Veterinarian woman in blue uniform checks the health of pet

Key benefits

1

Coverage of vet bills arising from accident or illness

2

Freedom of vet choice

3

Includes third party liability cover

4

Wellness care benefit for Furtastic, Ultipaw and Pawsh plans

PetCare - Safeguarding our best companions

PetCare is Singapore’s first pet insurance policy that provides comprehensive coverage to you and your pet dog or cat. It offers financial protection should you incur medical and surgical expenses due to illness or accidents that may befall your beloved pet. As devoted pet owners, it is comforting to know this policy covers up to 80% of vet bills and a range of common events during the life of your pet.

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Vet bills coverage

Compensates up to S$5,000 for vet expenses non-surgical treatment, and up to S$18,000 for vet expenses for surgical treatment
Payment

No medical examination required

Prior medical examination of insured pet is not required before coverage, subject to the fulfilment of eligibility of insured pet
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Third party liability

Compensates up to S$500,000 for third-party liability arising from owning the insured pet
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Freedom of vet choice

No restriction on which vet in Singapore to visit for treatment
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No-claim discount

Enjoy no claim discounts of up to 15% if there are no claims in the preceding three consecutive years
Paw

Wellness care

Compensates up to S$200 for wellness care such as vaccination, teeth cleaning or polishing, spaying or neutering

Do you want reassurance for your pet dog or cat?

Compare our plans and choose the one that suits you

Description

Co-insurance percentage to be borne by the Insured
(per incident)

Deductible per incident

Accident

Accidental Death
Death of the Insured Pet due to Accidental Injury

Co-insurance percentage to be borne by the Insured
(per incident)

N.A.

Deductible per incident

N.A.

Accidental Injury
Vet expenses arising from Accidental Injury

Co-insurance percentage to be borne by the Insured
(per incident)

N.A.

Deductible per incident

S$50

Theft
Loss due to reported theft (Not Applicable to Cats)

Co-insurance percentage to be borne by the Insured
(per incident)

N.A.

Deductible per incident

N.A.

Final Expenses Benefit
Cost and expenses incurred for euthanasia, cremation, funeral service and handling charges following Accidental death of the Insured Pet

Co-insurance percentage to be borne by the Insured
(per incident)

N.A.

Deductible per incident

N.A.

Medical

Illness
Vet Expenses for non-surgical treatment

Co-insurance percentage to be borne by the Insured
(per incident)

50%

Deductible per incident

N.A.

Illness
Vet Expenses for surgical treatment

Co-insurance percentage to be borne by the Insured
(per incident)

 

20% (Insured Pet enrolled before age 5)
30% (Insured Pet enrolled before age 9)

 

Deductible per incident

N.A.

Liability

Third-party Liability
Arising from owning the Insured Pet

Co-insurance percentage to be borne by the Insured
(per incident)

N.A.

Deductible per incident

S$500

Wellness Care (Annual Limit)

- Vet examination and Vaccination
- Teeth cleaning or polishing
- Spaying / Neutering

Co-insurance percentage to be borne by the Insured
(per incident)

N.A.

Deductible per incident

N.A.

Description

Adogable Plan1

Ameowing Plan1

Furtastic Plan1

Ultipaw Plan1

Pawsh Plan1

Accident

Accidental Death
Death of the Insured Pet due to Accidental Injury

Adogable Plan1

S$1,000

Ameowing Plan1

S$2,000

Furtastic Plan1

S$3,000

Ultipaw Plan1

S$5,000

Pawsh Plan1

S$8,000

Accidental Injury
Vet expenses arising from Accidental Injury

Adogable Plan1

S$700

Ameowing Plan1

S$1,500

Furtastic Plan1

S$3,500

Ultipaw Plan1

S$5,000

Pawsh Plan1

S$7,000

Theft
Loss due to reported theft (Not applicable to cats)

Adogable Plan1

S$300

Ameowing Plan1

S$500

Furtastic Plan1

S$1,500

Ultipaw Plan1

S$2,000

Pawsh Plan1

S$3,000

Final Expenses Benefit
Cost and expenses incurred for euthanasia, cremation, funeral service and handling charges following Accidental death of the Insured Pet

