Happy Tails™ Accident and Sicknesses Plans

Our plans offer comprehensive coverage for accidents and sicknesseses, including specified hereditary and congenital conditions, for your pets. Pet Parents can receive up to 80% reimbursement of your vet bills before a mandatory Deductible of $250.

Cover is immediate for accidents and 3 months after policy commencement for sicknesseses. Six specified hereditary and congenital conditions are subject to a 12-month waiting period.

Dog and Puppy Cover

Annual limits of $12,500, $7,500 and $3,500 in 3 Plan options

The Dog and Puppy Plans cover medical and surgical treatment arising from accident injuries, sicknesseses, emergencies, specified genetic conditions and more. Cover is available to over 200 breeds of dogs and puppies.

Cat and Kitten Cover

$5,000 annual limit

The Cat and Kitten Plan covers medical and surgical treatment arising from accident injuries, sicknesseses, emergencies, specified genetic conditions and more. Feline is different from dogs, which differs vastly in size and temperament. Feline annual coverage is up to S$5,000.


To be eligible for Happy Tails insurance, your dog or cat must be:

  1. Aged between 16 weeks and below 9 years old
  2. Micro-chipped
  3. Has completed all required vaccinations
  4. Not a working pet (e.g. involved in racing, law enforcements or, breeding, guarding or for other commercial use)
  5. Not used for breeding purposes
  6. Clinically examined by a licensed vet within 30 days from the commencement date of the insurance

Common Terms Explained


As Pet Parents, we all know that vet bills can amount to astronomical figures. Happy Tails™ is to help cover the big bills. To keep Happy Tails™ affordable, pet parents co-share a portion of the claim. Co-insurance refers to the portion of a claim you bear.

We encourage Pet Parents to enrol your pet early between the age of sixteen (16) weeks to less than four (4) years to enjoy 80% Lifetime reimbursement for your pets. There are three (3) levels of Co-insurance with older pets aged seven (7) to below nine (9) years being covered at 60% reimbursement for life. Don’t wait, get an early head-start for your beloved dog and cat today!


Happy Tails™ is designed to take care of the big bills. Hence, everyday ailments like skin infections, diarrhoea or minor wounds are not covered. Protection is specially for major surgeries like hip replacement, Inverterbral Disk Disease and/or Soft Tissue Surgery. Pet parents share a fixed portion of the claim known as the Deductible of $250. This sum is in addition to your share of the Co-insurance. This way, we enable premiums for Happy Tails™ remain affordable, and sustainable in the long run.


A properly licensed and registered Veterinarian in active practice and excludes you, your parents, brother or sister, husband or wife, child or relative.

What is a pre-existing condition?

A pre-existing condition means a condition that first occurred or showed clinical signs or symptoms (whether diagnosed or not) before your pet’s insurance starts and during the waiting period after the cover takes effect. Happy Tails™ does not cover pre-existing conditions. Such an exclusion is typical to most pet insurance providing health coverage.

What is not covered?

We are all about protecting your dog and cat from the unexpected and you from the financial strains of their surgical treatment. Our pet insurance plan does not cover pre-existing conditions, clinical examination for insurance enrolment, preventative care such as annual check-ups, vaccinations; spay/neuter procedures and teeth cleaning. For more information, see the complete list of exclusions here.

If your pet is not spayed or neutered, there is no cover for sicknesses relating to prostate problems, hormonal skin conditions, perianal hernias, testicular tumours, mammary tumours, uterine and ovarian conditions.

Diagnostics, X-rays, Blood Works, Ultrasound, MRI

The costs of Diagnostic and imaging test are covered when this results in a medically necessary surgical procedure.

Common Pet sicknesseses and Accidents

When we say we cover pet sicknesses or accident (except pre-existing conditions), it may not be obvious just how many things can happen to your dog or cat. Here are some common pet sicknesses and accident shared from Pet Parents in Singapore.

Common sicknesseses and Accidents for Dogs and Cats
Foreign Body Obstruction Keep an eye on what goes into your pet's mouth. If it's out, they may eat it, including bones, chew toys, corncobs, tennis balls and even sewing needles! Hopefully, whatever they can't digest will make its way out of their system, but if it doesn't, they'll need surgery that costs about $3,000 to get it out and prevent injury to their internal organs.
Cruciate Ligament Tears (ACL Injury) This is a serious problem with a serious price tag to treat – about $3,000 - $5,000. Dogs with this injury will suddenly appear lame and generally won't put any weight on the injured leg.
Urinary Tract Infection This is a common problem for both cats and dogs. When this area gets infected your pet may have bloody urine, have to urinate frequently and may even have accidents around the house.
Patella Luxation Also known as a floating kneecap, this hereditary condition is common in small and toy breeds of dogs. This ailment happens when the kneecap won't stay in place, occasionally slipping or luxating. When this happens your dog may pick up its leg and yelp.

Pet Hereditary and Congenital Conditions

Hereditary and congenital conditions in dogs and cats can appear as early as birth, but problems often develop later in life. Your frisky and fancy-free dog or cat may develop a hereditary or congenital condition that is very expensive to treat.

Fortunately, Happy Tails™ offers protection for specified conditions for life as long as they are enrolled before six (6) years old. So while you focus on caring for your pet, we will take care of the treatment cost, saving you many thousands of dollars.

Hereditary/Congenital Conditions Average Cost** Happy Tails Pay*
Elbow Dysplasia
Initial diagnostics, surgery (arthroscopy), pain medications, follow-up x-rays, and rehabilitation
$4,000 $2,950
Cherry Eye (Entropion)
Corneal stains, medications, surgical correction
$1,500 $950
Intervetrebral disc disease (IVDD)
Initial x-rays and blood work, surgery, rehab and medications
$7,000 $5,350

*Based on a 80% Co-insurance plan
**Treatment cost vary based on severity

Pet Cancer

A Frightening Fact
Cancer can strike your pooch or little purry one at any age, although it is more common in older pets. Certain breeds of dogs and cats have higher rates of cancer than others. So, be sure to talk to your veterinarian about potential risk factors. And remember, early detection is the key to successful treatment and recovery.

You should only apply for Happy Tails if you decide that it is suitable for your risks and needs. Please seek quotes from an alternative market source should the product not be suitable to your risks and needs. This insurance is underwritten by Income Insurance Limited. The information contained herein is subject to the terms, conditions and exclusions of the policy wording, a copy of which can be obtained here.