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2025年新加坡宠物保险指南Guide to Pet Insurance in Singapore

你是否在考虑给宠物购买保险？面对市场上各种宠物保险计划，如何选择最适合你的方案？哪些保障最重要？哪些细节不能忽略？

今天，我们为你整理了一份全面的宠物保险指南，帮助你轻松对比不同保险计划，了解关键保障，避免踩坑！

为什么要购买宠物保险？

宠物生病或受伤时，治疗费用可能高达数千甚至上万新币，特别是手术、住院、长期治疗等。宠物保险的核心作用是帮助你分担高昂的医疗开支，让你的毛孩得到及时治疗，而你也无需为账单焦虑！

✅ 宠物能获得更好的医疗保障
✅ 无需担心大额兽医费用
✅ 更安心享受与宠物的陪伴时光 

新加坡宠物保险公司（2025）

目前，新加坡有5家主要提供狗狗 & 猫咪保险的公司：

1️. Liberty PetCare（Liberty Insurance）
2️. Income Happy Tails（由 NTUC Income 承保）
3️. CIMB My Paw Pal（Sompo Insurance 承保）
4️. Tiq Pet Insurance（Etiqa）
5️. Silversky Protect（MSIG 承保）

宠物保险涵盖哪些保障？

在新加坡，宠物保险主要提供以下几类保障

✔ 意外伤害 & 意外身故（例如交通事故、跌落等）
✔ 门诊 & 住院治疗（包括X光、血检、疫苗等）
✔ 手术 & 术后护理（如膝关节手术、肿瘤切除）
✔ 特定疾病保障（癌症、遗传病等）
✔ 第三方责任险（宠物咬人或造成财产损失）
✔ 丢失 & 被盗（部分保险提供广告寻宠费用）
✔ 火化 & 安葬费用（部分计划涵盖）

💡 部分海外宠物保险还提供：
🚀 海外医疗费用（带宠物旅行时适用）
🦷 牙科治疗（意外或疾病导致的牙科问题）
📢 寻宠广告费（如宠物走失，可申请报销广告寻宠费用）

如何选择适合你的宠物保险？

在购买宠物保险前，建议考虑以下问题

🔹 你的宠物是否容易生病？
某些犬种和猫咪更容易患遗传病、皮肤病、关节炎等，例如柯基、金毛、法国斗牛犬等可能需要更高的医疗预算。

🔹 宠物年龄是否适合投保？
大部分保险对宠物投保年龄有限制（通常是8周-9岁），如果你的宠物已过高龄，可能无法续保。

🔹 你的预算是多少？
如果预算有限，可以选择经济型保险，但需确保关键疾病 & 手术费用能报销。若预算充足，可选综合保障型保险，涵盖更多项目。

🔹 是否需要第三方责任险？
如果你的宠物容易激动、可能误伤他人，建议购买含第三方责任险的保险，以防止因意外伤人而产生法律责任。

🔹 宠物是否需要终身保障？
部分保险只保障到9岁或13岁，之后不再续保，而有些保险提供终身覆盖，建议优先选择可终身续保的方案！

不同宠物保险计划的对比

pet-insurance-singapore-comparison

📢 温馨提示：具体保费因宠物品种 & 年龄不同，实际金额可能有所调整，请以保险公司报价为准！

购买宠物保险前要注意的5个关键点

  1. 是否涵盖遗传病 & 先天疾病？部分保险不报销遗传病，建议提前确认！
  2. 是否包含术后护理 & 理疗？如物理治疗、针灸、康复训练等，部分保险不赔付。
  3.  等待期多久？保险生效前，通常有 14-30 天等待期，期间疾病不赔付！
  4.  是否有年度保费递增？部分保险随着宠物年龄增长而提高保费，建议提前咨询续保费用！
  5.  保险理赔流程是否便捷？建议选择理赔速度快、线上申请便捷的保险公司，减少理赔麻烦！

结论：宠物保险值得买吗？

✅ 如果你的宠物属于高风险品种，或者希望避免大额兽医账单，购买宠物保险是明智之选！
✅ 尽早投保，年轻宠物保费更低，且可以锁定更好的保障条件！
✅ 按需选择，不必贪多，确保核心医疗 & 手术费用有足够保障即可！

📢 想为你家宠物上保险吗？欢迎咨询Katrina！

📌 #新加坡宠物保险 #狗狗保险 #猫咪保险 #宠物医疗 #宠物健康保障

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Katrina Cao Shaoxin曹少辛

大家好！我是Katrina，新加坡南洋理工大学研究生毕业，在会计、人事及运营领域深耕9年。这些年，我积累了丰富的行业经验，曾在对外贸易公司、零售业以及初创公司担任重要岗位。

如今，我是一名专业的独立理财顾问。我始终秉持“客户至上”的理念，致力于为客户提供个性化的资产与保险规划方案，帮助他们实现财务自由与财富增长。

我的专业领域包括：

  • 外国人及新移民在新加坡的资产与保险配置。
  • 出海出创企业的财产保险及员工福利配置。

我还热衷于教育，尤其推崇IB素质教育体系。我相信学习应从兴趣出发，在“玩中学”中激发孩子的求知欲与主动探索精神。希望与有相同理念的家长共同探讨教育经验，让孩子在快乐中成长。

欢迎来到我的博客，和我一起探讨财务规划及企业保险规划等话题！

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策