<p>【新加坡】寵物保險仍然是新加坡保險市場一個不斷增長的細分領域，但有跡象表明，由疫情時期的寵物領養推動的投保激增可能正在減緩。</p>
<p>儘管保險公司告訴《商業時報》，過去五年寵物保險的需求有所上升，但有一位觀察者指出，在 Covid-19 寵物領養熱潮後的初期激增後，保單採納的增長已放緩。</p>
<p>儘管新加坡的寵物擁有率在上升，但在疫情後增速較為温和。根據《海峽時報》報道，截至 2025 年，新加坡的持證犬數量從 2019 年的約 69,000 只增加了 30%，達到約 91,000 只，而貓的數量在 2024 年上升至 94,000 只，比 2019 年增加了近 10%。</p>
<p>在國家發展部於 5 月 6 日回應議會提問時表示，政府沒有計劃允許使用 MediSave 基金支付獸醫費用或寵物保險保費後，寵物醫療的可負擔性引起了關注。</p>
<p>與人類醫療不同，新加坡的寵物醫療沒有補貼，寵物主人需要自行承擔獸醫費用。</p>
<p>此外，近年來獸醫費用不斷上升，人工和醫療用品成本上升，寵物主人越來越將寵物視為家庭的一部分。</p>
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<p>儘管更高的獸醫費用推動了寵物保險的需求，但一些寵物主人選擇不投保，獨立管理寵物的醫療費用，原因在於保單的限制和排除條款。</p>
<h2>增長持續，但勢頭可能減弱</h2>
<p>《商業時報》採訪的四家保險公司均報告稱，過去五年寵物保險的投保人數上升，儘管他們拒絕提供具體的保單數量。</p>
<p>Etiqa 保險新加坡自 2024 年 1 月推出寵物保險以來，寵物保險購買量年均增長約 20%。</p>
<p>另見</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>新加坡的家庭寵物寄養因低成本和高需求而增長</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>令人信服的增長：寵物數量上升，寵物主人熱衷推動新鮮寵物食品的需求</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>寵物主人在消費上大方，但行業競爭激烈</h3>
<p>MSIG 的 PawEasy 保單于 2025 年 4 月推出，在 2026 年第一季度的保單數量較前一季度也實現了兩位數的增長。</p>
<p>與此同時，Income 保險報告稱，其 Happy Tails 保單的需求同比增長超過 20%。該保單于 2021 年推出，以應對寵物擁有率的上升。</p>
<p>然而，CIMB 的需求似乎正在減緩。</p>
<p>該銀行的 My Paw Pal 保險計劃於 2019 年推出，在 2021 年至 2023 年間，保單數量增長超過 38%，這是由於新加坡人在 Covid-19 疫情期間轉向動物陪伴而引發的 “疫情寵物” 潮。</p>
<p>但在過去兩年中，隨着寵物領養率在疫情後減緩，加上成本上升和返崗要求，一些動物收容所報告稱領養數量下降了多達 50%。</p>
<p>儘管如此，CIMB 新加坡的消費者銀行和數字部門負責人 Merlyn Tsai 認為，寵物保險市場仍然 “充滿希望”，因為對這些保單的認知和對其保障的重視持續增長。</p>
<p>另外，公開信息顯示，友邦保險在 2025 年停止了其 AIA Paw Safe 寵物保險產品。該保險公司沒有説明為何停止提供這一於 2006 年推出的保單。</p>
<h2>安全總比後悔好</h2>
<p>對於 Melissa Yip 來説，為她五歲的狗購買寵物保險的決定源於一個擔憂：椎間盤疾病（IVDD），這是一種痛苦的退行性脊柱疾病，尤其影響臘腸犬品種。</p>
<p>“這真的很可怕（和）令人心碎……因為它們（可能）失去四肢的活動能力，” 這位 31 歲的自僱企業主説道，她還養了一隻貓，並在 Instagram 上運營一個名為 @heihei.oli.youtiao 的頁面，展示她的寵物。</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 歲，為她的迷你臘腸犬 Youtiao（如圖所示）購買了寵物保險，因為她瞭解到臘腸犬品種面臨椎間盤疾病的風險。照片來源：@HEIHEI.OLI.YOUTIAO 的 Instagram 頁面</p>
<p>Yip 在 2023 年為她兩歲的迷你臘腸犬 Youtiao 購買了寵物保險，得知其他臘腸犬主人如何因 IVDD 而面臨高額治療費用。</p>
<p>聽到那些後悔沒有購買保險的主人在他們的臘腸犬得了 IVDD 後所經歷的事情，讓她相信 “安全總比後悔好”。</p>
<p>Yip 最終在其他臘腸犬主人的推薦下購買了 Income 的 Happy Tails 保單。</p>
<p>然而，她並沒有為她五歲的布偶貓 Oli 購買保險，因為她不知道有多少布偶貓主人為他們的貓投保。</p>
<p>Happy Tails 提供高達 22,000 新元的手術費用保障，涵蓋因傷病和特定遺傳及先天性疾病（包括 IVDD）造成的費用。</p>
<p>Income 的網站顯示，如果沒有保險，IVDD 的治療費用約為 7,000 新元，具體金額取決於病情的嚴重程度。</p>
