<p>【新加坡】宠物保险仍然是新加坡保险市场一个不断增长的细分领域，但有迹象表明，由疫情时期的宠物领养推动的投保激增可能正在减缓。</p>
<p>尽管保险公司告诉《商业时报》，过去五年宠物保险的需求有所上升，但有一位观察者指出，在 Covid-19 宠物领养热潮后的初期激增后，保单采纳的增长已放缓。</p>
<p>尽管新加坡的宠物拥有率在上升，但在疫情后增速较为温和。根据《海峡时报》报道，截至 2025 年，新加坡的持证犬数量从 2019 年的约 69,000 只增加了 30%，达到约 91,000 只，而猫的数量在 2024 年上升至 94,000 只，比 2019 年增加了近 10%。</p>
<p>在国家发展部于 5 月 6 日回应议会提问时表示，政府没有计划允许使用 MediSave 基金支付兽医费用或宠物保险保费后，宠物医疗的可负担性引起了关注。</p>
<p>与人类医疗不同，新加坡的宠物医疗没有补贴，宠物主人需要自行承担兽医费用。</p>
<p>此外，近年来兽医费用不断上升，人工和医疗用品成本上升，宠物主人越来越将宠物视为家庭的一部分。</p>
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<p>尽管更高的兽医费用推动了宠物保险的需求，但一些宠物主人选择不投保，独立管理宠物的医疗费用，原因在于保单的限制和排除条款。</p>
<h2>增长持续，但势头可能减弱</h2>
<p>《商业时报》采访的四家保险公司均报告称，过去五年宠物保险的投保人数上升，尽管他们拒绝提供具体的保单数量。</p>
<p>Etiqa 保险新加坡自 2024 年 1 月推出宠物保险以来，宠物保险购买量年均增长约 20%。</p>
<p>另见</p>
<p><img src="https://imageproxy.pbkrs.com/https://cassette.sphdigital.com.sg/image/businesstimes/a72cba5614cb5ca1a36b34636c34a91264bae6b30b1cc4bdff93cd88c110f17b/query-ZHByPTEmZj13ZWJwJnc9MjQw?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://cassette.sphdigital.com.sg/image/businesstimes/a72cba5614cb5ca1a36b34636c34a91264bae6b30b1cc4bdff93cd88c110f17b/query-ZHByPTEmZj13ZWJwJnc9MjQw"/></p>
<h3>新加坡的家庭宠物寄养因低成本和高需求而增长</h3>
<p><img src="https://imageproxy.pbkrs.com/https://cassette.sphdigital.com.sg/image/businesstimes/a53eed876272d4582a4be33451e7347d4c238716243f558c947fc8426975ae3a/query-ZHByPTEmZj13ZWJwJnc9MjQw?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://cassette.sphdigital.com.sg/image/businesstimes/a53eed876272d4582a4be33451e7347d4c238716243f558c947fc8426975ae3a/query-ZHByPTEmZj13ZWJwJnc9MjQw"/></p>
<h3>令人信服的增长：宠物数量上升，宠物主人热衷推动新鲜宠物食品的需求</h3>
<p><img src="https://imageproxy.pbkrs.com/https://cassette.sphdigital.com.sg/image/businesstimes/b7d8570842d8cada28996e01c4297f54998ce4856f02f0e81424c2ef100cd25e/query-ZHByPTEmZj13ZWJwJnc9MjQw?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://cassette.sphdigital.com.sg/image/businesstimes/b7d8570842d8cada28996e01c4297f54998ce4856f02f0e81424c2ef100cd25e/query-ZHByPTEmZj13ZWJwJnc9MjQw"/></p>
<h3>宠物主人在消费上大方，但行业竞争激烈</h3>
<p>MSIG 的 PawEasy 保单于 2025 年 4 月推出，在 2026 年第一季度的保单数量较前一季度也实现了两位数的增长。</p>
<p>与此同时，Income 保险报告称，其 Happy Tails 保单的需求同比增长超过 20%。该保单于 2021 年推出，以应对宠物拥有率的上升。</p>
<p>然而，CIMB 的需求似乎正在减缓。</p>
<p>该银行的 My Paw Pal 保险计划于 2019 年推出，在 2021 年至 2023 年间，保单数量增长超过 38%，这是由于新加坡人在 Covid-19 疫情期间转向动物陪伴而引发的 “疫情宠物” 潮。</p>
<p>但在过去两年中，随着宠物领养率在疫情后减缓，加上成本上升和返岗要求，一些动物收容所报告称领养数量下降了多达 50%。</p>
<p>尽管如此，CIMB 新加坡的消费者银行和数字部门负责人 Merlyn Tsai 认为，宠物保险市场仍然 “充满希望”，因为对这些保单的认知和对其保障的重视持续增长。</p>
<p>另外，公开信息显示，友邦保险在 2025 年停止了其 AIA Paw Safe 宠物保险产品。该保险公司没有说明为何停止提供这一于 2006 年推出的保单。</p>
<h2>安全总比后悔好</h2>
<p>对于 Melissa Yip 来说，为她五岁的狗购买宠物保险的决定源于一个担忧：椎间盘疾病（IVDD），这是一种痛苦的退行性脊柱疾病，尤其影响腊肠犬品种。</p>
<p>“这真的很可怕（和）令人心碎……因为它们（可能）失去四肢的活动能力，” 这位 31 岁的自雇企业主说道，她还养了一只猫，并在 Instagram 上运营一个名为 @heihei.oli.youtiao 的页面，展示她的宠物。</p>
