Prestige Pets insurance

Frequently Asked Questions

General

What is covered?


Prestige Pets Insurace is a underwriting of Liberty Pets Insurance. It covers the non-surgical & surgical vet treatment on illnesses, accidental injury, accidental death, theft, and third-party liability. There is a three (3) months waiting period from the policy's first commencement during which illness claims are not payable. If your pet fall sick or accidentally injured themself, we covers. It's that simple. You can visit any licensed veterinarian, including emergency animal hospitals and specialist in Singapore. Our Pets insurance comprises of 3 plan options to cater to diferent needs. Get your no-obligation pet insurance quote here today!




Are there any caps or maximum limits?


Different plans offers different coverage. Currently, the highest we cover is $10,000 a year. For more information, please refer here.




What are the type of expenses not covered?


Prestige Pets Insurance does not cover:

  • Theft arising from any intentional, neglectful, or preventable act
  • Liability arising from any intentional or preventable act
  • Pre-existing, Hereditary, Congenital, and Skin Conditions
  • Day to daycare (I.e Vitamins, Supplements, Vaccinations, Training, grooming)
  • Damage to teeth and gum unless as a result of an accident
  • Illness related to endoparasites or ectoparasites, hip dysplasia, rabies
  • Elective procedures and treatments (I.e Nail clipping, Tail docking, Debarking)
For full detail of the terms, conditions, and exclusions, please refer to our insurance policy.




Does my pet need a vet exam to qualify?


Pre-medical check-up is not needed before you can enroll your Furkid, that's one of our many perks. The online application will only take 10 minutes, and your policy will be processed.




Is the policy lifetime?


Prestige Pets Insurance is an annual renewal policy. Currently, we can cover till age of 11, and am working with the insurer to see how we can cover all Furkids beyond the age of 11.





Claim

What's the process for a claim?


Within 14 days, upon receiving the claim documents and receipt of the medical bill, the claim will be processed. As a form of appreciation from getting from Prestige Risk Management, all claims and services will be provided as a complimentary service to you. Simply drop us a contact or email pets@prestige-rm.com or whatsapp/text us at +65 8188 0301 with your reciept and we'll proceed to handle the claims for you.




How does the Co-insurance work?


Co-insurance means to co-share the bill with the insurance company. For example, if the bill works out to be $500 and the co-insurance is 30% means that company will pay $350 and you will only need to pay $150. You'd save a pawsome deal of 70% on Surgical Vet Treatment.





Eligibility / T&C

Is my pet eligible?


Eligibility will be as followed,

  • Be microchipped
  • Be residing regularly in the same premise as you
  • Be at least 8 weeks old and not more than 9 years old at the enrolment date
  • Not be a working dog (I.e Guide dog, Guard dog)
  • Not be a dog or cat used for breeding purposes




What are the exclusion of the policy?


Do note on the major exclusion as followed,

  • Theft arising from any intentional, neglectful, or preventable act
  • Liability arising from any intentional or preventable act
  • Pre-existing, Hereditary, Congenital, and Skin Conditions
  • Day to daycare (I.e Vitamins, Supplements, Vaccinations, Training, grooming)
  • Damage to teeth and gum unless as a result of an accident
  • Illness related to endoparasites or ectoparasites, hip dysplasia, rabies
  • Elective procedures and treatments (I.e Nail clipping, Tail docking, Debarking)




Will genetic / hereditary illness be covered?


As genetic / hereditary conditions are considered pre-existing condition, it will not be claimable. Our policy would only be ideal in the case where you need coverage for Non-Surgical and Surgical Treatment on Vet expenses on Illnesses.




My Furkid is requiring treatment. Could I purchase?


Currently, in the market, such treatment will be excluded in the plan coverage. However, it is good to start the coverage first to ensure protection for other illness not relating to the condition while we appeal on the case.





Pricing

Do you offer montly plan?


Yes, an interest-free installment payment plan of S$62.50 per month is available for our Superior Plan, if you hold a Visa or MasterCard from DBS/POSB.




Can I adjust the coverage and premiums for my furkid?


We try to keep things simple and easy for you so we have fixed the premium and reimbursement level for all plan types.




How does No-Claim Discount work?


In the event of no claim being made or arising under this Policy in the preceding year, a 5% discount will be rewarded to your renewal. You could accumulate the no claim discount up to 15%. However, should a claim be made, the no claim discount will reduced by 10%.





Check-ups

Is routine check-up covered under non-surgical treatment?


Routine check-up is under preventive care, currently, in the market, it's not embedded with any insurer plan. But, our policy is the only one providing coverge for Non-Surgical treatment, such as food poisoning and ear infections that do not require a surgical procedure by vet.





Address

Prestige Risk Management

71 Bukit Batok Crescent, #10-08 

Singapore 658071

pets@prestige-rm.com

+ 65 8188 0301

Our Insurers and partners

© 2019 Prestige Risk Management Pte Ltd. Pets Insurance Specialist Department.

Product underwritten by Liberty Insurance Pte Ltd.