<p>其他臘腸犬主人報告稱，IVDD 手術費用高達 15,000 至 18,000 新元，Yip 表示，她每年在狗的保險費用上花費超過 600 新元，而這一費用從去年的約 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 沒有為她五歲的布偶貓 Oli（如圖所示）購買保險，因為她不知道有多少布偶貓主人為他們的貓咪投保。照片來源：@HEIHEI.OLI.YOUTIAO 的 Instagram 頁面</p>
<h2>並非每位寵物主人都信服</h2>
<p>然而，一些主人更傾向於獨立管理醫療費用，而不是依賴保險。</p>
<p>27 歲的設計師 Nicole Leong 在 2024 年收養了一對雙胞胎傑克拉塞爾犬小狗，她認為寵物保險性價比不高，因為許多保單的覆蓋範圍有限。</p>
<p>例如，一些計劃排除非手術治療，或對主人最有可能提出索賠的項目設置限制。</p>
<p>Leong 為她的狗狗設定了年度醫療預算，並計劃依靠這些儲蓄來應對未來的費用。</p>
<p>同樣，26 歲的 Angeline Chai，五歲博美犬 Yuki 的主人，在探索了幾種保險選項後，決定現有的覆蓋範圍與她狗狗的醫療需求不符。</p>
<p>“我希望寵物保險能夠覆蓋常規獸醫就診，包括牙科、健康檢查和疫苗接種，但還沒有找到合適的保險，” Chai 説，她經營一家名為 Mini Pawtisserie 的寵物烘焙店，製作手工新鮮的動物零食。</p>
<p>Chai 為 Yuki 的醫療費用準備了應急基金，並通過投資博美犬的飲食和確保散步時的安全來專注於預防護理，以避免意外。</p>
<p>“她的品種容易患有髖關節發育不良和髕骨脱位，所以我每天給她補充關節健康的營養品，” Chai 説。</p>
<h2>保險與自籌資金</h2>
<p>寵物保險是否值得最終取決於寵物的品種、生活方式和發展醫療狀況的可能性，Legacy FA 的金融服務經理 Pamela Chong 表示。</p>
<p>她説，擁有有限應急儲蓄的寵物主人可能更傾向於選擇保險，以管理意外的醫療費用。</p>
<p>同時，主人不應期望在寵物的一生中收回所支付的全部保費。</p>
<p>“寵物保險不是儲蓄計劃，不應像儲蓄計劃那樣進行評判。對於大多數保單持有者來説，終生支付的保費可能會超過他們所索賠的金額，” 新加坡國立大學商學院金融系的高級講師 Lee Yen Teik 博士説。</p>
<p>儘管如此，保險的價值在於它提供了對不可預見事件和潛在高額治療的保護，他補充道。</p>
<p>在購買保單之前，主人應密切關注覆蓋限制、排除條款和可能隨寵物年齡增長而適用的條件，Chong 説。</p>
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友邦保險

友邦保險(ADR)

<p>新加坡的寵物保險需求持續上升，儘管疫情後增長有所放緩。雖然保險公司報告了兩位數的增長，但由於收養率的減緩和成本的上升，疫情期間推動的激增已減弱。儘管更高的獸醫費用推動了人們的興趣，但由於政策限制，一些寵物主人仍未投保。與此同時，友邦保險在 2025 年停止了其寵物保險產品</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】寵物保險仍然是新加坡保險市場一個不斷增長的細分領域，但有跡象表明，由疫情時期的寵物領養推動的投保激增可能正在減緩。</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>儘管保險公司告訴《商業時報》，過去五年寵物保險的需求有所上升，但有一位觀察者指出，在 Covid-19 寵物領養熱潮後的初期激增後，保單採納的增長已放緩。</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>儘管新加坡的寵物擁有率在上升，但在疫情後增速較為温和。根據《海峽時報》報道，截至 2025 年，新加坡的持證犬數量從 2019 年的約 69,000 只增加了 30%，達到約 91,000 只，而貓的數量在 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>在國家發展部於 5 月 6 日回應議會提問時表示，政府沒有計劃允許使用 MediSave 基金支付獸醫費用或寵物保險保費後，寵物醫療的可負擔性引起了關注。</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>與人類醫療不同，新加坡的寵物醫療沒有補貼，寵物主人需要自行承擔獸醫費用。</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，近年來獸醫費用不斷上升，人工和醫療用品成本上升，寵物主人越來越將寵物視為家庭的一部分。</p>
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<div class="lb-trans"><h3>東盟情報</h3>
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<div class="lb-trans"><p>獲取東南亞各地企業的洞察</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>儘管更高的獸醫費用推動了寵物保險的需求，但一些寵物主人選擇不投保，獨立管理寵物的醫療費用，原因在於保單的限制和排除條款。</p>
