Protecting Every Paw, Every Whisker, Every Step of the Way!

From check-ups to unexpected emergencies, our Silversky Protect pet insurance covers every aspect of your furry friend's health, making their well-being both accessible and affordable for every pet parent.

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Get an $80 WELLNESS Pet Care Pack when you ENROLL TODAY!

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Comprehensive Coverage For Your Pet

Covers injuries and illnesses
Freedom of vet choice and coverage for hospitalisation and surgical expenses

Coverage of up to S$13,000

Complementary therapy perks
Coverage for complementary therapies after surgery for rehabilitative treatment of injury or illness

Coverage of up to S$500

Final expenses coverage included
Up to $400 coverage for costs of farewell services such as burial and cremation

Coverage of up to S$400

All sum insured are per pet per policy year
BenefitsSilver PlanGold PlanPlatinum Plan
Hospitalisation and surgeryS$3,500S$7,500S$13,000
Pre-surgery consultation and diagnostic tests (Up to 30 Days before surgery)S$100S$200S$300
Post-surgery treatment (Up to 60 days from discharge)S$200S$500S$700
Complementary therapyS$100 (S$50/visit)S$200 (S$50/visit)S$500 (S$50/visit)
Final expensesS$200S$300S$400
Third party legal liabilityS$100,000S$200,000S$500,000
Emergency pet transportS$30S$40S$50
Get well benefitS$50S$50S$100
Deductible and Co-payment
Deductible and Co-payment applies for hospitalisation and surgery, pre-surgery consultation and diagnostic tests, post-surgery treatment and complementary therapy.

The order in which they shall be applied to covered claims is deductible amounts first and co-payment amounts second.

Deductible refers to the fixed amount of any claim for which the policyholder must bear for each hospitalization admission, inclusive of the goods & services tax if applicable.

S$250 per hospitalization admission

Co-payment refers to the percentage of the eligible claims to be borne by the policyholder for all claims after the deductible is applied, inclusive of the goods & services tax if applicable.

20% : For pet enrolled before 5 years old

40% : For pet enrolled between 5 to 9 years old

Click here to view the Silversky Protect Policy Wording
No Claim Discount (NCD)
In the event of no claim arising under this policy, the renewal premium for your pet shall be reduced as follows:
Period of InsuranceDiscount

The preceding year

5%

The preceding two consecutive years

10%

The preceding three consecutive years or more

15%
The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions.

Make stressful situations a little easier

Here's how Silversky Protect can help to ease your expenses.

Based on the Silversky Protect Silver Plan^

Your 2-year-old dog sustains an injury during playtime, and the total cost of treatment (e.g., diagnosis, hospitalization, and surgery) amounts to S$5,000. Instead of having to pay the full cost of S$5,000, your vet expenses now amount to only S$1,200 (S$250 deductible + 20% co-payment) as Silversky Protect provides a reimbursement of S$3,800.


^The above example is for illustrative purposes only. Treatment cost may vary. Bill and claim amounts are subject to policy terms and conditions.

Frequently Asked Questions

Your go-to guide for navigating Silversky Protect's coverage, claims, and everything in between.

What is SilverSky Protect?
SilverSky Protect is an exclusive pet insurance underwritten by MSIG Insurance (Singapore) Pte Ltd and distributed by Stere Singapore Insurance Agency Pte. Ltd. to SilverSky’s clients. It helps pet owners manage expensive veterinary clinic bills in connection with their pet’s emergencies, illnesses, and injuries as well as provide cover for post-surgery treatment and third party liability.
Is my pet eligible for Silversky Protect?
Your pet must:

a) be aged between 16 weeks to nine years at the commencement date of this policy.
b) be aged 13 years or below at the renewal date of this policy;
c) be for personal companionship and pleasure and not be a working pet. A working pet is a pet involved in activities including but not limited to racing, breeding, law enforcement, guarding, providing assistance to visually impaired persons or for other commercial use;
d) be micro-chipped;
e) have completed all required vaccinations;
f) be licensed to you; and
g) be residing with you or your family in Singapore.

You must be:
a) 18 years or older; and
b) the registered owner of the pet.
What are some key exclusions?
There are certain situations where no benefits will be payable under the policy. There are stated as general exclusions in the policy. The following is a list of some exclusions for this policy. You are advised to read the policy for full details of the exclusions.

1. Any pre-existing condition, hereditary and congenital conditions.
2. Any deductible or co-payment as stated in the schedule.
3. Injury that occurs or recurs within the first 14 days of the first commencement date of your policy.
4. Illness that occurs or recurs within the first 60 days of the first commencement date of your policy.
5. Spaying, neutering, cryptorchidism.

For the full list of general exclusions, please refer to our policy wordings.
How do I make a Claim?
First, download the claim form and fill it out. Then email the completed form along with all supporting documents to claims@sg.msig-asia.com. Information requested on the claim form includes the claimant’s personal particulars, contact details and policy number.

You should also include a brief description of the claim and particulars of other persons or witnesses involved, if applicable.
How does deductible and co-payment work?
Deductible is applied first on eligible expenses related to each hospitalisation and surgery (note: surgery must be performed). Co-payment is then applied on the remaining eligible expenses.

The policyholder is responsible for paying the Deductible, Co-payment amount, and any ineligible expenses.

If the deductible amount has been met for an event of hospitalisation and surgery, the sections which require deductible and co-payment for the same injury or illness (which surgery was performed) will only require policyholder to pay co-payment.

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