A clear, side-by-side look at the pet insurance plans available in Ottawa — what they cover, the annual limits, the co-payment and the exclusions that matter. Pick up to three and compare them line by line.
One of the most established and highest-limit pet plans in Singapore, with annual cover up to S$27,000, lifetime renewal and an early-entry co-insurance lock that rewards insuring young pets. It is genuinely comprehensive — covering cancer/chemo and some hereditary conditions — but the per-claim deductible and age-tiered co-insurance mean owners still share a meaningful slice of every bill.
Annual limit
S$8,500 / S$15,000 / S$27,000 per year (3 plan tiers)
Co-pay
20% co-insurance if enrolled before age 4 (locked for life); 30% if before age 7; 40% if before age 9
Indicative premium
From ~S$315/yr (dog) and ~S$229/yr (cat) per 2026 comparison tables
Very high annual limits (up to S$27,000)
Lifetime renewal protects ageing pets
Co-insurance can be locked at 20% if enrolled before age 4
S$250 deductible on every claim adds up
Co-insurance rises steeply (to 40%) for pets enrolled older
Tiq by Etiqa's top "Pawfect" tier leads the market on surgical cover (up to S$15,000) and pairs it with strong S$500,000 third-party liability and hereditary-disease cover, all bought and claimed digitally. The trade-off is a relatively modest non-surgical sub-limit and age-based co-insurance, so it shines most for surgery-risk peace of mind rather than everyday illness costs.
Annual limit
Sub-limits: up to S$15,000 surgical illness + up to S$3,500 non-surgical
Co-pay
20% co-insurance if enrolled before age 4 (rising to 30%–40% for older entry)
Indicative premium
Dogs from ~S$311/yr; cats from ~S$211/yr (per SingSaver 2026 table)
Highest single surgical-illness limit in SG (S$15,000)
A newer (2025) entrant from MSIG with three tiers topping out at S$20,000/yr for hospitalisation and surgery — among the highest surgical caps available — plus generous pre- and post-surgery windows. It is strongest on the big-ticket surgical risk; everyday non-surgical illness cover largely needs a paid add-on, so read the tier carefully.
Annual limit
Hospitalisation & surgery up to S$5,000 (PawPat) / S$10,000 (PawRun) / S$20,000 (PawPlay) per year
Co-pay
20%–40% co-insurance depending on entry age
Indicative premium
Dogs from ~S$364.70/yr (PawPat); cats from ~S$146.02/yr (PawPat) per SingSaver
Up to S$20,000/yr surgical & hospitalisation cover
Covers diagnostics 30 days pre-surgery and treatment 60 days post-surgery
Three clear tiers to match budget
Non-surgical outpatient cover often requires a paid add-on
One of Singapore's long-standing pet plans, PetCare offers three budget-friendly tiers, any-vet freedom and no medical exam to join — handy for straightforward cover. Its co-insurance is on the higher side (30% surgical / 50% non-surgical) and lower tiers cap surgical claims modestly, so compare the Superior tier against rivals before deciding.
Annual limit
Surgical treatment limit S$1,500 (Standard) / S$2,000 (Enhanced) / S$10,000 (Superior); non-surgical up to ~S$2,000/yr
Co-pay
30% co-insurance on surgical claims; 50% co-insurance on non-surgical claims
Established insurer with three price points
No medical exam required to enrol
Freedom to choose any licensed vet
High 50% co-insurance on non-surgical claims
Standard/Enhanced surgical caps are low (S$1,500–S$2,000)
The most affordable entry point to pet cover in Singapore, My Paw Pal's base plan is accident-focused with a very low premium and no medical exam to join. Illness cover and surgery only appear once you pay extra add-ons, and even then the surgical cap is small — so it suits budget-conscious owners wanting accident protection rather than full medical cover.
Annual limit
Accident vet fees up to S$1,500/yr base; illness (non-surgical) up to S$1,500/yr and surgical up to S$300 with paid add-on
Co-pay
20%–40% co-insurance depending on entry age (per comparison tables)
Indicative premium
From ~S$87.74/yr (base, accident-focused)
Lowest entry premium in the market
No medical exam to enrol
Useful accidental death and TPL benefits
Base plan is accident-only — illness needs paid add-ons
A medically-focused plan underwritten by MSIG, Silversky Protect leans on strong surgical cover (up to ~S$13,000) and S$500,000 third-party liability. Its non-surgical sub-limit is notably small, so it is best read as protection against major surgical/hospitalisation events rather than everyday vet visits.
The cheapest premium is rarely the best value. When comparing, look past the headline price at the parts that decide what you actually get back:
Annual limit — the most the plan pays per year. Higher limits matter for surgery and chronic illness.
Co-payment / co-insurance — the share of every bill you still pay. Often rises with your pet's age at enrolment.
Deductible / excess — a fixed amount deducted per claim or per year.
Exclusions — pre-existing, hereditary, dental and routine/preventive care are commonly excluded.
Waiting periods — illness cover usually starts weeks after you sign up.
Lifetime renewal — whether cover continues as your pet ages (crucial for older dogs).
Insuring a pet while young and healthy usually locks in lower co-payment and avoids pre-existing exclusions later. If your pet already has a condition, check exactly how each insurer treats it before buying.
Before you claim
Find a vet in Ottawa
Most plans reimburse you after you pay the vet. Browse vets, 24-hour emergency clinics and pet services near you.