</div><h2>Growth continues, though momentum may be easing</h2>
<div class="lb-trans"><h2>增長持續，但勢頭可能減弱</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>《商業時報》採訪的四家保險公司均報告稱，過去五年寵物保險的投保人數上升，儘管他們拒絕提供具體的保單數量。</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 保險新加坡自 2024 年 1 月推出寵物保險以來，寵物保險購買量年均增長約 20%。</p>
</div><p>SEE ALSO</p>
<div class="lb-trans"><p>另見</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>新加坡的家庭寵物寄養因低成本和高需求而增長</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>令人信服的增長：寵物數量上升，寵物主人熱衷推動新鮮寵物食品的需求</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>寵物主人在消費上大方，但行業競爭激烈</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 保單于 2025 年 4 月推出，在 2026 年第一季度的保單數量較前一季度也實現了兩位數的增長。</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>與此同時，Income 保險報告稱，其 Happy Tails 保單的需求同比增長超過 20%。該保單于 2021 年推出，以應對寵物擁有率的上升。</p>
</div><p>However, demand appears to be moderating at CIMB.</p>
<div class="lb-trans"><p>然而，CIMB 的需求似乎正在減緩。</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>該銀行的 My Paw Pal 保險計劃於 2019 年推出，在 2021 年至 2023 年間，保單數量增長超過 38%，這是由於新加坡人在 Covid-19 疫情期間轉向動物陪伴而引發的 “疫情寵物” 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>但在過去兩年中，隨着寵物領養率在疫情後減緩，加上成本上升和返崗要求，一些動物收容所報告稱領養數量下降了多達 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>儘管如此，CIMB 新加坡的消費者銀行和數字部門負責人 Merlyn Tsai 認為，寵物保險市場仍然 “充滿希望”，因為對這些保單的認知和對其保障的重視持續增長。</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，公開信息顯示，友邦保險在 2025 年停止了其 AIA Paw Safe 寵物保險產品。該保險公司沒有説明為何停止提供這一於 2006 年推出的保單。</p>
</div><h2>Better safe than sorry</h2>
<div class="lb-trans"><h2>安全總比後悔好</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>對於 Melissa Yip 來説，為她五歲的狗購買寵物保險的決定源於一個擔憂：椎間盤疾病（IVDD），這是一種痛苦的退行性脊柱疾病，尤其影響臘腸犬品種。</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>“這真的很可怕（和）令人心碎……因為它們（可能）失去四肢的活動能力，” 這位 31 歲的自僱企業主説道，她還養了一隻貓，並在 Instagram 上運營一個名為 @heihei.oli.youtiao 的頁面，展示她的寵物。</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 歲，為她的迷你臘腸犬 Youtiao（如圖所示）購買了寵物保險，因為她瞭解到臘腸犬品種面臨椎間盤疾病的風險。照片來源：@HEIHEI.OLI.YOUTIAO 的 Instagram 頁面</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 年為她兩歲的迷你臘腸犬 Youtiao 購買了寵物保險，得知其他臘腸犬主人如何因 IVDD 而面臨高額治療費用。</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>聽到那些後悔沒有購買保險的主人在他們的臘腸犬得了 IVDD 後所經歷的事情，讓她相信 “安全總比後悔好”。</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 最終在其他臘腸犬主人的推薦下購買了 Income 的 Happy Tails 保單。