<p><img src="https://imageproxy.pbkrs.com/https://cassette.sphdigital.com.sg/image/businesstimes/b5ea259c051e29def92656a45f5aa8ee71f704e446d064288d4ed53e7e41eaa9?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://cassette.sphdigital.com.sg/image/businesstimes/b5ea259c051e29def92656a45f5aa8ee71f704e446d064288d4ed53e7e41eaa9"/></p>
<p>Melissa Yip，31 岁，为她的迷你腊肠犬 Youtiao（如图所示）购买了宠物保险，因为她了解到腊肠犬品种面临椎间盘疾病的风险。照片来源：@HEIHEI.OLI.YOUTIAO 的 Instagram 页面</p>
<p>Yip 在 2023 年为她两岁的迷你腊肠犬 Youtiao 购买了宠物保险，得知其他腊肠犬主人如何因 IVDD 而面临高额治疗费用。</p>
<p>听到那些后悔没有购买保险的主人在他们的腊肠犬得了 IVDD 后所经历的事情，让她相信 “安全总比后悔好”。</p>
<p>Yip 最终在其他腊肠犬主人的推荐下购买了 Income 的 Happy Tails 保单。</p>
<p>然而，她并没有为她五岁的布偶猫 Oli 购买保险，因为她不知道有多少布偶猫主人为他们的猫投保。</p>
<p>Happy Tails 提供高达 22,000 新元的手术费用保障，涵盖因伤病和特定遗传及先天性疾病（包括 IVDD）造成的费用。</p>
<p>Income 的网站显示，如果没有保险，IVDD 的治疗费用约为 7,000 新元，具体金额取决于病情的严重程度。</p>
<p>其他腊肠犬主人报告称，IVDD 手术费用高达 15,000 至 18,000 新元，Yip 表示，她每年在狗的保险费用上花费超过 600 新元，而这一费用从去年的约 500 新元增加。</p>
<p><img src="https://imageproxy.pbkrs.com/https://cassette.sphdigital.com.sg/image/businesstimes/4490299b9a34db882345c97a6309fbf0d5c069b8937f5da650ebca1c57cc320b?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://cassette.sphdigital.com.sg/image/businesstimes/4490299b9a34db882345c97a6309fbf0d5c069b8937f5da650ebca1c57cc320b"/></p>
<p>Yip 没有为她五岁的布偶猫 Oli（如图所示）购买保险，因为她不知道有多少布偶猫主人为他们的猫咪投保。照片来源：@HEIHEI.OLI.YOUTIAO 的 Instagram 页面</p>
<h2>并非每位宠物主人都信服</h2>
<p>然而，一些主人更倾向于独立管理医疗费用，而不是依赖保险。</p>
<p>27 岁的设计师 Nicole Leong 在 2024 年收养了一对双胞胎杰克拉塞尔犬小狗，她认为宠物保险性价比不高，因为许多保单的覆盖范围有限。</p>
<p>例如，一些计划排除非手术治疗，或对主人最有可能提出索赔的项目设置限制。</p>
<p>Leong 为她的狗狗设定了年度医疗预算，并计划依靠这些储蓄来应对未来的费用。</p>
<p>同样，26 岁的 Angeline Chai，五岁博美犬 Yuki 的主人，在探索了几种保险选项后，决定现有的覆盖范围与她狗狗的医疗需求不符。</p>
<p>“我希望宠物保险能够覆盖常规兽医就诊，包括牙科、健康检查和疫苗接种，但还没有找到合适的保险，” Chai 说，她经营一家名为 Mini Pawtisserie 的宠物烘焙店，制作手工新鲜的动物零食。</p>
<p>Chai 为 Yuki 的医疗费用准备了应急基金，并通过投资博美犬的饮食和确保散步时的安全来专注于预防护理，以避免意外。</p>
<p>“她的品种容易患有髋关节发育不良和髌骨脱位，所以我每天给她补充关节健康的营养品，” Chai 说。</p>
<h2>保险与自筹资金</h2>
<p>宠物保险是否值得最终取决于宠物的品种、生活方式和发展医疗状况的可能性，Legacy FA 的金融服务经理 Pamela Chong 表示。</p>
<p>她说，拥有有限应急储蓄的宠物主人可能更倾向于选择保险，以管理意外的医疗费用。</p>
<p>同时，主人不应期望在宠物的一生中收回所支付的全部保费。</p>
<p>“宠物保险不是储蓄计划，不应像储蓄计划那样进行评判。对于大多数保单持有者来说，终生支付的保费可能会超过他们所索赔的金额，” 新加坡国立大学商学院金融系的高级讲师 Lee Yen Teik 博士说。</p>
<p>尽管如此，保险的价值在于它提供了对不可预见事件和潜在高额治疗的保护，他补充道。</p>
<p>在购买保单之前，主人应密切关注覆盖限制、排除条款和可能随宠物年龄增长而适用的条件，Chong 说。</p>
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友邦保险

友邦保险(ADR)

<p>新加坡的宠物保险需求持续上升，尽管疫情后增长有所放缓。虽然保险公司报告了两位数的增长，但由于收养率的减缓和成本的上升，疫情期间推动的激增已减弱。尽管更高的兽医费用推动了人们的兴趣，但由于政策限制，一些宠物主人仍未投保。与此同时，友邦保险在 2025 年停止了其宠物保险产品</p>

<p>[SINGAPORE] Pet insurance remains a growing segment of Singapore’s insurance market, but signs are emerging that the surge in take-up, fuelled by pandemic-era pet adoption, may be moderating.</p>
<div class="lb-trans"><p>【新加坡】宠物保险仍然是新加坡保险市场一个不断增长的细分领域，但有迹象表明，由疫情时期的宠物领养推动的投保激增可能正在减缓。</p>
</div><p>While insurers told <em>The Business Times</em> that demand for pet insurance has risen over the past five years, one observed that policy adoption growth has eased following an initial surge in the immediate aftermath of the Covid-19 pet adoption boom.</p>
