Review: Liberty PetCare the First Pet Insurance in Singapore

Singapore Pet Insurance | Vanillapup

In search of a pet healthcare insurance? Let us review the Liberty PetCare insurance with you – eligibility, premiums, coverage, benefits, and restrictions.

[Updated as of April 2017]

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.

Liberty PetCare by Liberty Insurance Singapore | Vanillapup


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

You can also email Liberty PetCare representative, Carey at careyang61@gmail.com or give her a call at 9799 1728 for more information.

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

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Latte is the happy Westie behind Vanillapup, a website for dog lovers. Discover latest products and services, dog-friendly hangouts, helpful tips and advice, and exclusive perks.


  1. Rowan

    January 7, 2015 at 3:37 pm

    Hi Latte’s mom, there is another new insurance now by MSIG, called Happy Tails. Would love to hear your views about it, though it seems to me that the deductible seems rather high ><

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