1. What does Pet Insurance Cover?
Pet Insurance provides a comprehensive coverage for your pet(s), which includes Surgical Illness, Non-Surgical Illness Cover, Accidental Injury, Third Party Liability and Funeral Expenses benefits. Currently, we only provide coverage for cats or dogs. 

2. What is Surgical Illness Cover?
If your pet suffers sickness that requires medical attention, we will cover the costs of medical necessary surgical expenses which includes cost for Diagnostic Tests, Veterinarian Fees, Operating Theatre Fees and more.

3. What is Non-Surgical Illness Cover?
If your pet suffers sickness that requires medical attention, we will cover the costs of medical necessary non-surgical expenses which includes cost for Diagnostic Tests, Veterinarian Fees and/or prescribed drugs, injections, dressing and more.

4. What is Accidental Injury Cover?
If your pet suffers accidental bodily injury that requires medical attention due to motor accident, fracture, choking, snake bite, we will cover the costs of medical necessary veterinarian expenses.

5. What is Funeral Expenses Cover?
If your pet dies, or suffers accidental bodily injury or sickness (recommended by a veterinarian to be euthanized), we will cover the cost of cremation, funeral services and/or handling expenses charged.

6. What is Third Party Liability Cover?
If you become legally responsible to pay compensation in the event of accidental bodily Injury to any person and/or accidental loss or damage to property caused by your pet, we will cover the following:

• All legal costs and expenses to legally represent You;
• All legal costs and expenses incurred by You with Our written consent; and/or
• The amount awarded against You by the court in Singapore.

7. What is the complimentary Congenital and Hereditary cover?
We understand that some pets carry genetic conditions due to their breed. That is why we provide complimentary Congenital and Hereditary coverage for the following conditions, subject to a 12-month waiting period and provided it is not a pre-existing condition according to the Clinical Examination Form submitted within thirty (30) days from the purchase date of this policy.

1. Hip and elbow dysplasia;
2. Luxating patella;
3. Glaucoma;
4. Cherry eye;
5. Intervertebral disc disease (IVDD); and/or
6. Conditions requiring femoral head and neck excision.

In order to receive this complimentary cover, you are required to prove that your pet is clinically examined by a Singapore Registered Veterinarian within thirty (30) days from the purchase date. You will need to submit our Pet Insurance Clinical Examination form within thirty (30) days from the purchase date in order to qualify for the complimentary coverage. The complimentary coverage is automatically extended upon the completion and submission of your pet’s clinical examination form and is not applicable for add-on after the purchase or during the renewal of the Pet Insurance policy.

If Your Pet is below six (6) months old and you choose to delay the blood test, you may submit the Clinical Examination Form within 30 days after Your Pet turns six (6) months old, but before Your Pet reaches seven (7) months old, to qualify for complimentary coverage for Congenital and Hereditary Conditions. The Clinical Examination Form can be submitted through our customer portal, TiqConnect after the purchase.

Download the Pet Insurance Clinical Examination Form and bring it along to your vet for the examination.

8. How do I know when my pet(s) complimentary Congenital and Hereditary Conditions coverage is effective?
You will receive an acknowledgement email of the complimentary Congenital and Hereditary Conditions coverage. The complimentary coverage will commence ONLY upon our receipt of the fully completed Clinical Examination Form and Blood Test.

9. What is required in the Clinical Examination Form to qualify my pet for the complimentary Congenital and Hereditary conditions coverage? Download our Pet Insurance Clinical Examination Form and bring it along to your vet for the examination. You will be required to complete a physical examination AND a blood test for your pet in order to be eligible for the complimentary Congenital and Hereditary Conditions coverage.

If the Clinical Examination Form as completed by the Veterinarian reveals that Your Pet has medical conditions that were not declared or detected upon purchase of the Policy, We reserve the right to cancel the Policy. If We cancel the Policy, the Policy will be ineffective from the Effective Date and there will not be any insurance coverage. We will refund the Premium paid to Us but We will not reimburse all costs and fees incurred from the Clinical Examination of Your Pet and the cost of any medical report or Blood Test obtained from the Veterinarian.

10. Which biochemistry test in the Clinical Examination Form is required for the blood test?
All variations of the full blood biochemistry blood test are acceptable.

11. Is Televet/online Vet consultation covered?
No, Televet and online Vet consultations are not covered. Only house calls with physical examination by the Veterinarian will be covered.

12. My pet has a slight elevation in the blood test but the Vet claims that it does not constitute to any existing known conditions. Will my pet still be eligible for the complimentary Congenital and Hereditary Conditions coverage?
A vet memo is required for additional review by our Underwriters. This does not confirm that your pet is eligible for the complimentary Congenital and Hereditary Conditions coverage as the policy will still be subjected to overall review by our Underwriters.

13. What are the required/standard vaccination required for my pet(s) to be eligible for the insurance?
Based on AVS guidelines, your pet(s) will be required to complete all Core vaccines. For information on the required Core vaccines, please refer here.

14. Is X-ray screening considered as a form of Diagnostic test and will it be covered?
Yes, it is a form of diagnostic test and it will be covered in your policy if its deemed necessary by the Vet.

15. Will the blood test of the heartworm medication be covered?
No, it is not covered. All tests or medication pertaining to preventive healthcare such as vaccinations or titer test, flea control, heartworm medication, deworming, nail trim and grooming will NOT be covered.