<div class="lb-trans"><p>尽管保险公司告诉《商业时报》，过去五年宠物保险的需求有所上升，但有一位观察者指出，在 Covid-19 宠物领养热潮后的初期激增后，保单采纳的增长已放缓。</p>
</div><p>The slowdown comes despite how pet ownership is on the rise in Singapore, albeit at a more moderate pace post-Covid. The number of licensed dogs in Singapore climbed 30 per cent to around 91,000 as at 2025, from 2019, while the cat population rose to 94,000 in 2024, up by nearly 10 per cent from 2019, <em>The Straits Times</em> reported.</p>
<div class="lb-trans"><p>尽管新加坡的宠物拥有率在上升，但在疫情后增速较为温和。根据《海峡时报》报道，截至 2025 年，新加坡的持证犬数量从 2019 年的约 69,000 只增加了 30%，达到约 91,000 只，而猫的数量在 2024 年上升至 94,000 只，比 2019 年增加了近 10%。</p>
</div><p>The affordability of pet healthcare came under the spotlight after the Ministry of National Development said on May 6, in response to a parliamentary question, that authorities have no plans to allow MediSave funds to be used for veterinary fees or pet insurance premiums.</p>
<div class="lb-trans"><p>在国家发展部于 5 月 6 日回应议会提问时表示，政府没有计划允许使用 MediSave 基金支付兽医费用或宠物保险保费后，宠物医疗的可负担性引起了关注。</p>
</div><p>Unlike medical care for humans, pet healthcare in Singapore is not subsidised, leaving owners to shoulder veterinary bills themselves.</p>
<div class="lb-trans"><p>与人类医疗不同，新加坡的宠物医疗没有补贴，宠物主人需要自行承担兽医费用。</p>
</div><p>Moreover, veterinary expenses have escalated in recent years, as costs of manpower and medical supplies rise and owners increasingly treat pets as part of the family.</p>
<div class="lb-trans"><p>此外，近年来兽医费用不断上升，人工和医疗用品成本上升，宠物主人越来越将宠物视为家庭的一部分。</p>
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<div class="lb-trans"><h3>东盟情报</h3>
</div><p>Get insights into businesses across South-east Asia</p>
<div class="lb-trans"><p>获取东南亚各地企业的洞察</p>
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</div><p>While costlier vet visits have fuelled demand for pet insurance, some owners choose to stay uninsured and to independently manage their pets’ healthcare expenses due to policies’ limitations and exclusions.</p>
<div class="lb-trans"><p>尽管更高的兽医费用推动了宠物保险的需求，但一些宠物主人选择不投保，独立管理宠物的医疗费用，原因在于保单的限制和排除条款。</p>
</div><h2>Growth continues, though momentum may be easing</h2>
<div class="lb-trans"><h2>增长持续，但势头可能减弱</h2>
</div><p>All four insurers that BT spoke to reported rising take-up of pet insurance over the last five years, although they declined to provide specific policy numbers.</p>
<div class="lb-trans"><p>《商业时报》采访的四家保险公司均报告称，过去五年宠物保险的投保人数上升，尽管他们拒绝提供具体的保单数量。</p>
</div><p>Etiqa Insurance Singapore has recorded a roughly 20 per cent year-on-year growth in pet insurance purchases since launching its pet insurance offering in January 2024.</p>
<div class="lb-trans"><p>Etiqa 保险新加坡自 2024 年 1 月推出宠物保险以来，宠物保险购买量年均增长约 20%。</p>
</div><p>SEE ALSO</p>
