Emergency boarding
• Routine care
• Dental illness.

Things to Avoid

• Don’t underestimate limits and deductables –combining policy limits with deductible costs can considerably reduce your reimbursement percentage. For example, if you claim $2000 with a compensation of 80% you would think you would be able to claim $1600, however if you had a deductible of $500, you will only be able to claim $1100.
• Don’t paying premiums following a pet’s death. Premium payments should end in the event of the pet’s death however some policies continue (sometimes for a full year) unless they are directly cancelled.
• Ask if you’re confused by policy information. Clarify what is and isn’t included in the policy as well as when claims can be expected to be paid.
  Understand senior and chronic care coverage. During your pet’s senior years double check if chronic and recurring care is covered, otherwise they may be out of cover during a critical period.