Happy Tails Pet Insurance

Here's how Happy Tails Pet Insurance protects your pet.

Dog insurance and cat insurance that offer lifetime medical expenses[1] coverage for clinical and surgical benefit, and chemotherapy benefit.

Coverage for surgical expenses due to your pet’s injuries, sickness, specified hereditary and congenital conditions[2]

Get up to $22,000[3] coverage for your pet with our clinical and surgical benefit. Plus, get covered for specified hereditary and congenital conditions: Hip and elbow dysplasia, Luxating patella, Glaucoma, Cherry eye, Intervertebral disc disease (IVDD) and conditions which require femoral head and neck excision.

Chemotherapy benefit for your dog and cat

Get chemotherapy coverage of up to $5,000[3] for your pet if it is diagnosed with cancer.

Outpatient medical expenses for your dog and cat

Get up to $2,500[3] for outpatient medical expenses (per accident) without surgery, due to accidental injury (applicable to Furrific plan only).

Additional benefits for you and your pet.

If your dog or cat accidentally injured someone or destroyed properties, Happy Tails Pet Insurance's third-party legal liability benefit[4] covers up to $1,000,000[3] for your pet. 
Your dog or cat needs to undergo a clinical examination before or within 30 days from the policy start date. Enjoy preferential rates through AniMall[5]! Click here to sign up now.
Receive up to $2,500[3] for costs of euthanasia, cremation, funeral service and handling charges from the veterinarian or funeral service providers.
Enjoy No Claim Discount of up to 15% if you have not made any claims in the preceding 3 consecutive years or more.

Enhancements to Happy Tails Pet Insurance

Learn more about the changes

Enrol your dog or cat into Happy Tails Pet Insurance before your pet is 4 years old to lock in a 20% co-insurance for your pet’s whole lifetime, as long as your pet remains continually covered with Happy Tails Pet Insurance.

Let us walk you through Happy Tails Pet Insurance.

How can Happy Tails help to cushion your out-of-pocket expenses?
Understanding how Happy Tails works for you and your pets

Like their owners, pets fall sick too. Here is an example of how Happy Tails works:

Jane noticed her golden retriever puppy, Bella, has been limping over the past week. She also observed that Bella has stiffness in her front legs.

Bella was diagnosed withElbow Dysplasia at the vet and surgery is recommended.

A month after surgery, Bella had follow-up x-rays and rehabilitation to help her in her recovery. Jane received thetotal bill of $4,000 from the vet.

Thankfully, Jane purchased Happy Tails Pet Insurance for Bella prior to discovering her illness.Happy Tails Pet Insurance paid $2,950^ of the total bill, helping to cushion Jane's out-of-pocket expenses.

^This illustration is based on a dog enrolled into Furry plan before age 4, along with 20% co-insurance and $250 deductible.

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Your coverage at a glance.

Benefits		Maximum Benefit (S$)
		Per insured dog or cat
		Furry	Furbulous	Furrific
	Maximum annual coverage^#	$8,500	$15,000	$27,000
Section 1	Clinical and surgical benefit (per policy year) Limit for room and board expenses per incident Limit for pre and post-surgical treatment benefit per incident	$6,000 $800 $300	$12,000 $1,200 $500	$22,000 $2,000 $1,000
Section 2	Chemotherapy benefit (per policy year)	$2,500	$3,000	$5,000
Section 3	Final expenses benefit (per policy year)	$750	$1,500	$2,500
Section 4	Third party legal liability (per policy year)	$250,000	$500,000	$1,000,000
Section 5	Medical expenses due to accidental injury (per accident)	NA	NA	$2,500
Co-insurance and deductible
Co-insurance (applicable to Sections 1 and 2) per incident		20% - Dogs / cats enrolled before age 4 30% - Dogs / cats enrolled before age 7 40% - Dogs / cats enrolled before age 9
Deductible (applicable to Sections 1, 2 and 5) per incident		$250

^#The total claim amount incurred in a policy year for sections 1 to 3 should not exceed the amount stated under maximum annual coverage indicated above.

Your policy toolkit.

Eligibility

i. You are the policyholder and is also the owner of the pet.

ii. You hold a valid Singapore identification document such as a Singapore national registration identification card, employment pass, work permit, long-term visit pass or student pass.

iii. Your pet must

be at least 16 weeks old and below 9 years old at the start date of insurance
be micro-chipped
live with the policyholder in Singapore
undergo an enrolment clinical examination before or within 30 days from start date of policy and the examination result is submitted to Income Insurance
complete all required vaccinations

iv. Your pet is not a working pet or a racing dog

Brochures

Happy Tails Pet Insurance Brochure

Policy conditions

Policy Conditions

Your queries answered.

Why is covering specific hereditary and congenital conditions important?

Hereditary and congenital conditions may not appear for years, but when they do, the treatment can be expensive. Eye disorders like glaucoma or knee issues requiring surgery like a patellar luxation are examples of these conditions.

HappyTails covers the following specified hereditary and congenital conditions for pets enrolled before the age of six (6) subject to a twelve-month (12) waiting period from the policy’s first commencement date for these conditions:

Hip and elbow dysplasia
Luxating Patella
Glaucoma
Cherry eye
Invertebral Disk Disease (IVDD)
Femoral Head and Neck Excision

If a hereditary or congenital condition or its symptoms are noted by your veterinarian before your pet’s enrolment, these are considered pre-existing and will not be covered by your Happy Tails policy (just like any other sicknesses or injury that occurred before your pet is insured by us).

What are the types of expenses which are not covered?

Happy Tails does not cover:

pre-existing conditions
the cost of clinical examination for insurance enrolment
spay/neuter procedures
non-surgical treatment due to illness or preventative care

For full details of the terms, conditions and exclusions, please refer to the Happy Tails insurance policy conditions.