<div class="lb-trans"><p>另见</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://cassette.sphdigital.com.sg/image/businesstimes/a72cba5614cb5ca1a36b34636c34a91264bae6b30b1cc4bdff93cd88c110f17b/query-ZHByPTEmZj13ZWJwJnc9MjQw" alt="" original-src="https://cassette.sphdigital.com.sg/image/businesstimes/a72cba5614cb5ca1a36b34636c34a91264bae6b30b1cc4bdff93cd88c110f17b?w=240&amp;dpr=1&amp;f=webp"/></p>
<h3>Home-based pet boarding in Singapore grows on low cost, high demand</h3>
<div class="lb-trans"><h3>新加坡的家庭宠物寄养因低成本和高需求而增长</h3>
</div><p><img src="https://imageproxy.pbkrs.com/https://cassette.sphdigital.com.sg/image/businesstimes/a53eed876272d4582a4be33451e7347d4c238716243f558c947fc8426975ae3a/query-ZHByPTEmZj13ZWJwJnc9MjQw" alt="" original-src="https://cassette.sphdigital.com.sg/image/businesstimes/a53eed876272d4582a4be33451e7347d4c238716243f558c947fc8426975ae3a?w=240&amp;dpr=1&amp;f=webp"/></p>
<h3>Purr-suasive growth: Rising pet numbers, doting owners fuel demand for fresh pet food</h3>
<div class="lb-trans"><h3>令人信服的增长：宠物数量上升，宠物主人热衷推动新鲜宠物食品的需求</h3>
</div><p><img src="https://imageproxy.pbkrs.com/https://cassette.sphdigital.com.sg/image/businesstimes/b7d8570842d8cada28996e01c4297f54998ce4856f02f0e81424c2ef100cd25e/query-ZHByPTEmZj13ZWJwJnc9MjQw" alt="" original-src="https://cassette.sphdigital.com.sg/image/businesstimes/b7d8570842d8cada28996e01c4297f54998ce4856f02f0e81424c2ef100cd25e?w=240&amp;dpr=1&amp;f=webp"/></p>
<h3>Pet owners are splurging, but competition is ruff for the industry</h3>
<div class="lb-trans"><h3>宠物主人在消费上大方，但行业竞争激烈</h3>
</div><p>MSIG’s PawEasy policy, launched in April 2025, also posted a double-digit increase in policy counts in the first quarter of 2026 from the previous quarter.</p>
<div class="lb-trans"><p>MSIG 的 PawEasy 保单于 2025 年 4 月推出，在 2026 年第一季度的保单数量较前一季度也实现了两位数的增长。</p>
</div><p>Meanwhile, Income Insurance reported demand for its Happy Tails policy growing more than 20 per cent year on year. The policy was launched in 2021 in response to rising pet ownership.</p>
<div class="lb-trans"><p>与此同时，Income 保险报告称，其 Happy Tails 保单的需求同比增长超过 20%。该保单于 2021 年推出，以应对宠物拥有率的上升。</p>
</div><p>However, demand appears to be moderating at CIMB.</p>
<div class="lb-trans"><p>然而，CIMB 的需求似乎正在减缓。</p>
</div><p>The bank’s My Paw Pal insurance plan, launched in 2019, saw policy counts rise by over 38 per cent between 2021 and 2023, fuelled by a wave of “pandemic pets” as Singaporeans turned to animal companionship during the Covid-19 outbreak.</p>
<div class="lb-trans"><p>该银行的 My Paw Pal 保险计划于 2019 年推出，在 2021 年至 2023 年间，保单数量增长超过 38%，这是由于新加坡人在 Covid-19 疫情期间转向动物陪伴而引发的 “疫情宠物” 潮。</p>
</div><p>But the growth has since eased over the last two years, as pet adoption rates tapered off post-pandemic, amid rising costs and return-to-office mandates. Some animal shelters reported that adoption numbers declined by up to 50 per cent.</p>
<div class="lb-trans"><p>但在过去两年中，随着宠物领养率在疫情后减缓，加上成本上升和返岗要求，一些动物收容所报告称领养数量下降了多达 50%。</p>
