What is Pet Insurance? Why Do I Need It?

In one of our previous articles, we learnt about Jane and Milky’s experience with entropion. Entropion is a condition in which eyelids begin to roll inwards to the eyeball. It commonly affects animals who have thick eyelids, such as Chow Chows. 

At the end of her anecdote, she wonders about AoN Happy Tails Insurance. 

We sat down with Jane once more to discuss the benefits of pet insurance, and how owning one might have eased the financial burden she experienced.


Photo Credit: Instagram @oolongmilkytea

Hi Jane. We understand that it’s been some time since Milky underwent his eye surgery. Can we ask how he’s doing now?

Jane: He is doing great now! However, the vet recommended undergoing 2-3 more surgeries as his eyelid will continue to drop as he grows older. 

For now, we pay close attention to his tear stains, and/or if he starts scratching his eye excessively. It pains our heart to see him go through multiple surgeries at a young age.

I felt truly distressed reading about Milky’s experience with entropion. In your articles, you mentioned having to pay out lots of money to cover Milky’s consultations and surgeries. What was the total estimated bill incurred?

Jane: All in all, we spent close to $6,000. As it was our first time overcoming the entropion issue, we went for multiple vet consultations. We also had to cover for corrective surgery as the first one was unsuccessful. It was a very stressful period as we had to manage our emotions of watching our boy go through a difficult time. We also struggled to decide whether to go for the best treatment or the best financial decision.

Luckily, I had my husband with me hence we were able to share the burden, and alternate between roles (i.e. when he gets too emotional, I will try to be the logical one and make a decision from gathered data, and asking questions).

I’m so sorry to hear that. I hope your family feels much better now. Overall, what would you conclude was your biggest takeaway from this experience?

Jane: At the end of the article, I mentioned coming across Happy Tails pet insurance. I think having said pet insurance might have helped us A LOT. Compared to Western countries, local pet owners are unlikely to purchase insurance as they feel it might be more expensive in the long run.

Yet, I disagree! We spent a lot of money to ensure Milky’s health. If we had been insured, we might have been able to alleviate some of the costs incurred especially through insurance claims!

Photo Credit: Instagram @oolongmilkytea

I see! Do you think owning pet insurance is important?

Jane: Owning pet insurance might be beneficial in the long run. I think a large stigma against pet insurance stems from the fact that there are no agents actively selling pet insurance. As a result, pet owners are afraid claims will be difficult, and/or there will be hidden clauses. 

I would advise pet owners to make sure they read the T&Cs carefully to ensure that they fully understand the policy and what type of expenses can be claimed and what cannot be claimed. Also, check the duration given between each claim!


Thanks Jane!

Pet Insurance helps to protect the well-being of your fur friends. Like regular insurance, pet insurance covers medical fees incurred by vet visits. 

In Singapore, options for pet insurance are rather limited. However, for pet owners who are largely concerned with the cost of medical bills- Happy Tails pet insurance offers a comprehensive medical plan. Their coverage extends beyond one-off accidents, going beyond to consider outgoing costs in medical care for injuries and illnesses.

AoN Happy Tails Pet Insurance promises to cover a wide range of fees and expenses such as:

  • Diagnostic tests such as x-rays and blood tests culminating in surgery
  • Surgery fees
  • Medications
  • Chemotherapy charges
  • Room and board charges
  • Post-surgery follow-up treatments
  • Surgical implants

This helps to alleviate some of the burden pet owners might experience with veterinary medical bills. Like Jane, many pet owners may undergo repeated consultations and surgeries to ensure the well-being of their pets. With pet insurance, such expenses can be covered and subsequently claimed. That way, you can keep your pets safe while reducing the pressure unexpected surgical procedures can have on your wallet. 

Photo Credit: Instagram @aonhappytails

You can find out more about Happy Tails pet insurance via their Instagram or Website.

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