Pet insurance comparison

Singapore has four pet insurers (Liberty, Income, MSIG, Etiqa) and Malaysia two (Oyen, MSIG). All exclude pre-existing conditions, all have illness waiting periods of 14 to 90 days, and most stop taking new pets at 9. Filter by country, pet and age, then enter a vet bill to see roughly what each plan would pay.

Free · no sign-up · works on your phoneUpdated 14 September 2026
Country
Pet

Liberty PetCare

Can enrol at 2 yrs
On a S$3,000 eligible claim, entry-age co-insurance, pays aboutS$2,400you pay 20%; per-incident cap
Premium
Quote only; Feb 2026 reviews report S$392.40–1,471.50 a year across five tiers (cats reported about 20% cheaper)
Limit
Up to S$18,000 surgical and S$5,000 non-surgical per incident (top tier)
Co-insurance
20% surgical if enrolled before 5; 30% before 9; 50% on non-surgical
Deductible
None stated
Entry age
8 weeks to under 9 years
Waiting period
Accident 1 month · Illness 3 months
Hereditary
Hereditary, congenital and skin conditions listed as exclusions — read the wording
Liability
Third-party liability up to S$500,000

Insurer page · Our review

Income Happy Tails

Can enrol at 2 yrs
On a S$3,000 eligible claim, entry-age co-insurance, pays aboutS$2,150you pay 20% plus a S$250 deductible; capped at the lowest tier's limit
Premium
Reviewer-quoted examples: S$596.38 a year (dog) and S$389.52 (5-year-old cat) on the entry Furry tier
Limit
S$8,500 / S$15,000 / S$27,000 a year (Furry / Furbulous / Furrific)
Co-insurance
20% if enrolled before 4; 30% before 7; 40% before 9
Deductible
S$250 per incident
Entry age
16 weeks to under 9 years
Waiting period
Accident None stated (from start date) · Illness 90 days
Hereditary
Covered after 12 months if enrolled before age 6
Liability
Third-party liability up to S$1 million

Insurer page · Our review

MSIG PawEasy

Can enrol at 2 yrs
On a S$3,000 eligible claim, entry-age co-insurance, pays aboutS$2,200you pay 20% plus a S$200 deductible; capped at the lowest tier's limit
Premium
Cats from S$241.95 a year (PawPat tier, reviewer-quoted); dogs quote only
Limit
S$5,000 / S$10,000 / S$20,000 a year
Co-insurance
20% if enrolled before 5; 40% from 5 to 9
Deductible
S$200 per surgery
Entry age
16 weeks to 9 years
Waiting period
Accident 14 days · Illness 60 days
Hereditary
12 months, only if enrolled under 6; not covered at all if 6 or older
Liability
Check plan schedule
Notes
Requires microchip and licence; excludes spay/neuter and vaccinations

Insurer page · Our review

Etiqa (Tiq) Pet Insurance

Can enrol at 2 yrs
On a S$3,000 eligible claim, entry-age co-insurance, pays aboutS$2,200you pay 20% plus a S$200 deductible; capped at the lowest tier's limit
Premium
Quote only
Limit
S$10,000 / S$20,000 / S$30,000 / S$45,000 lifetime
Co-insurance
20% if enrolled before 4; 30% before 9
Deductible
S$200 illness / S$50 accident
Entry age
8 weeks to under 9 years
Waiting period
Accident 1 month · Illness 3 months
Hereditary
12 months, and only if a clinical examination form is submitted within 30 days of purchase
Liability
Check plan schedule
Notes
Limits are lifetime, not annual

Insurer page · Our review

The payout estimate assumes the claim is fully eligible (past the waiting period, not pre-existing or excluded) and uses the entry-age co-insurance band. Real payouts depend on the policy schedule; premiums are shown only where an insurer or a dated review publishes them. Figures as of 2026 from our insurance guides.

How this tool works

Plan terms are taken from the insurers' product pages and policy wordings as of 2026, cross-checked in our insurance guides. The payout estimate applies the plan's deductible, then the co-insurance band for a pet enrolled at its entry age, then caps at the lowest tier's limit (per incident for Liberty, per year for the others, lifetime for Etiqa). It assumes the claim is eligible — past the waiting period, not pre-existing, not an exclusion such as vaccination, sterilisation or dental.

Premiums are printed only where an insurer or a dated review publishes a number; "quote only" means the insurer does not publish a schedule. Age eligibility uses the entry-age ceiling; renewal ages differ and are in the policy wording.

Frequently asked questions

What is the pet insurance waiting period in Singapore?

Accidents are covered immediately (Income) or after 14 days to 1 month (MSIG, Liberty, Etiqa). Illness claims start after 60 days (MSIG), 90 days (Income) or 3 months (Liberty, Etiqa). Hereditary conditions usually need 12 months and enrolment before age 6.

What is the best age to buy pet insurance?

As young as the plan allows — 8 or 16 weeks in Singapore, 12 weeks in Malaysia. Co-insurance is locked at its lowest band for pets enrolled before 4 or 5, hereditary cover needs early enrolment, and anything diagnosed before you buy is excluded for life.

Does pet insurance cover vaccinations, sterilisation or dental?

No. Every plan in Singapore and Malaysia excludes routine and preventive care — vaccinations, deworming, sterilisation, grooming and dental cleaning — unless a wellness add-on is bought. Cover is for accidents and illness.

Sources

  1. Income — Happy Tails Pet Insurance
  2. Liberty Singapore — PetCare
  3. MSIG Singapore — PawEasy
  4. Etiqa Singapore — Tiq Pet Insurance
  5. Oyen — Dog Insurance Malaysia
  6. MSIG Malaysia — Pet Insurance

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