Pet insurance in Singapore: what it costs
What a typical dog and cat policy costs in Singapore, how the size of the breed changes it, and what to check before you buy.
Checked 8 November 2026
Typical price
Dog
49.70 SGD a month, about 596.40 SGD a year
MoneySmart 2026 annual premiums for a 5-year-old dog: Income Happy Tails 596.38-974.09 (49.70-81.17/month); Tiq 355.20-782.01; MSIG PawEasy 604.26-996.04; Shopee 229.72-329.77 (19.14/month low). source
Cat
32.46 SGD a month, about 389.52 SGD a year
MoneySmart 2026 annual premiums for a 5-year-old cat: Income Happy Tails 389.52-636.22 (32.46-53.02/month); Tiq 296.00-651.67 (to 54.31); MSIG 241.95-398.82; Shopee 91.99-141.65 (7.67/month low). source
By size
| Size | Per month | Per year |
|---|---|---|
| Toy | 32.80 SGD | 393.62 SGD |
| Small | 38.77 SGD | 465.19 SGD |
| Medium | 43.24 SGD | 518.87 SGD |
| Large | 55.17 SGD | 662.00 SGD |
| Giant | 74.55 SGD | 894.60 SGD |
Our estimate: the typical price scaled by the size of the dog. Real quotes depend on the breed, its age, the cover and the excess.
Check your breed
Estimates for popular breeds
| Breed | Per month | Per year |
|---|---|---|
| Labrador Retriever | 49.20 SGD | 590 SGD |
| French Bulldog | 71.07 SGD | 853 SGD |
| German Shepherd Dog | 53.68 SGD | 644 SGD |
| Golden Retriever | 46.72 SGD | 561 SGD |
| Dachshund (Standard) | 40.26 SGD | 483 SGD |
| English Cocker Spaniel | 41.25 SGD | 495 SGD |
| Chihuahua | 31.31 SGD | 376 SGD |
| Border Collie | 40.26 SGD | 483 SGD |
| Mixed breed (dog) | 37.28 SGD | 447 SGD |
| Mixed breed (cat) | 27.59 SGD | 331 SGD |
| Maine Coon | 32.14 SGD | 386 SGD |
| British Shorthair | 30.51 SGD | 366 SGD |
| Ragdoll | 28.89 SGD | 347 SGD |
Before you buy
- New policies often have an age limit, so insuring young is cheaper and easier.
- There is usually a waiting period before illness cover starts.
- Conditions the animal already has are not covered.
- Check whether hereditary conditions such as hip dysplasia are covered. Each breed page lists the ones to ask about.
- A higher excess or co-payment lowers the price but raises what you pay at the vet.
- Look at the yearly limit. One operation can cost more than a cheap policy pays out.
Rules and costs for dogs in Singapore → Pet insurance by country
Prices are typical published prices, not a quote. Pet Wiki is not an insurer or a broker.