Liberty pet insurance, sold as PetCare, is the oldest pet policy in Singapore and the one most vets recognise. Since January 2025 it runs on five tiers, from the entry Adogable Plan at S$392.40 a year to the top Pawsh Plan at S$1,471.50, with surgical-bill cover scaling from S$2,500 up to S$18,000. The catch most owners miss is the co-insurance: even on the dearest plan you still pay 20% to 30% of every surgical vet bill and half of every non-surgical one. This review walks through each plan, the deductibles, the three waiting periods and the long exclusion list, so you can tell which tier is worth the premium and which is just a comforting receipt.
PetCare is underwritten by Liberty Pte Limited and was the first pet insurance policy launched in Singapore, back in 2014. It covers dogs and cats for accident and illness vet bills, plus third-party liability if your pet injures someone or damages property. There is no medical exam to enrol, and you can use any licensed vet in Singapore rather than a panel.
The reimbursement model is the part to fix in your head before anything else. Liberty advertises that it covers "up to 80% of vet bills," but that headline only applies to surgical claims on a pet enrolled before age 5. You carry a 20% co-insurance on surgical treatment, 30% if the pet joined between ages 5 and 9, and a flat 50% on every non-surgical illness bill. Co-insurance is the slice you pay on each claim; if that idea is new to you, the co-insurance entry spells it out with worked numbers.
On top of co-insurance, two benefits carry a per-incident deductible: S$50 on accidental injury and S$500 on third-party liability claims. Medical and surgical illness claims have no deductible, only the co-insurance.
Liberty replaced its old three-tier line-up with five plans on 10 January 2025. The names are themed rather than descriptive, so the table below maps each one to what it actually pays. All premiums include prevailing GST and are the annual figures published in Liberty's PetCare brochure (JAN 2025 edition, current as of June 2026).
Read the surgical row first. That single benefit is the reason to buy pet insurance at all, because a cruciate ligament repair or foreign-body surgery can run past S$5,000 at a Singapore clinic. The two cheapest plans cap surgical illness at S$2,500 and S$4,000, which a serious operation can blow through in one visit.
| Benefit | Adogable | Ameowing | Furtastic | Ultipaw | Pawsh |
|---|---|---|---|---|---|
| Annual premium (incl. GST) | S$392.40 | S$504.67 | S$840.39 | S$1,016.97 | S$1,471.50 |
| Surgical illness (20%/30% co-pay) | S$2,500 | S$4,000 | S$11,000 | S$14,000 | S$18,000 |
| Non-surgical illness (50% co-pay) | S$700 | S$1,500 | S$3,500 | S$4,000 | S$5,000 |
| Accidental injury (S$50 excess) | S$700 | S$1,500 | S$3,500 | S$5,000 | S$7,000 |
| Accidental death | S$1,000 | S$2,000 | S$3,000 | S$5,000 | S$8,000 |
| Theft (dogs only) | S$300 | S$500 | S$1,500 | S$2,000 | S$3,000 |
| Final expenses benefit | S$200 | S$300 | S$400 | S$500 | S$600 |
| Third-party liability (S$500 excess) | S$100,000 | S$250,000 | S$500,000 | S$500,000 | S$500,000 |
| Wellness care (annual) | None | None | S$100 | S$150 | S$200 |
Benefit limits are per incident and per policy year, and co-insurance comes off before the cap applies. Work an example on the Furtastic Plan, the middle tier. Say your dog needs S$8,000 of surgery. The plan reimburses 80% (if the pet enrolled before age 5), which is S$6,400, and that sits under the S$11,000 surgical cap, so you receive S$6,400 and pay S$1,600 yourself.
Now the same dog on the entry Adogable Plan. The S$2,500 surgical cap bites first: 80% of S$8,000 is S$6,400, but the plan only pays up to S$2,500, so you are out of pocket for S$5,500. That gap is the whole argument for buying a higher tier if your pet is a breed prone to expensive orthopaedic problems.
Non-surgical illness is harsher. The co-insurance is 50% on every plan, so a S$1,000 medication or imaging bill returns at most S$500, and only up to the plan's non-surgical cap. Budget for the portion you carry the same way you would any emergency fund target, because the policy never covers the full bill.