</div><p>Even so, Merlyn Tsai, head of consumer banking and digital at CIMB Singapore, believes the pet insurance market remains “promising” as awareness of such policies and appreciation of their coverage continue to grow.</p>
<div class="lb-trans"><p>尽管如此，CIMB 新加坡的消费者银行和数字部门负责人 Merlyn Tsai 认为，宠物保险市场仍然 “充满希望”，因为对这些保单的认知和对其保障的重视持续增长。</p>
</div><p>Separately, publicly available information shows that AIA discontinued its AIA Paw Safe pet insurance product in 2025. The insurer did not say why it stopped offering the policy, which was launched in 2006.</p>
<div class="lb-trans"><p>另外，公开信息显示，友邦保险在 2025 年停止了其 AIA Paw Safe 宠物保险产品。该保险公司没有说明为何停止提供这一于 2006 年推出的保单。</p>
</div><h2>Better safe than sorry</h2>
<div class="lb-trans"><h2>安全总比后悔好</h2>
</div><p>For Melissa Yip, the decision to purchase pet insurance for her five-year-old dog came down to one concern: intervertebral disc disease (IVDD), a painful degenerative spinal condition that disproportionately affects dachshund breeds.</p>
<div class="lb-trans"><p>对于 Melissa Yip 来说，为她五岁的狗购买宠物保险的决定源于一个担忧：椎间盘疾病（IVDD），这是一种痛苦的退行性脊柱疾病，尤其影响腊肠犬品种。</p>
</div><p>“It’s pretty scary (and) heartbreaking... because they (can) lose mobility in their limbs,” said the 31-year-old self-employed business owner, who also owns a cat and runs an Instagram page @heihei.oli.youtiao that features her pets.</p>
<div class="lb-trans"><p>“这真的很可怕（和）令人心碎……因为它们（可能）失去四肢的活动能力，” 这位 31 岁的自雇企业主说道，她还养了一只猫，并在 Instagram 上运营一个名为 @heihei.oli.youtiao 的页面，展示她的宠物。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://cassette.sphdigital.com.sg/image/businesstimes/b5ea259c051e29def92656a45f5aa8ee71f704e446d064288d4ed53e7e41eaa9" alt="" original-src="https://cassette.sphdigital.com.sg/image/businesstimes/b5ea259c051e29def92656a45f5aa8ee71f704e446d064288d4ed53e7e41eaa9"/></p>
<p>Melissa Yip, 31, bought pet insurance for her miniature dachshund, Youtiao (pictured), after learning that dachshund breeds are at risk of a spinal condition called intervertebral disc disease. PHOTO: INSTAGRAM PAGE OF @HEIHEI.OLI.YOUTIAO</p>
<div class="lb-trans"><p>Melissa Yip，31 岁，为她的迷你腊肠犬 Youtiao（如图所示）购买了宠物保险，因为她了解到腊肠犬品种面临椎间盘疾病的风险。照片来源：@HEIHEI.OLI.YOUTIAO 的 Instagram 页面</p>
</div><p>Yip bought pet insurance for her miniature dachshund, Youtiao, in 2023 when the dog was two-years-old after learning from fellow dachshund owners about how IVDD can lead to hefty treatment bills.</p>
<div class="lb-trans"><p>Yip 在 2023 年为她两岁的迷你腊肠犬 Youtiao 购买了宠物保险，得知其他腊肠犬主人如何因 IVDD 而面临高额治疗费用。</p>
</div><p>Hearing about the experiences of owners who regretted not purchasing insurance after their dachshunds developed IVDD convinced her that it was “better to be safe than sorry”.</p>
<div class="lb-trans"><p>听到那些后悔没有购买保险的主人在他们的腊肠犬得了 IVDD 后所经历的事情，让她相信 “安全总比后悔好”。</p>
</div><p>Yip eventually purchased Income’s Happy Tails policy on the recommendation of other dachshund owners.</p>