Adogable Plan1

S$200

Ameowing Plan1

S$300

Furtastic Plan1

S$400

Ultipaw Plan1

S$500

Pawsh Plan1

S$600

Medical

Illness
Vet expenses for non-surgical Treatment

Adogable Plan1

S$700

Ameowing Plan1

S$1,500

Furtastic Plan1

S$3,500

Ultipaw Plan1

S$4,000

Pawsh Plan1

S$5,000

Illness
Vet Expenses for surgical treatment

Adogable Plan1

S$2,500

Ameowing Plan1

S$4,000

Furtastic Plan1

S$11,000

Ultipaw Plan1

S$14,000

Pawsh Plan1

S$18,000

Liability

Third-party Liability
Arising from owning the Insured Pet

Adogable Plan1

S$100,000

Ameowing Plan1

S$250,000

Furtastic Plan1

S$500,000

Ultipaw Plan1

S$500,000

Pawsh Plan1

S$500,000

Wellness Care (Annual Limit)

- Vet examination and Vaccination
- Teeth cleaning or polishing
- Spaying / Neutering

Adogable Plan1

N.A.

Ameowing Plan1

N.A.

Furtastic Plan1

S$100

Ultipaw Plan1

S$150

Pawsh Plan1

S$200

1 Benefit Limit (per incident & in the aggregate)

Annual Premium Table (SGD)

Description

Adogable Plan

Ameowing Plan

Furtastic Plan

Ultipaw Plan

Pawsh Plan

Annual Premium

Adogable Plan

S$392.40

Ameowing Plan

S$504.67

Furtastic Plan

S$840.39

Ultipaw Plan

S$1,016.97

Pawsh Plan

S$1,471.50

Premiums above include prevailing GST

No-claim Discount

Period of Insurance

Discount on Premium in Next Policy Renewal

The preceding year

Discount on Premium in Next Policy Renewal

5%

The preceding two consecutive years

Discount on Premium in Next Policy Renewal

10%

The preceding three consecutive years

Discount on Premium in Next Policy Renewal

15%

A discount will be granted on the renewal premium if no claim has been made under the Policy in the preceding year.

The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions.

Important Information

Please read carefully before purchasing PetCare

Eligibility
  • The Insured Pet must:
    • be at least 8 weeks old and below 9 years old at the Policy Commencement Date of the first Period of Insurance;
    • be microchipped and licensed;
    • be residing regularly in the same premises as the Insured in Singapore;
    • complete all required Vaccinations;
    • not be a Working Pet or a Racing Dog; and
    • not be a dog or cat used for breeding purpose
  • The Insured must:
    • be the registered owner of the Insured Pet as well as the policyholder of the insurance; and
    • be a Singapore Citizen, a Permanent Resident of Singapore, or a foreigner with valid Work Permit, Employment Pass, Dependent’s Pass, Student Pass or Long Term Visit Pass
Major Exclusions
  • Pre-existing, Hereditary, Congenital and Skin Conditions
  • Any Condition which occurs within the Waiting Period
  • Any occurrence or Illness developed or caused by any factor while the Insured Pet is outside Singapore
  • Liability arising from any intentional or preventable act
  • Theft arising from any intentional, neglectful or preventable act
  • Day to day care e.g. vitamins, supplements, Vaccinations (unless selected plan has Wellness Care benefit), training, grooming
  • Conditions related to breeding or pregnancy, whelping and/or queening
  • Insured Pet is used for commercial or occupational purposes
  • Treatment of or Conditions attributable to behavioural problems
  • Damage to teeth and gums unless as a result of an Accident
  • Illness related to endoparasites or ectoparasites, hip dysplasia, rabies
  • House calls and out-of-hours Treatment
  • Elective procedures and treatments e.g. nail clipping, tail docking, debarking
  • Cosmetic procedures
  • Malicious act, deliberate injury or gross negligence caused by the Insured or anyone living with the Insured Pet or any other persons who have care, custody, or control of the Insured Pet
  • Insured not complying with all statutory or other obligations and regulations as Insured Pet’s owner

The above is a summary of major exclusions only. For details, please refer to the Policy provisions.

Important Notes

1. Applicable to dog breeds from Animal & Veterinary Service (AVS) Specified Dogs list (refer to dog and cat licensing)
    a. The Third Liability limit will be reduced to S$100,000 for Ameowing Plan, Furtastic Plan, Ultipaw Plan and Pawsh Plan
    b. Dogs must be muzzled and leashed when in a public place

Downloads

Brochure
Policy Wording - Applicable to policies effected on/after 10 Jan 2025
Policy Wording - Applicable to policies effected before 10 Jan 2025
Proposal Form
Notes icon

Notes

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please Contact us (sgservicecenter@libertymutual.com) or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

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