Three waiting periods run from your first policy start date: 1 month for accidental injury cover, 3 months for theft, and 3 months for illness. Anything that shows up inside its waiting period is treated as pre-existing and is not covered, so timing your purchase before a pet gets older or develops symptoms matters.
To enrol, the pet must be at least 8 weeks and below 9 years old at the first policy start, microchipped and licensed, living with you in Singapore, fully vaccinated, and not a working pet, racing dog or breeding animal. There is no upper renewal age cap stated, but you cannot start a new policy on a pet that is already 9.
The exclusion list is long and decides most disputed claims. Liberty does not pay for pre-existing, hereditary, congenital or skin conditions, anything inside a waiting period, day-to-day care such as vitamins and grooming, behavioural treatment, dental damage not caused by an accident, hip dysplasia, rabies, parasites, house calls, out-of-hours treatment, and elective or cosmetic procedures. One quirk to flag: dogs on the AVS Specified Dogs list have their third-party liability cut to S$100,000 on every plan above Adogable, and must be muzzled and leashed in public.
Only the top three plans (Furtastic, Ultipaw, Pawsh) include Wellness Care, an annual allowance of S$100 to S$200 toward vet check-ups, vaccinations, teeth cleaning and spaying or neutering. On the two cheaper plans those routine costs come entirely out of your own pocket. The allowance is modest, so treat it as a small rebate rather than a reason to upgrade.
Liberty grants a no-claim discount of 5% after one claim-free year, 10% after two consecutive years, and 15% after three. The discount applies to the renewal premium, so a clean run on the Pawsh Plan trims roughly S$221 off year four. Claims are filed by submitting itemised vet invoices and the claim form to Liberty after you settle the bill, since this is a reimbursement policy, not cashless at the clinic.
If you are weighing Liberty against rivals, our broader roundup of the best pet insurance for dogs and cats compares it with the other Singapore insurers on price and surgical caps, and the premium glossary entry explains how GST and age loadings move the headline figure.
Pet insurance is worth buying for one scenario: a sudden surgery you could not otherwise pay for. Judged on that, the two cheapest Liberty plans are weak, because their S$2,500 and S$4,000 surgical caps do not cover a typical major operation after you factor in the co-pay. The Furtastic Plan at S$840.39 is the first tier where the S$11,000 surgical cap genuinely absorbs a big bill, and it is the one most owners of a medium or large dog should look at.
If you would rather self-insure, the honest alternative is to direct the premium into a dedicated savings pot. Putting S$840 a year into a savings goal for three years gives you about S$2,500 in hand with full control and no exclusions, though it leaves you exposed if a S$10,000 emergency lands in year one. The decision turns on your cash buffer and your pet's breed risk, not on the brochure.
Cai's take: enrol while the pet is under 5 to lock the 20% surgical co-pay, skip Adogable and Ameowing unless budget forces it, and read the exclusion list before you read the price.
As of June 2026, Liberty's PetCare annual premiums are S$392.40 for Adogable, S$504.67 for Ameowing, S$840.39 for Furtastic, S$1,016.97 for Ultipaw and S$1,471.50 for Pawsh, all including GST. A no-claim discount of up to 15% applies after three claim-free years.
Only for surgical treatment on a pet enrolled before age 5, where you pay a 20% co-insurance. Pets enrolled between ages 5 and 9 pay 30% on surgery, and all non-surgical illness bills carry a 50% co-insurance, so the policy never reimburses the full amount.
It excludes pre-existing, hereditary, congenital and skin conditions, anything within the waiting period, hip dysplasia, rabies, parasites, behavioural and dental issues, routine and elective care, grooming, house calls and out-of-hours treatment. Theft cover also applies to dogs only, not cats.
From your first policy start date there is a 1-month waiting period for accidental injury cover, and a 3-month waiting period for both theft cover and illness cover. Any condition that appears during its waiting period is treated as pre-existing and is not payable.
You can only start a new PetCare policy if the pet is at least 8 weeks and below 9 years old at the first policy start date. Enrol before age 5 to keep the lower 20% surgical co-pay, since joining between 5 and 9 raises it to 30%.
This is general financial information for Singapore, not personal financial advice. Figures change — verify current rates against the official sources above before acting. See our full disclaimer.