PetCare by Liberty Insurance for Comprehensive Pet Insurance Coverage

As a loving pet parent, you’ll be reassured to know that PetCare, Liberty’s pet insurance plan, takes care of your furry friend’s vet expenses and provides coverage for various common occurrences throughout their lifetime.

Our furry friends deserve protection—just like us. Pets can fall ill and require costly medical care, or they might accidentally cause damage.

Thankfully, you can shield yourself from these expenses by choosing a reputable pet insurance provider. In Singapore, numerous providers offer unique products and benefits, and Liberty Insurance stands out with its PetCare plan.

Let’s dive into what this plan offers for your beloved pet.

PetCare at a glance

No medical examination is required before coverage, subject to fulfilling the insured pet’s eligibility requirements
Vet bills coverage including accidental injury, non-surgical treatment, and surgical treatment

Freedom of vet choice to visit for treatment at any vet in Singapore
No claim discount benefits
Third-party liability arising from owning the insured pet

Core features

Up to S$3,000 for vet expenses due to accidental injury or non-surgical treatment
Up to S$10,000 for vet expenses due to surgical treatment
Up to S$500,000 for third-party liability due to owning the insured pet
No claim discount for up to 15%, provided there have been no claims for 3 consecutive years

Unique feature

PetCare brings you one of the most extensive pet insurance coverages in the market.

PetCare benefits and coverage

PetCare offers three tiers of insurance coverage—Standard Plan, Enhanced Plan, and Superior Plan. Pet owners seeking the basic comprehensive sum coverage can go for the Standard Plan, while the Enhance and Superior Plans offer more in terms of the coverage sum insured.

Benefits	Standard Plan*	Enhanced Plan*	Superior Plan*
Accident
Accidental Death Death of the insured pet due to accidental injury	S$1,000	S$2,000	S$3,0000
Accidental Injury Vet expenses arising from accidental injury	S$500	S$750	S$3,000
Theft Loss due to reported theft (Not applicable to cats)	S$300	S$500	S$1,250
Medical
Illness Vet expenses for non-surgical treatment	S$500	S$750	S$3,000
Illness Vet expenses for surgical & treatment	S$1,500	S$2,000	S$10,000
Liability
Third-party Liability Arising from owning the insured pet	S$100,000	S$250,000	S$500,000

*Benefit Limit (per incident and in the aggregate)

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Co-insurance percentages and deductible

Co-insurance percentages and deductibles apply for Accidental Injury, Medical Illnesses, and Third-party Liability, based on the following sums and percentages.

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	Not Applicable	Not Applicable
Accidental Injury Vet expenses arising from accidental injury	Not Applicable	S$50
Theft Loss due to reported theft (Not applicable to cats)	Not Applicable	Not Applicable
Medical
Illness Vet expenses for non-surgical treatment	50%	Not Applicable
Illness Vet expenses for surgical & treatment	30%	Not Applicable
Liability
Third-party Liability Arising from owning the insured pet	Not applicable	S$500

No claim discount

No Claim Period	Discount Available
One year	5%
Two Consecutive Years	10%
Three Consecutive Years	15%

Related Story: Guide to Pet Costs and Pet Insurance in Singapore

Premium costs

Premium costs can be paid by AXS, cheques, and credit cards. For credit card payments, you can opt for auto-renewal by annual GIRO payments. Do note that for the credit card option, a minimum premium sum of S$500 applies, and it is also subject to the credit card’s terms and conditions.

Annual Premium Table (SGD)

Plan Type

Standard Plan

Enhanced Plan

Superior Plan

Annual Premium (including prevailing GST)

S$353.27

S$454.20

S$757.00

Why does PetCare work for you?

Liberty Insurance’s PetCare is the best match for pet owners seeking holistic insurance coverage for their furry companions. Unlike certain brands that exclude specific dog breeds, this plan extends its protection to all breeds of cats and dogs in Singapore.

While these plans cost more premium-wise, PetCare is the only pet insurance plan in the market that combines medical and accident coverage. So, if you’re seeking overall coverage for your dog or cat, look no further than PetCare’s plans.

*as of 20 September 2023

Eligibility requirements

For your pet to be eligible for insurance coverage, there are five criteria that must be met. Your pet must:

Be micro-chipped
Residing in the same premises as you on a regular basis
Be at least 8 weeks – no more than 9 years old at the insurance enrolment date
Not be a working dog e.g. a guide dog or a guard dog
Not a dog or cat used for breeding

To ensure that your dog or cat receives insurance coverage without the hassle of applying and facing denials, we recommend reading the policy wording thoroughly before purchasing any pet insurance plan.

What to look for when reading a pet insurance policy wording

Consider looking into the following:

Eliminate plans that don’t cover your pet type i.e. dog, cat, etc.
Does the plan exclude certain specific insurance coverage needs you require?
Are there eligibility clauses that don’t match e.g. requiring your pet to be micro-chipped?
Does the plan offer the coverage you need most e.g. loss or accidental damage?
Is the plan affordable to you?
Are you getting the best value out of your pet insurance plan?
Does the insurance require co-payment at a percentage and deductible that’s acceptable to you?

Always ensure that you have a level of understanding of the benefits, exclusions, and potential out-of-pocket expenses you might have to cover.

Policy exclusions

Based on PetCare’s website page, these are the following exclusions that apply for the insurance policy:

Theft due to intentional, neglectful, or preventable acts
Liability due to intentional, neglectful, or preventable acts
Pre-existing, hereditary, congenital, and skin conditions your pet may suffer from
Day-to-day care e.g. vaccinations, vitamins, supplements, grooming, training.
Dental-related issues e.g. damage to teeth and gums, unless due to an accident
Illnesses in relation to endoparasites or ectoparasites, hip dysplasia, rabies
Elective procedures and treatments e.g. nail clipping, tail docking, debarking, etc.

How do I make a claim?

The process for a pet insurance claim with Liberty Insurance is seamless. You would need to:

Fill out a PetCare claim form and mail the supporting documents to this address: 51 Club Street Liberty House Singapore 069428
Obtain an Acknowledgement Form which serves as a confirmation from Liberty Insurance receiving your pet claim form
Liberty Insurance will process your claim once the original documents have reached them
Once your claim has been processed, you will receive an email from Liberty Insurance informing you that your payment is credited based on your selected mode of payment

Enquire more and contact us today!

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Disclaimer: Protected up to specified limits by SDIC. This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that is not suitable for you may impact your ability to finance your future financial needs. If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.

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