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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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

Benefits	Silver Plan	Gold Plan	Platinum Plan
Hospitalisation and surgery	S$3,500	S$7,500	S$13,000
Pre-surgery consultation and diagnostic tests (Up to 30 Days before surgery)	S$100	S$200	S$300
Post-surgery treatment (Up to 60 days from discharge)	S$200	S$500	S$700
Complementary therapy	S$100 (S$50/visit)	S$200 (S$50/visit)	S$500 (S$50/visit)
Final expenses	S$200	S$300	S$400
Third party legal liability	S$100,000	S$200,000	S$500,000
Emergency pet transport	S$30	S$40	S$50
Get well benefit	S$50	S$50	S$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 Insurance	Discount
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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How do I make claims if my pet is hospitalised?

Please submit your completed claim form and supporting documents to claims@sg.msig-asia.com.

Are consultations covered?

Pre-surgery consultation and diagnostic tests expenses covered under this section are limited to vet consultation fees, diagnostic test such as laboratory, X-ray or other medically necessary diagnostic procedures, provided it is prescribed by the same vet who performed the surgery up to 30 days before the surgery.

What is the maximum renewal age to enrol?

Renewal will be invited for pets up to 13 years old and may include changes to premiums or policy terms. Your continuous payment of premiums will mean you accept the renewal terms.

Will my premiums increase for subsequent renewals?

Premiums will increase based on the pet’s age by default. We may apply some premium loading for renewal if there are claims in the preceding year.

How do I pay for SilverSky Protect?

This policy is issued on an annual basis, subject to our agreement in writing, premium can be paid on a monthly basis or on an annual basis.

a) If premium is paid monthly: The first monthly premium is payable on the commencement date and subsequent monthly premiums are due on the same date on each succeeding month.

b) If premium is paid annually: The first annual premium is payable on the commencement date and subsequent premiums are due on the same date on each succeeding year.

Changes in the frequency of premium payments to or from monthly or annual payments cannot be made unless we, on receipt of a request to do so by the policyholder, allow otherwise.

What is Complementary Therapy Benefit?

Complementary therapy refers to services provided by licensed establishments such as acupuncture, chiropractic treatment, laser treatment, hydrotherapy and physiotherapy services prescribed for the rehabilitative treatment of thesame injury or illness for which the surgery was performed.

We will reimburse for the cost of complementary therapies incurred after surgery, provided they are prescribed by the attending vet. For avoidance of doubt, the attending vet refers to the vet who has diagnosed and performed surgery onyour pet. Please note that deductible and co-payment applies.

What is SilverSky Protect’s coverage for third party legal liability?

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 property belonging to other people.

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

This section is limited to a territorial scope of cover within the Republic of Singapore. Terms and conditions apply.

Can I claim for emergency pet transport?

We will reimburse transport expenses incurred in bringing your pet to the vet for emergency medical treatment due to injury or illness suffered during the period of insurance, to avoid death or impairment to your pet’s health.

When submitting a claim to us, you must submit the invoice from the vet together with your transport receipt.

Can I get covered if my pet passes away?

We will reimburse for the expenses incurred for the burial or cremation of your pet, in the event it passes away during the period of insurance.

This section will also reimburse the cost of euthanasia, provided it is prescribed by the vet to relieve inhumane suffering.

Do I get a discount if no claim arises during the period of insurance?

No claim discount (“NCD”) is applicable to policies with annual premium payment only. In the event of no claim arising from your pet during the period of insurance immediately preceding the renewal of this policy, the renewal premium for your pet shall be reduced as follows:
‍

Period of insurance	Discount
The preceding year	5%
The preceding two consecutive years	10%
The preceding three consecutive years or more	15%

‍
In the event of a claim, the NCD shall be reduced to zero at the next renewal of the policy.

Can I file a pre-surgery consultation claim by an online vet?

Pre-surgery consultations and diagnostic tests are normally done with the pet physically present at a vet clinic for proper examination results. As such, we will not accept pre-surgery consultation done online.

Can I cancel the policy at any time upon purchase?

If we are issuing this policy to you for the first time, we will give you a “Free Look” period of 14 business days from the date you receive the policy. If within these 14 days, you tell us that you do not want the policy, we will cancel it from its start date and refund in full the premium you have paid so long as no claim has arisen.

Please note:

a) You are assumed to have received the policy within three days after we despatch it.

b) The Free Look will not apply to renewals of your policy with us.

After the Free Look period, you may cancel your policy at any time by giving 14 days’ written notice to us.

For the full cancellation terms, please refer to our policy wordings.

I have a question that is not listed in this FAQ. Who can I approach/write to for more information?

Please email to MSIG at service@sg.msig-asia.com

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Sign up now & get a WELLNESS Pet Care Pack worth S$80^

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

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

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

Comprehensive Coverage For Your Pet

Make stressful situations a little easier

Based on the Silversky Protect Silver Plan^

Frequently Asked Questions

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

Based on the Silversky Protect Silver Plan^{^}