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
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
Optional add on: Non-Surgical CoverageSilver PlanGold PlanPlatinum Plan
Maximum Annual LimitS$1,500S$3,000S$4,000
Outpatient coverS$150/visitS$300/visitS$400/visit
Hospitalisation without surgeryS$300 /admissionS$400 /admissionS$400 /admission
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. Only Co-payment applies for non-surgical cover.

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
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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, a pet insurance underwritten by MSIG Insurance (Singapore) Pte Ltd, is designed exclusively for SilverSky’s clients and distributed by Stere Singapore Insurance Agency Pte. Ltd. It helps pet owners manage expensive veterinary bills for hospitalisation, surgery and post-surgery treatments. There is also the optional non-surgical cover which reimburses outpatient medical expenses incurred for non-surgical treatment such as broken bones, bite wounds, and toxic ingestions.
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 involving in activities such as racing, breeding and providing assistance to visually impaired persons.
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.
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Does my pet need a vet examination to apply for SilverSky Protect?
No, a pet health examination is not required to apply for the insurance.
What are some key exclusions?
Some of the key exclusions include:
a) any pre-existing condition, hereditary and congenital conditions.
b) dental treatment (unless due to an accident)
c) routine care
d) elective procedures
e) any treatment not certified as medically necessary
f) any deductible or co-payment as stated in the schedule.
g) injury that occurs or recurs within the first 14 days of the first commencement date of your policy.
h) illness that occurs or recurs within the first 60 days of the first commencement date of your policy.
i) spaying, neutering, cryptorchidism.
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Please refer to the policy for the full details of exclusions.
How do I make a Claim?
a) Download the claim form and fill it out. 
b) Email the completed form and supporting documents to medicalclaims@inovacare.com
c) Please include your personal particulars, contact details, policy number, a brief description of the claim, and details of other persons or witness involved, if applicable.

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Issuance of coverage is subject to underwriting. Please see the policy for full terms, conditions and exclusions. Coverage is dependent on actual facts and circumstances giving rise to a claim.
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