PawEasy

What does PawEasy cover?

PawEasy covers hospitalisation and surgery expenses, pre and post-surgery consultations and treatments, prescribed complementary therapies following surgery. The policy also covers the costs of mobility aids and final expenses.

We offer optional benefits including outpatient non-surgical cover, chemotherapy cover, pet boarding, third party legal liability and an option to reduce policy deductible and co-payment.

What are the eligibility criteria and conditions to apply for PawEasy?

a) You must be at least 18 years old and licensed to own your pet.
b) Your pet must be between 16 weeks to 9 years old at the commencement date of the policy.

To keep your furry friend covered, your pet must be:

• Vaccinated on all required core vaccinations.
• Healthy and free from any disabilities, defects, illnesses or medical conditions.
• Microchipped and registered under your name with a valid license.
• Not a working pet.

A working pet is defined as one that is used for breeding, and is trained for activities like racing, guiding, assisting a visually impaired person, or is involved in other commercial uses.

What should I do if I cannot find my dog’s breed in the application page?

If your pet dog is a Singapore Special (also known as mongrel), please select “mixed breed”.

If you are not able to find your dog’s breed, please email to us with your dog’s name, date of birth and breed name and we will assist you with the application.

How can I reduce my deductible and co-payment?

Please add on the optional benefit to reduce your deductible and co-payment when you are making your online purchase.

Is complementary therapy covered due to cancer?

No, Section 4 – Complementary Therapy does not cover post-surgical cancer management therapies.

What does Chemotherapy cover?

It pays for chemotherapy treatment as prescribed by the vet.

This optional cover does not reinstate upon renewal and will terminate when the sum insured is fully utilised for your pet.

Does PawEasy cover for when my pet injures someone or damages their property?

Yes, we will indemnify you against legal liability caused by your pet, resulting from:

1. death or injury of any other person; or
2. loss of or damage to other’s property.

We will also pay for the litigation costs and expenses incurred by you or recovered by any claimant from you with our written consent.

This coverage is exclusively within the Republic of Singapore. Terms and conditions apply.

Does PawEasy cover vet visits and hospital stays without surgery?

Yes, if you add on the option for outpatient non-surgical cover, we will reimburse eligible medical expenses for outpatient treatment of illnesses and injuries that do not require surgery. It also pays for hospital stays that don't involve surgery. Sub-limits apply.

Are final expenses covered if my pet dies of old age?

Yes, the policy covers for the expenses involved in the burial or cremation of the pet. We also reimburse the cost of euthanasia, provided it is prescribed by the vet to relieve inhumane suffering.

If I am overseas and cannot return to Singapore in time due to injury, illness or a delay of transport, can I claim for additional pet boarding expenses?

If you have purchased the option for Pet boarding benefit, we will reimburse the additional pet boarding expenses provided:

• You are certified unfit for travel by an overseas doctor and/or
• Has obtained a letter from the transport provider stating the reason and length of delay.

All established pet boarding services, including pet sitters engaged through licensed platforms are recognised as long as you obtain an official invoice or payment receipt from the establishment.

Is my pet covered for congenital conditions?

For pets below 6 years old at the commencement date of the policy, we will cover the following 5 hereditary and congenital conditions that occur or recur after the first 12 months, provided they are not pre-existing conditions:

a) Joint conditions such as hip and elbow dysplasia, and luxating patella
b) Eye conditions such as glaucoma and cherry eye
c) Intervertebral disk disease (IVDD)

Please note that all other hereditary and congenital conditions not listed are not covered.

Is there a waiting period under the policy to make a claim?

The waiting period for injury and illness cover is 14 days and 60 days respectively.

Expenses incurred during the waiting period are not covered. This also applies to optional covers that you add on after purchasing the policy.

What are the key exclusions under PawEasy?

Pre-existing conditions, routine and preventive treatments are not covered.

Please refer to the full policy for details.

Is my pet still covered if I have to board my pet for a prolonged period?

If your board your pet at a pet hotel for more than 30 days, PawEasy will temporarily cease to cover your pet. However, Section 8 – Pet Boarding will continue to operate if you have purchased this optional cover.

All other coverage will resume when your pet returns to its usual residing household.

What is the No Claim Discount (NCD)?

If there are no claims made, you will enjoy up to 15% discount on your renewal premium.

How do the Deductible and Co-payment work when there is a claim?

The deductible and co-payment are portions of the incurred medical expenses that the policyholder is responsible for paying. This arrangement helps to keep your insurance premiums more affordable.

Below is an illustration how deductible and co-payment work:

Purchased plan: PawPlay (where the hospitalisation and surgery cover is $20,000)

Total hospitalisation and surgery expenses incurred = $10,000

Deductible: $200 and Co-payment: 20% (if pet was enrolled before 5 years old)

Step 1: Assessed amount after deductible

$10,000 - $200 deductibles = $9,800

Step 2: Assessed amount after co-payment

$9,800 x 20% co-payment = $1,960

The PawPlay plan will pay $7,840 ($9,800 - $1,960), and policyholder will pay $2,160 ($200 + $1,960).

If you would like to reduce out-of-pocket expenses during a claim, consider purchasing this optional cover offered under PawEasy.

Please note that PawEasy will only pay up to the maximum sum insured – amounts exceeding the sum insured and any ineligible expenses are not covered.

How do I make a claim?

You must contact us with full details within 30 days of any injury, illness or incident. You must also provide all necessary documents and cooperate fully with us and our appointed representatives.

Please click here to find out more about submitting a claim.

Is the policy renewable?

Yes, your policy is auto-renewable. At each renewal, we may adjust the premium and other terms and conditions.

We will notify you of any changes at least 30 days before the renewal date. By paying the premium after receiving our notice, you indicate your acceptance of the changes.

What are the optional covers that can be purchased after the policy is issued?

The following optional benefits can be added at the renewal of your policy: Third party legal liability, Pet boarding, Chemotherapy cover and Outpatient non-surgical cover.

Please note that the Reduction of deductible and co-payment benefit can only be purchased during the application of the PawEasy policy.

To purchase the optional cover after the policy is issued, please email to [email protected] with the following information:

• Policyholder's full name as per NRIC/FIN and last 5 alphanumeric of ID number (Example: 1234D)
• Contact number
• Policy number
• Any known circumstances or events likely to lead to a claim (Yes / No). If yes, please provide details

We will reply to your email within 3 working days on the additional premium payable if we agree on the purchase of the additional optional cover upon the next renewal.

What are the premium payment options available?

PawEasy is an annual policy, with monthly and annual credit card payment options available.

Can I upgrade my policy from a lower plan to a higher plan (for example, from PawPat to PawPlay)?

Yes, you can upgrade from a lower plan to a higher plan at the point of renewal of your policy. Any pre-existing injuries or illnesses before the upgrade will still be covered, but only up to the previous coverage limit.

Can I cancel the policy at any point in time and will I get a refund?

Yes the policy can be cancelled at any point in time. You will be entitled to a pro-rated refund of the pet insurance premium provided there is no claim under the policy. If the refundable premium is below $50, there will be no refund.

Please email to MSIG Customer Service at [email protected]. Do include the following details to help us process your request promptly. Please refer to General conditions 11 – Cancellation for information on cancellation and refund matters.

• Policyholder's full name as per NRIC/FIN and last 5 alphanumeric of ID number (Example: 1234D)
• Contact number
• Policy number

If I have a question that is not listed in this FAQ, who can I approach?

Please email us at [email protected]. We will reply to your email within 3 working days.