</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，她並沒有為她五歲的布偶貓 Oli 購買保險，因為她不知道有多少布偶貓主人為他們的貓投保。</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 提供高達 22,000 新元的手術費用保障，涵蓋因傷病和特定遺傳及先天性疾病（包括 IVDD）造成的費用。</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 的網站顯示，如果沒有保險，IVDD 的治療費用約為 7,000 新元，具體金額取決於病情的嚴重程度。</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>其他臘腸犬主人報告稱，IVDD 手術費用高達 15,000 至 18,000 新元，Yip 表示，她每年在狗的保險費用上花費超過 600 新元，而這一費用從去年的約 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 沒有為她五歲的布偶貓 Oli（如圖所示）購買保險，因為她不知道有多少布偶貓主人為他們的貓咪投保。照片來源：@HEIHEI.OLI.YOUTIAO 的 Instagram 頁面</p>
</div><h2>Not every pawrent is convinced</h2>
<div class="lb-trans"><h2>並非每位寵物主人都信服</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，一些主人更傾向於獨立管理醫療費用，而不是依賴保險。</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 歲的設計師 Nicole Leong 在 2024 年收養了一對雙胞胎傑克拉塞爾犬小狗，她認為寵物保險性價比不高，因為許多保單的覆蓋範圍有限。</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，一些計劃排除非手術治療，或對主人最有可能提出索賠的項目設置限制。</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 為她的狗狗設定了年度醫療預算，並計劃依靠這些儲蓄來應對未來的費用。</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>同樣，26 歲的 Angeline Chai，五歲博美犬 Yuki 的主人，在探索了幾種保險選項後，決定現有的覆蓋範圍與她狗狗的醫療需求不符。</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>“我希望寵物保險能夠覆蓋常規獸醫就診，包括牙科、健康檢查和疫苗接種，但還沒有找到合適的保險，” Chai 説，她經營一家名為 Mini Pawtisserie 的寵物烘焙店，製作手工新鮮的動物零食。</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 為 Yuki 的醫療費用準備了應急基金，並通過投資博美犬的飲食和確保散步時的安全來專注於預防護理，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>“她的品種容易患有髖關節發育不良和髕骨脱位，所以我每天給她補充關節健康的營養品，” Chai 説。</p>
</div><h2>Insurance versus self-funding</h2>
<div class="lb-trans"><h2>保險與自籌資金</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>寵物保險是否值得最終取決於寵物的品種、生活方式和發展醫療狀況的可能性，Legacy FA 的金融服務經理 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>她説，擁有有限應急儲蓄的寵物主人可能更傾向於選擇保險，以管理意外的醫療費用。</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>同時，主人不應期望在寵物的一生中收回所支付的全部保費。</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>“寵物保險不是儲蓄計劃，不應像儲蓄計劃那樣進行評判。對於大多數保單持有者來説，終生支付的保費可能會超過他們所索賠的金額，” 新加坡國立大學商學院金融系的高級講師 Lee Yen Teik 博士説。</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>儘管如此，保險的價值在於它提供了對不可預見事件和潛在高額治療的保護，他補充道。</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>在購買保單之前，主人應密切關注覆蓋限制、排除條款和可能隨寵物年齡增長而適用的條件，Chong 説。</p>
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寵物保險的需求依然在增長，但其增長勢頭可能正在減弱