CIMB My Paw Pal Pet Insurance Review Singapore (2026)

If you’ve started comparing pet insurance in Singapore, chances are CIMB My Paw Pal pet insurance has appeared on your radar—mainly because of its eye-catching flat premium of $103.55 per year for both cats and dogs. At first glance, it looks like one of the most affordable ways to get your pet insured.

But what exactly do you get at that price? Is it enough coverage for peace of mind—or better suited for specific types of pet owners?

CIMB takes a slightly different approach from many other insurers, offering a streamlined base plan with optional add-ons to expand coverage. It also has its own eligibility rules and benefit structure that set it apart from other pet insurance plans in Singapore.

In this review, we’ll break down CIMB My Paw Pal’s premiums, coverage limits, add-ons, and fine print—so you can decide whether it’s the right fit for your furry companion.

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1. How much does CIMB My Paw Pal pet insurance cost?

• Premium: Starting from $103.55 (dogs and cats)
• Eligible age: 12 weeks to 7 years

CIMB’s biggest selling point is its flat pricing. You pay the same premium regardless of breed, which keeps things simple.

However, the base price only covers accident-related events. If you want illness protection, you’ll need to add:

• Medical expenses due to illness + illness-related cremation: +$376.05
• Loss of dog due to theft: +$38.15

If you opt for both add-ons, your annual premium rises to $517.75. At that level, you’re paying closer to what mid-tier plans from other insurers cost—sometimes with higher limits.

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2. What does CIMB My Paw Pal pet insurance cover?

The Basic Plan focuses on accidents.

Here’s what’s included:

• Accidental death: Up to $1,500
• Medical expenses due to accident: Up to $1,500 per year
• Cremation or burial due to accident: Up to $300
• Third party liability: Up to $250,000

That’s the full scope of the base plan. There’s no illness cover unless you add it.

Optional add-ons

If you purchase the illness rider, you’ll get:

• Medical expenses due to illness: Up to $1,500 per year (shared limit)
• Cremation or burial due to illness: Up to $300 per year

You can also add:

• Loss of dog due to theft: Up to $1,500 (Note: Not available for cats.)

While these options expand protection, the annual medical cap of $1,500 remains relatively low. I mean, think about it—a single surgery could exceed that amount.

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3. What will you actually pay when claiming?

One advantage of CIMB My Paw Pal is its simplicity: there are no co-insurance percentages and no deductibles stated in the plan structure.

That means if you submit a valid claim, CIMB will reimburse you up to the policy limits without requiring you to pay a percentage of the bill first (as co-insurance) or a fixed amount per claim (as a deductible).

For example, if your pet has an accident and the vet bill comes up to $1,200, CIMB can reimburse the full $1,200—since it falls within the $1,500 annual accident medical limit.

However, once you exceed that $1,500 annual cap, any remaining amount comes entirely out of your pocket. So if your total accident-related bills for the year hit $2,000, CIMB will pay up to $1,500, and you’ll pay the remaining $500 yourself.

In short, you have no cost-sharing per claim, but relatively low annual limits.

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ALSO READ: How Does Pet Insurance Work in Singapore? 10 Frequently Asked Questions

4. CIMB My Paw Pal pet insurance–what is not covered?

Like most pet insurance plans, CIMB does not cover:

• Pre-existing conditions
• Routine care (vaccinations, dental cleaning, grooming)
• Illness (unless add-on is purchased)
• Theft for cats
• Pets older than 7 years at enrolment

It’s also the only insurer in our comparison that caps maximum entry age at 7 years, while most others allow enrolment up to 9 years.

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5. Eligibility: Which pets can apply for CIMB My Paw Pal pet insurance?

CIMB My Paw Pal is open to both cats and dogs, but there are some eligibility requirements to take note of.

• Age: Your pet must be between 12 weeks and 7 years old at the start date of the policy. This is stricter than most other insurers, which typically allow enrolment up to 9 years old.
• Microchip: Your pet must be microchipped.
• Residency: Your pet must be residing in Singapore.
• Dog licensing: If you’re insuring a dog, it must be licensed with the Animal & Veterinary Service (AVS).
• Working pets: The policy does not cover working pets, such as those used for racing, breeding, guarding, law enforcement, or other commercial purposes.

The good news is that no medical examination is required at sign-up, which makes the application process straightforward. As long as your pet meets the eligibility criteria and is in good health, you can get covered without additional vet paperwork.

Because of the 7-year entry cap, this plan is best considered while your pet is still relatively young.

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6. Pros and cons of CIMB My Paw Pal pet insurance

Before deciding whether this plan fits your needs, it helps to step back and weigh its strengths against its limitations. CIMB My Paw Pal is built around simplicity and affordability—but that structure naturally comes with trade-offs.

Here’s how it stacks up.

Pros

• Low starting premium compared to other major insurers
• Flat pricing regardless of breed
• No co-insurance or deductible structure
• Third party liability included in the Basic Plan
• Simple, easy-to-understand coverage

Cons

• Low annual medical limit ($1,500)
• Illness coverage requires a costly add-on
• No theft cover for cats
• Maximum entry age capped at 7 years
• Limited overall medical scope compared to competitors

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7. Who should buy CIMB My Paw Pal?

CIMB My Paw Pal makes the most sense for pet owners who want basic accident protection without paying for comprehensive medical cover.

It may suit you if:

• You’re primarily concerned about unexpected accidents rather than long-term illness
• You prefer a low, predictable annual premium
• You have a younger pet under 7 years old
• You’re comfortable covering major medical costs out of pocket if they exceed $1,500 per year

On the other hand, if your priority is higher surgical limits, illness protection without add-ons, or broader lifetime coverage, you may want to compare mid-tier plans from other insurers.

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8. Final verdict: Is CIMB My Paw Pal good value?

CIMB My Paw Pal delivers exactly what it promises: a low-cost entry into pet insurance. As an accident-focused plan with built-in liability coverage, it can offer useful protection at a very affordable base price.

However, once you add illness coverage, the price gap narrows—while benefit limits remain modest. It’s best viewed as a budget option for basic coverage rather than a comprehensive medical safety net.

For more information, view CIMB My Paw Pal insurance benefits and policy wording.

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This article was first drafted with the help of AI and later reviewed and refined by the author.

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