Why We Charge
Most pet insurance advice in Singapore is free. That's exactly the problem.
Free advice isn't free
When advice costs you nothing, someone else is paying for it, usually an insurer, usually per sale. Comparison sites and sales channels earn when you buy, and earn nothing when the honest answer is "don't." However good the people involved, the economics lean one way: toward a purchase.
That's not a scandal. It's just an incentive structure. And incentive structures win over good intentions, given enough time.
We flipped the model
You pay Vera one fixed fee, up front, for an assessment. Then we do the work:
- We take your pet's circumstances, breed, age, medical history, seriously enough to read them against the fine print.
- We apply the same published methodology to every pet: coverage, exclusions, limits, waiting periods, co-insurance, hereditary and breed-specific terms, premium sustainability. See How We Make Recommendations.
- You get a written verdict with the reasoning, which may be a specific policy, a different insurer than you expected, or no insurance at all.
The fee is identical in every case. Our revenue from your assessment doesn't depend on whether you buy or what you buy. That single change removes the pressure that free advice is built on.
What the fee buys you
Work, not access. Reading policy wordings is tedious, which is why almost nobody does it. Exclusion clauses, sub-limits and hereditary carve-outs are where pet insurance quietly fails people, usually discovered at the vet counter, at the worst possible moment. The fee pays for that reading to happen before you commit, not after.
A verdict you can act on. Not a ranking table with fourteen asterisks, a recommendation for your pet, with the reasoning shown, prepared before any purchase decision and reviewed by a human before it reaches you.
Permission to hear "no." A business paid per sale can't afford to tell you not to buy. We can. Sometimes we do.
The fine print, plainly
One fixed fee. No subscription. No pressure. No obligation to purchase anything. Full refund any time before your assessment is delivered, see the Refund Policy. And our recommendation is advice, not a guarantee: insurers decide whether to accept applications, and on what terms.
The short version
Free comparison sites are paid by insurers. We're paid by you. Everything else about Vera follows from that.