16. What is Multi-Pet Discount?
Enjoy 5% discount if you insure at least 2 pets and 10% discount if you insure 3 pets.

17. What is No-Claim Discount (NCD)?
No Claim Discount is a benefit that you get to enjoy as a policyholder during your renewal, if your pet has no claims during period of insurance.

18. What are the types of expenses which are not covered?

• • Pre-existing conditions
  • The clinical examination for insurance enrolment
  • Spay/neuter procedures
  • Preventative care

For full details of the terms, conditions and exclusions, please refer to the Policy Wording.

19. How does Deductible and Co-Insurance work?
Deductible is the fixed sum of $200 you have to bear for a claim, before taking into account the Co-Insurance.
Co-Insurance refers to the portion of a claim amount you have to bear. The level of Co-Insurance depends on the age at entry of your pet.

Co-Insurance:

• 20% – For pet enrolled before age 4
• 30% – For pet enrolled before age 9

Example:
Age of entry of pet: 2 years old
Claim amount: $4,000
Deductible: $200
Co-Insurance: 20% (For pet enrolled before 4 years old)
The amount bear by you: ($4,000-$200) x 20%) = $760
Final claim payable: $4,000 – $200 – $760 = $3,040

1. Eligibility of Pet Insurance

1. Your Pet is licensed and You are the registered owner of Your Pet in Singapore;
2. Your Pet is residing with You in Singapore;
3. You must be a Singapore Citizen, or a permanent resident of Singapore, or a foreigner with valid Work Permit or Employment Pass or Dependant’s Pass or Long-Term Visit Pass;
4. Your Pet is micro-chipped and has completed the required vaccination(s);
5. Your Pet is at least eight (8) weeks old and below nine (9) years old at the start date of the Period of Insurance;
6. Your Pet is not a working pet (such as guide dog, hunting dog or attack dog) or racing pet; and
7. Your Pet is not used for breeding purposes.

2. What are the breeds covered?
Refer to the list of Dog and Cats Breeds covered here. For other breeds that are not listed, it will be subjected to manual underwriting.  You may also contact our Customer Care hotline at +65 6887 8777 or email them at customer.service@etiqa.com.sg for further assistance.

3. Can I insure multiple pets under the same policy?
No, only one insured pet can be under one policy. You will need to take up different policies for different pets.

4. Can I insure for more than three (3) dogs?
Based on NParks regulations, a maximum of three dogs is allowed to be kept in any one private (non-HDB residential or commercial) premises.         

5. Can I insure for more than three (3) cats?
Based on NParks regulations, during the transition period, ALL existing pet cats can be kept, if licensed from 1 September 2024 – 31 August 2026.
With effect 1 September 2026, for residents of HDB flats, you can only keep 2 cats (and 1 dog of an approved breed). For residents of private premises, you may keep up to 3 cats or dogs, or a combination of both.

6. Can I insure my cat if I stay in a HDB?
With effect 1 September 2024, all cat owners must apply for a cat license online via the Pet Animal Licensing System (PALS) for all their pet cat(s) before the purchase of our pet insurance policy. Find out more here.

7. Can I insure a dog in a HDB flat which is non-HDB approved?
No. All dogs must be licensed and in accordance to Animal & Veterinary Service guidelines before we can cover them under the policy.

1. Can pet insurance policy be cancelled? If so, will I get a refund?
Yes, you can cancel this plan via Tiq by Etiqa app. The cancellation will take effect from the date we receive your request.

If you cancel this plan within the 14 day free-look period, you may get a full refund of the premium paid if there has been no claim made under this policy.

If you cancel this plan after the free-look period, we will proceed with your refund based on the calculation as follows:

1. Is it claimable for injury caused by fights between pets or other animals?
Injury caused by fights between pets and other animals is covered, however it will be subject to the following exclusion:

• If your pet is being used for commercial or occupational purposes including but not limited to racing, breeding, organized fighting, law enforcement, guarding or hunting.
• If your pet has behavioural problem regardless of the cause (including but not limited to anxiety disorders, phobias or chemical imbalance.

2. Is it claimable if someone abuses my pet (victim of abuse) & causes it to be injured or dead?
No. Intentional abuse will not be covered.

3. Is it claimable if my pet dies of old age?
We provide coverage in the event of sickness and accidents. Death due to old age will be covered.

4. Is chemotherapy/physiotherapy covered due to cancer?
No it is not. Training, socialization, therapy and alternative therapies (including but not restricted to consultations and treatments involving homeopathic remedies, acupuncture, laser therapy, chiropractic treatments and/or physiotherapy) whether recommended by a Veterinarian or not are not covered. But other medical fees and medication due to cancer is covered by the policy.

5. Can I claim for the blood test required for the complimentary congenital and hereditary conditions coverage?
No. All costs and fees incurred from Clinical Examination of your pet will be borne by you and there will be no reimbursement.

6. How do I make a claim?
If you have a Tiq Connect account with Etiqa, please log onto TiqConnect to submit your claims online. Otherwise, you may register for an account on our corporate website. Access can be created immediately. You may also contact our Customer Care hotline at +65 6887 8777 or email them at customer.service@etiqa.com.sg for further assistance.

1. Is there a free-look period?
Yes. There is a free-look period of 14 days for Pet Insurance.