Review: Liberty PetCare the First Pet Insurance in Singapore

I remember that within the first week of bringing me home, mama told papa that she wanted someone to pay for my trips to the vet. I found that really strange. Why would anyone do that? And why doesn’t she just stop sending me to the vet? I don’t find it fun anyway. Humans, in general, seem to like to make simple things complicated.

Well, clearly I am missing something because someone actually started what mama calls, “Singapore’s first pet insurance policy” two weeks ago.  According to her, someone would help pay for up to 70% of my vet bills and other events. That sounds like a pretty good deal to me.

Eligibility

The insured pet must:

• Be microchipped
• Reside regularly in the same premise as you
• Be at least eight weeks old and not more than nine years old at the enrolment date
• Not be a working dog, such as a guide or guard dog
• Not be a dog or cat used for breeding purposes

Major Exclusions

• Illness arising from any intentional, neglectful, or preventable act
• Liability arising from any intentional or preventable act
• Pre-existing, hereditary, congenital, and skin conditions
• Day-to-day care, including vitamins, supplements, vaccinations, training and grooming
• Damage to teeth and gums unless as a result of an accident
• Illness related to endoparasites or ectoparasites, hip dysplasia, and rabies
• Elective procedures and treatments, such as nail clipping, tail docking and debarking

What’s good about it:

• Pet owners can use any vet in Singapore
• No medical examination is required
• Covers eligible non-surgical vet expenses
• There’s a no claim discount of up to 15%
• Premium remains the same regardless of your pet’s age (eligible for dogs below eight years old, and the policy covers till 10 years old)

What’s not so good:

• The policy excludes quite a few things to keep the premium low, such as skin, hereditary, and congenital conditions
• Coverage isn’t lifetime (up to age 10 only)

Liberty PetCare | Website

Check out Happy Tails Pet Insurance, Singapore’s second pet healthcare insurance here.