How We Make Recommendations
The short version
You tell us about your pet. We evaluate the leading pet insurance policies available in Singapore against the dimensions below, weighted for your pet's circumstances. You get a written recommendation with the reasoning, prepared before any purchase decision, and unchanged by any commercial arrangement.
The analysis is AI-assisted: artificial intelligence tools apply this framework consistently to every assessment, and every recommendation is reviewed by a human before delivery. Full details on our AI & Technology page.
What we evaluate
Coverage, what the policy actually pays for: accidents, illness, surgery, hospitalisation, and where the meaningful gaps are.
Exclusions, the fine print that decides whether a claim succeeds. We read it so you don't have to.
Annual limits and sub-limits, headline limits matter less than the per-condition and per-year caps underneath them.
Waiting periods, how long after purchase before cover actually starts, and how that interacts with your pet's current health.
Co-insurance and deductibles, what you'd really pay at the vet counter after a claim.
Hereditary and congenital condition terms, often the difference between useful and useless coverage for pedigree breeds.
Breed-specific exclusions, some policies quietly exclude the conditions your breed is most likely to develop.
Premium structure, how the cost is built: co-insurance bands set by entry age and locked for life, deductibles per claim or per surgery, and renewal-age caps. A low first-year price means little if the structure turns against you later. We do not quote or estimate the premium itself, because policy wordings do not contain premiums, the insurer sets them at quote time. Where cost decides the answer, we say so and tell you to get a quote.
Claim experience, where reliable public information exists about insurers' claims handling, we take it into account.
Suitability, all of the above, weighed against your pet's age, breed, medical history and your circumstances. This is the step where "don't insure" sometimes becomes the right answer.
Legal requirements attached to the breed, where they exist. Singapore law requires the owner of a Specified Dog to hold third-party liability insurance of at least S$100,000. Where that applies to your pet, we report the requirement, cite the source, and show which policies carry that cover. We report the rule; we do not advise on it, and it is not legal advice.
What shapes the outcome
- Your inputs. The recommendation depends on the accuracy and completeness of what you tell us, especially medical history.
- Policy information at the time of assessment. Insurers change terms, premiums and underwriting. Your recommendation reflects the position on the date it's issued.
- The methodology, not commerce. Recommendations are generated by the framework above. Commercial arrangements do not change them. See Editorial Independence.
What we can't do
We can't guarantee an insurer will accept your application, hold its premiums, or pay a specific claim. Those decisions belong to the insurer, under the policy wording, which is always the binding document, and always worth reading before you buy.