/Should I Get Pet Insurance for My Dog?

Pet insurance.. If it isn’t something you’ve thought about, it’s about time to start. It could potentially save you thousands of dollars and a load of anxiety. Ultimately it has the same trade-off as if you were buying said insurance for another human being (such as, does the mere potential of injury warrant spending all the money, and does it provide sufficient coverage/security for my pet?), so here is some information about HAPPY TAILS, the only standalone online pet insurance in Singapore that provides lifetime coverage for your pets, to let you decide for yourself.


Pet insurance plans that offer comprehensive coverage for dogs, puppies, cats and kittens only. Unfortunately coverage does not extend to rodent pets or fish.

Annual limits of $12,500, $7,500 and $3,500 in 3 plan options for dogs. The cover is available to over 200 breeds of dogs and puppies, and the premiums are affected by the breed of your dog. The best way would be to get a price quote directly from the website (http://aonhappytails.com).


Coverage includes accidents and illnesses of pets. These include specific hereditary and congenital conditions (e.g. elbow dysplasia, entropion, and invertebral disc disease. A quick check on Google could help you identify the symptoms of these diseases before it’s too late)


  • Diagnostic testing (e.g. x-rays, blood tests)
  • Surgery
  • Prescribed medications
  • Chemotherapy
  • Room and board
  • Post-surgery follow-up treatment

Cover is immediate for accidents.

Cover is 3 months after policy commencement for illnesses.

Cover is at least 12 months after policy commencement for certain hereditary and congenital conditions.


Pre-existing conditions, clinical examinations for insurance enrollment, check-ups, vaccinations, spay/neuter procedures, teeth cleaning.

A full list of exclusions is available on the website.


  • Aged between 16 weeks and 9 years old
  • Micro-chipped
  • Vaccinated (required vaccinations)
  • Not a ‘working pet’ (i.e. involved in racing, law enforcement, guarding, assisting of the disabled)
  • Not used for breeding purposes
  • Clinically examined by a licensed vet within 30 days from the commencement of the insurance (the medical report will have to be submitted to the insurer)


Compared to PetCare- another pet insurance option- Happy Tails has higher coverage for surgical and chemotherapy treatments, a lower co-insurance (portion of a claim that you the pet parent bears) for puppies below four years old and coverage of certain specified hereditary and congenital conditions.

Pet premium increases as your pet ages.

If your pup is not spayed or neutered, there is no coverage for illnesses related to prostate problems, hormonal skin conditions, perianal hernias, testicular tumors, perianal tumors, mammary tumors, uterine and ovarian conditions.

– Melanie


(Note: This is not a sponsored post. For more information please visit Happy Tails‘ official website or alternatively drop them an email at happytails.sg@aon.com)