<div class="lb-trans"><p>Yip 最终在其他腊肠犬主人的推荐下购买了 Income 的 Happy Tails 保单。</p>
</div><p>She did not, however, purchase insurance for her five-year-old ragdoll, Oli, as she does not know of many ragdoll owners getting their felines insured.</p>
<div class="lb-trans"><p>然而，她并没有为她五岁的布偶猫 Oli 购买保险，因为她不知道有多少布偶猫主人为他们的猫投保。</p>
</div><p>Happy Tailsprovides coverage of up to S$22,000 for surgical expenses due to injuries, sickness, and select hereditary and congenital conditions, including IVDD.</p>
<div class="lb-trans"><p>Happy Tails 提供高达 22,000 新元的手术费用保障，涵盖因伤病和特定遗传及先天性疾病（包括 IVDD）造成的费用。</p>
</div><p>Income’s website indicates that without insurance, IVDD treatments cost around S$7,000 for a three-year-old dog, though the exact amount depends on severity.</p>
<div class="lb-trans"><p>Income 的网站显示，如果没有保险，IVDD 的治疗费用约为 7,000 新元，具体金额取决于病情的严重程度。</p>
</div><p>Other dachshund owners reported facing IVDD surgery fees as high as S$15,000 to S$18,000, said Yip, who spends over S$600 per year on her dog’s insurance fees, which have increased from around S$500 last year.</p>
<div class="lb-trans"><p>其他腊肠犬主人报告称，IVDD 手术费用高达 15,000 至 18,000 新元，Yip 表示，她每年在狗的保险费用上花费超过 600 新元，而这一费用从去年的约 500 新元增加。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://cassette.sphdigital.com.sg/image/businesstimes/4490299b9a34db882345c97a6309fbf0d5c069b8937f5da650ebca1c57cc320b" alt="" original-src="https://cassette.sphdigital.com.sg/image/businesstimes/4490299b9a34db882345c97a6309fbf0d5c069b8937f5da650ebca1c57cc320b"/></p>
<p>Yip did not purchase insurance for her five-year-old ragdoll, Oli (pictured), as she does not know of many ragdoll owners getting their felines insured. PHOTO: INSTAGRAM PAGE OF @HEIHEI.OLI.YOUTIAO</p>
<div class="lb-trans"><p>Yip 没有为她五岁的布偶猫 Oli（如图所示）购买保险，因为她不知道有多少布偶猫主人为他们的猫咪投保。照片来源：@HEIHEI.OLI.YOUTIAO 的 Instagram 页面</p>
</div><h2>Not every pawrent is convinced</h2>
<div class="lb-trans"><h2>并非每位宠物主人都信服</h2>
</div><p>Yet, some owners prefer to manage healthcare expenses independently rather than rely on insurance.</p>
<div class="lb-trans"><p>然而，一些主人更倾向于独立管理医疗费用，而不是依赖保险。</p>
</div><p>Designer Nicole Leong, 27, who adopted twin jack russell terrier puppies in 2024, does not consider pet insurance value for money as many policies have limited coverage.</p>
<div class="lb-trans"><p>27 岁的设计师 Nicole Leong 在 2024 年收养了一对双胞胎杰克拉塞尔犬小狗，她认为宠物保险性价比不高，因为许多保单的覆盖范围有限。</p>
</div><p>For instance, some plans exclude non-surgical treatments or place restrictions on claims that owners are most likely to make.</p>
<div class="lb-trans"><p>例如，一些计划排除非手术治疗，或对主人最有可能提出索赔的项目设置限制。</p>
</div><p>Leong sets aside an annual budget for her dogs’ healthcare and plans to lean on these savings for their future expenses.</p>
<div class="lb-trans"><p>Leong 为她的狗狗设定了年度医疗预算，并计划依靠这些储蓄来应对未来的费用。</p>
