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Best Singapura Pet Insurance of 2023

Lisa Scott

Singapura cats are friendly and affectionate. They seek attention and enjoy human company. Although they are not known for being lap cats, they also get along well with other pets and children. The Singapura is an active and curious cat. For this reason, having pet insurance could be helpful as it will help cater to any medical attention resulting from injuries sustained. The best pet insurance for your cat should provide the most coverage possible at the best price. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Super-extensive accident & illness coverage

$20,000

Coverage Up To

90%

Reimbursement

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Multiple options for wellness plans

$100,000

Coverage Up To

90% - 100%

Reimbursement Rates

Overview

Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.

What we like

  • Customizable policies
  • Variety of wellness plans
  • Fast reimbursements
  • High incident limits
  • Visit a vet of your choice

What we don't

  • 15 day waiting period on accident policy

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Short waiting periods on accidental coverage

$25,000

Coverage Up To

50% - 100%

Reimbursement

Overview

MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Quick claims process

$10,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Spot will insure older animals and provides a multi-pet discount when you insure two or more pets

What we like

  • Multi-pet discount
  • No upper age limit
  • Quick claims process
  • Fast and simple filing of claims
  • Optional no lifetime limits or caps on payouts

What we don't

  • Customer service limited to weekdays
  • 14 day waiting period

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Provides holistic therapy coverage

$15,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Fetch covers various conditions and offers holistic therapy coverage.

What we like

  • Covers examination fee during vet visits
  • Holistic therapy coverage
  • Comprehensive dental coverage
  • No penalty for multiple claims
  • No upper age limit for the pets

What we don't

  • Offers a single plan
  • No preventive care plans
  • No multi-pet discount

No age limit on pets - older dogs and cats are covered

Unlimited

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Prudent pet has excellent coverage for your pet regardless of their age. The insurer can customize your plan from illnesses, medications, accidents to preventive care that will fit your pet's needs and financial situation. This plan will give you peace of mind that you won't break the bank with unlimited coverage if an emergency occurs since treatments tend to be more expensive for older pets.

What we like

  • Older cats and dogs are covered
  • Customize your plan to fit your pet's needs and financial situation
  • Customers from US can get covered in Canada as well
  • Unlimited live vet chat if an issue occurs with your pet
  • 10% multiple pets discount

What we don't

  • Pre-existing health conditions not covered
  • Wellness add-ons can get expensive

Is pet insurance worth it for a Singapura?

There are many reasons why a pet insurance policy may not be worth it. The most important factor is the type of pet you have. If your pet is unlikely to become seriously ill or injured, it may not be worth it to have a pet insurance policy.

However, if your pet is likely to need emergency veterinary care, it may be worth it to have a pet insurance policy. For example, if you have a cat that goes outside and could easily get into a fight with another cat or get hit by a car, then you should consider having a pet insurance policy for that cat.

Suppose you have an older cat with ongoing medical problems such as arthritis, diabetes, or heart disease. Having a pet insurance policy can be very helpful since these types of treatments can be very expensive.

If your pet has recently come into contact with an animal with rabies, then it may also be worth looking into getting a rabies vaccine for your pet. It’s usually much less expensive than paying for treatment once your pet gets sick with rabies.

In general, Pet Insurance is a health insurance plan for pets. It helps in providing coverage for unexpected medical expenses for your pet.

Common health conditions for a Singapura

There are a few health conditions to be aware of if you own a Singapura:

  • Renal failure: This condition is common in older cats. The kidneys lose the ability to filter toxins from the blood, causing dangerous levels of waste products to build up in the bloodstream. Signs include frequent urination, drinking more water than usual, vomiting and loss of appetite.
  • Hyperthyroidism: This condition causes an overproduction of thyroid hormones, which negatively affects health and well-being. Its symptoms include weight loss despite increased appetite, increased thirst and urination, vomiting and diarrhoea, hyperactivity, vocalization and anxiety.
  • Diabetes: This disease is more common in middle-aged or older Singapuras, although it can also affect younger cats. Symptoms include excessive drinking and urinating, weight loss, lethargy and changes in behaviour. It is treated with insulin injections and diet changes if necessary.

What does pet insurance cover for a Singapura?

These cat breeds are generally pretty healthy cats and don’t have any known medical issues. However, they do have special dietary needs, so it’s important to make sure your chosen pet insurance plan covers adequate amounts of money toward food and veterinary care. Here are the major parts of pet insurance coverage:

  • Accidents: Yes. Pet insurance plans typically cover accidents, generally defined as sudden and unexpected injuries, such as getting hit by a car or eating something poisonous. If your Singapura is injured, pet insurance can help cover the cost of emergency care and other medically necessary treatment.
  • Illness:  Pet insurance plans typically cover illnesses, generally defined as sicknesses or diseases that have occurred gradually over time, such as cancer or kidney disease. If your Singapura is sick, pet insurance can help cover the cost of treatments such as diagnostic tests, prescription medications and surgeries.
  • Routine care: Besides covering accidents and illnesses, these plans include coverage for routine check-ups and procedures such as dental cleanings spay/neuter surgeries.

How are pet insurance premiums determined for a Singapura?

Pet insurance premiums are based on a combination of several factors. Pet insurance companies use these factors to assess the risk they take on when they insure your pet. These factors determine how much money the company needs to cover your pet’s health care costs and how likely it is that the company will pay out claims. Here are some of the most common factors that influence your pet insurance premium:

  • Location: Your premium may be higher if you live in an area where pets are at higher risk of heartworm or fleas or where veterinary costs are higher.
  • Age:  Your pet’s age impacts their health and the likelihood that they’ll need medical care. Younger pets tend to be healthier than older pets, so younger pets are generally less expensive to insure. 
  • Deductible: A deductible amount you pay out of pocket before your coverage kicks in. Generally speaking, higher deductibles mean lower premiums, while lower deductibles mean higher premiums.
  • Gender: Male pets tend to cost more to insure because they are more prone to certain health problems than female pets. For example, some pet insurance providers may see male dogs as more at risk for cancer than female dogs because research shows that male dogs tend to be diagnosed with cancer more often than female dogs.

How to choose the best pet insurance plan for a Singapura

Pet insurance is a great way to offset the cost of caring for your cat and provide peace of mind for you and your family. But how do you choose the best pet insurance plan for your cat? A few different factors go into selecting the best pet insurance plan for your family, including cost, coverage, and customer service. We’ll look at some of the top pet insurance companies in Singapore and what they offer. There are several tips for choosing the best pet insurance for your cat. The following are the essential tips that will ensure you get a reliable company for your furry friend:

  • Check out the company’s reputation: There are dozens of pet insurance companies, so it’s important to do your homework before signing on with one. Ask friends and family members who have pets what they recommend. You can also check out reviews from sites like PetInsuranceReview and ConsumerAffairs to see what other people think about a company’s service and performance.
  • Consider your budget:  Having health insurance for your pet might seem like a luxury, but it can also give you greater peace of mind if your pet does become ill or injured. Before deciding on an insurance policy, sit down with your budget and figure out how much you can afford to spend each month on this type of insurance. 
  • Consider pre-existing conditions: Make sure the policy you choose covers pre-existing conditions. You should also find out about any breed exclusions for the Singapura, considered a high-risk breed.
  • Define your needs: You should decide how much you’re willing to pay for premiums each month when shopping for a plan. Ensure that the policy also has a monthly cap on how much you’ll pay out of pocket for vet bills (called co-insurance). If you run into a costly medical situation involving your pet, there’ll be limits on what you have to pay yourself.

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