What are some examples of preventive care expenses which are not covered?

We do not cover preventative care as it is the responsibility of the pet parent to take care of your pet’s general well-being and preventative healthcare needs.

Following are some examples of preventative care that are not covered:

Preventive healthcare including vaccinations or titer test, flea control, heartworm medication, de-worming, nail trim, spaying/neutering and grooming.
Parasite control including but not limited to internal and external parasites for which readily available prophylactic treatments are available.
Dental healthcare including dental cleanings (prophylaxis)
Anal gland expression.
Feeding, housing, and exercise.
Behavioural modification, medications for behavioural modification, training, or therapy.

The above list is not exhaustive. For full details of the terms, conditions and exclusions, please refer to the Happy Tails insurance policy conditions.

What are the waiting periods to take note of?

Waiting period is a period from the first commencement date of the policy during which claims are not payable. There are 2 waiting periods to take note of:

90 days for sicknesses
12 months for specified hereditary and congenital conditions

How does co-insurance and deductible work?

Co-Insurance refers to the portion of a claim amount you have to bear. The level of co-insurance depends on the age at entry of your pet. Deductible is the fixed sum of $250 you have to bear for a claim, after taking into account the Co-insurance.

Example:

Age of entry of pet: 2 years old

Co-insurance: 20%

Claim amount: $3,000

Your share of claim: $600 (20% x $3,000)

Claim payable: $2,400 (before application of deductible)

Final claim payable: $2,150 ($2,400 - $250)

Will my premiums increase every year?

Premiums are determined based on cost of veterinary treatment advances, individual pet’s breed, age and other factors, in addition to the overall claims experience for the program. Premium increases could vary depending on individual claim submissions as well.

Are there any caps or maximum limits?

Happy Tails has an annual aggregate limit for claims. The annual aggregate limit for the highest plan is $27,000 with separate limits for each benefit. The annual surgical limit is $22,000 and the limit for chemotherapy is $5,000 for the highest plan. More details can be found under our plan types.

How do I know if there are any pre-existing medical conditions?

The clinical examination report for enrolment is a pre-requisite to enrol for Happy Tails insurance. Pets to be insured must be checked for their general health and any pre-existing conditions before or within 30 days from the start date of the insurance. Any developing or existing condition detected during the enrolment examination is considered as pre-existing and will not be covered.

Is my pet’s congenital condition considered pre-existing?

If your pet has a congenital condition before you enrol for Happy Tails, this condition will be considered pre-existing and there is no cover for the condition.

There are many types of congenital conditions that do not become apparent until sometime after birth. Happy Tails covers specified congenital conditions as long as there are no clinical signs or symptoms present before enrolment or during the waiting periods after the insurance is in force for pets enrolled before the age of six (6).

My dog tore its cruciate ligament on one leg before enrollment. Would you cover the other leg?

There is no cover for bilateral condition e.g. injury on the right front leg and same condition surfaces in the front left leg.

What is covered under medical expenses due to accidental injury?

If your pet meets with an accidental injury, we will pay for the cost of medically necessary outpatient non-surgical treatment performed by a veterinarian including the following costs and expenses incurred:

Diagnostic tests
Veterinarian’s fee
Miscellaneous expenses such as prescribed drugs, injections, dressings and other medical services and supplies related to proving treatment to your pet.

For full details of the terms, conditions and exclusions, please refer to the Happy Tails insurance policy conditions.

Print all queries

Important notes

Footnotes

Policy terms and conditions apply.
If your pet is below six years of age at the start of the first policy year, we shall cover the following specified hereditary and congenital conditions after a 12-month waiting period from the start date of the policy, provided they are not pre-existing medical conditions:
(i) Hip and elbow dysplasia
(ii) Luxating patella
(iii) Glaucoma
(iv) Cherry eye
(v) Intervertebral disk disease (IVDD)
(vi) Conditions which require femoral head and neck excision
Based on Income’s Happy Tails Pet Insurance Furrific plan.
We will pay for this benefit if you are legally responsible for the following which is accidentally caused by your pet in Singapore:
-  Bodily injury to any person
- Loss or damage to property
We will pay:
- The legal costs and expenses for representing you; and
- The amount awarded against you by the court in Singapore.
Exclusions apply.
The application (“App”) is owned, hosted and managed by MY-INSURER PTE LTD, an independent third party service provider of Income Insurance Limited (“Income Insurance”). Income Insurance may from time to time change the service provider or terminate this service without prior notice. Income Insurance does not have control over and is not responsible for the contents of the App, the consequences of accessing or using the App or any reliance placed on the contents therein, any transaction in the App, or the services provided in the App including services offered by pet clinics and other service providers recommended by the App. Furthermore, Income Insurance does not endorse or verify such App or its contents, and your access to and/or use of such App is entirely at your own risk and subject to the terms and conditions of access and/or use contained therein. Your access and any transaction that you make at the App, and any purchase of services by pet clinic or other service providers recommended by the App is at your own risk and responsibility. The App and the service and the benefits therein are not part of any insurance policy.

This is for general information only and does not constitute an offer, recommendation, solicitation or advice to buy or sell any product(s). You can find the usual terms, conditions and exclusions of this plan at income.com.sg/forms/policy-conditions/happy-tails-policy-conditions. All our products are developed to benefit our customers, but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance advisor. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want. If you find that this plan is not suitable after purchasing it, you may terminate it within the free-look period and obtain a refund of premiums paid. We may recover from you any expense incurred in underwriting this plan.

Exclusions

There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy conditions for the precise terms, conditions and exclusions of the plan. The policy conditions will be issued when your application is accepted.

Information is correct as at 1 July 2025.