</div><p>Similarly, Angeline Chai, 26, owner of a five-year-old pomeranian spitz named Yuki, explored several insurance options before deciding that the available coverage did not align with her dog’s healthcare needs.</p>
<div class="lb-trans"><p>同样，26 岁的 Angeline Chai，五岁博美犬 Yuki 的主人，在探索了几种保险选项后，决定现有的覆盖范围与她狗狗的医疗需求不符。</p>
</div><p>“I would like pet insurance coverage for routine vet visits including dental, wellness checkups and vaccinations, but have yet to find one that fits,” said Chai, who runs a pet bakery called Mini Pawtisserie, which makes handmade, fresh treats for animals.</p>
<div class="lb-trans"><p>“我希望宠物保险能够覆盖常规兽医就诊，包括牙科、健康检查和疫苗接种，但还没有找到合适的保险，” Chai 说，她经营一家名为 Mini Pawtisserie 的宠物烘焙店，制作手工新鲜的动物零食。</p>
</div><p>Chai has emergency funds for Yuki’s healthcare expenses and focuses on preventive care by investing in the pomeranian spitz’s diet and ensuring safety on walks to avoid accidents.</p>
<div class="lb-trans"><p>Chai 为 Yuki 的医疗费用准备了应急基金，并通过投资博美犬的饮食和确保散步时的安全来专注于预防护理，以避免意外。</p>
</div><p>“Her breed is prone to hip dysplasia and luxating patella, so I give her daily supplements to support her joint health,” said Chai.</p>
<div class="lb-trans"><p>“她的品种容易患有髋关节发育不良和髌骨脱位，所以我每天给她补充关节健康的营养品，” Chai 说。</p>
</div><h2>Insurance versus self-funding</h2>
<div class="lb-trans"><h2>保险与自筹资金</h2>
</div><p>Whether pet insurance is worthwhile ultimately depends on a pet’s breed, lifestyle and likelihood of developing medical conditions, said Pamela Chong, a financial services manager at Legacy FA.</p>
<div class="lb-trans"><p>宠物保险是否值得最终取决于宠物的品种、生活方式和发展医疗状况的可能性，Legacy FA 的金融服务经理 Pamela Chong 表示。</p>
</div><p>Pet owners with limited emergency savings may also prefer insurance as a way to manage unexpected medical costs, she said.</p>
<div class="lb-trans"><p>她说，拥有有限应急储蓄的宠物主人可能更倾向于选择保险，以管理意外的医疗费用。</p>
</div><p>At the same time, owners should not expect to recover the full value of premiums paid over a pet’s lifetime.</p>
<div class="lb-trans"><p>同时，主人不应期望在宠物的一生中收回所支付的全部保费。</p>
</div><p>“Pet insurance is not a savings plan and should not be judged like one. For most policyholders, the premiums paid over a lifetime will likely exceed whatever they ever claim back,” said Dr Lee Yen Teik, a senior lecturer in the Department of Finance at the NUS Business School.</p>
<div class="lb-trans"><p>“宠物保险不是储蓄计划，不应像储蓄计划那样进行评判。对于大多数保单持有者来说，终生支付的保费可能会超过他们所索赔的金额，” 新加坡国立大学商学院金融系的高级讲师 Lee Yen Teik 博士说。</p>
</div><p>Nevertheless, the value of insurance lies in the protection it provides against unforeseen events and potentially exorbitanttreatments, he added.</p>
<div class="lb-trans"><p>尽管如此，保险的价值在于它提供了对不可预见事件和潜在高额治疗的保护，他补充道。</p>
</div><p>Before purchasing a policy, owners should pay close attention to coverage limits, exclusions and conditions that may apply as pets age, Chong said.</p>
<div class="lb-trans"><p>在购买保单之前，主人应密切关注覆盖限制、排除条款和可能随宠物年龄增长而适用的条件，Chong 说。</p>
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宠物保险的需求依然在增长，但其增长势头可能正在减弱