Income Happy Tails Pet Insurance Review Singapore (2026)

If you’re looking for comprehensive pet insurance in Singapore, Income Happy Tails is one of the more robust options on the market. It’s priced higher than entry-level plans, with premiums starting from $596.38 for dogs and $389.52 for cats, but it also offers some of the strongest illness coverage available.

What sets Income apart? For one, chemotherapy is included as a standard benefit, not an add-on — with annual limits of up to $5,000 depending on your plan tier. It also provides generous clinical and surgical limits and covers certain hereditary and congenital conditions, something not all insurers offer.

That said, Income applies both a deductible and co-insurance to claims, which means you’ll share part of every bill.

So is Income Happy Tails worth the higher premium? Let’s break down its coverage, costs, fine print, and who it’s best suited for.

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1. How much does Income Happy Tails pet insurance cost?

• Premium: Starting from $596.38 (dogs) / $389.52 (cats)
• Eligible age: 16 weeks to below 9 years

Income Happy Tails is positioned as a mid-to-premium tier plan. Based on a 5-year-old mixed breed dog and 5-year-old domestic short-haired cat, annual premiums are:

The calculations above assume a 5-year-old mixed breed dog and 5-year-old domestic short-haired cat.

Compared to budget plans like CIMB or Shopee, Income is significantly more expensive. However, you’re paying for higher annual limits and more comprehensive illness protection.

Plus, Income offers a no claim discount of up to 15% if your pet is healthy and you don’t make any claims in the previous 3 consecutive years or more. This would lower your premiums from year 4 onwards.

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2. What does Income Happy Tails pet insurance cover?

Income structures its benefits across 3 tiers: Furry, Furbulous, and Furrific.

Hospitalisation and surgery

This is where Income shines. Income Happy Tails comes with high hospitalisation and clinical annual limits, particularly for the Furrific tier.

• Maximum annual coverage: $8,500 – $27,000
• Clinical and surgical benefit: $6,000 – $22,000 per year

Room and board, as well as pre- and post-surgical treatment, are also covered within set limits per incident.

For pet owners worried about major surgery bills, these are some of the highest limits in the market.

Chemotherapy

A standout feature: chemotherapy is included in all tiers, not treated as an add-on. These are the limits for each tier:

• $2,500 (Furry)
• $3,000 (Furbulous)
• $5,000 (Furrific)

Not all insurers include chemotherapy by default. In fact, Income Happy Tails pet insurance is the only pet insurance I found in Singapore to explicitly include chemotherapy coverage as a standard benefit, making this a very meaningful differentiator. MSIG PawEasy pet insurance does include a $3,000 – $6,000 chemotherapy lifetime cover, but as an add-on.

Accidental injury

While Income Happy Tails shines on the illness front, coverage for medical expenses due to accidental injury is only available under the highest tier:

• Furrific: Up to $2,500 per accident
• Lower tiers: Not available

This is slightly unusual, as some insurers include accident cover across all tiers. For example, insurers like CIMB My Paw Pal only cover accidental injury in their base plan across all tiers, and medical expenses due to illnesses must be added on.

Final expenses

Income offers relatively generous final expenses benefits, ranging from:

• $750 (Furry)
• $1,500 (Furbulous)
• $2,500 (Furrific)

Final expenses refer to the costs associated with your pet’s passing, such as euthanasia, cremation, funeral services, and related handling charges. These can add up quickly, especially if you opt for private cremation or memorial services.

While Income does not provide a separate lump-sum death benefit payout, its final expenses coverage is stronger than most competitors, helping to offset these end-of-life costs during what is already an emotionally difficult time.

Third party liability

Income also provides third party legal liability coverage, ranging from:

• $250,000 (Furry)
• $500,000 (Furbulous)
• $1,000,000 (Furrific)

This benefit protects you if your pet accidentally injures someone or damages their property, and you are held legally responsible.

For example, if your dog knocks over a cyclist or damages someone’s belongings, third party liability can help cover legal fees, medical expenses, or compensation claims. The $1,000,000 limit at the highest tier is among the stronger offerings in Singapore.

For dog owners especially, this coverage can provide meaningful financial protection beyond just medical bills.

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

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3. Income Happy Tails pet insurance—Hereditary and congenital conditions

Income covers specified hereditary and congenital conditions for pets enrolled before age 6, subject to a 12-month waiting period. Covered conditions include:

• Hip and elbow dysplasia
• Luxating patella
• Glaucoma
• Cherry eye
• Intervertebral disc disease (IVDD)
• Femoral head and neck excision

This inclusion adds long-term value, especially for breeds prone to joint or structural issues.

4. What will you actually pay when claiming from Income Happy Tails pet insurance?

Unlike pet insurers like CIMB, Income applies both a deductible and co-insurance.

Here’s how it works:

• You must pay a $250 deductible per claim (for medical-related sections)
• Then, you have to pay a percentage in co-insurance per incident:
  • 20% if enrolled before age 4
  • 30% if enrolled before age 7
  • 40% if enrolled before age 9

For example:

If your vet bill is $2,000 and your pet was enrolled at age 5:

• You first pay $250 (deductible)
• Remaining bill: $1,750
• You pay 30% of $1,750 = $525
• Income pays the remaining $1,225

That means your total out-of-pocket cost would be $775.

So while coverage limits are high, you’ll still always share part of the bill.

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5. Income Happy Tails pet insurance—What is not covered?

Like most pet insurance plans in Singapore, Income Happy Tails does not cover everything. While its illness and surgical limits are strong, there are important exclusions to be aware of.

Routine and pre-existing conditions are not covered, which is standard across insurers. This means you’ll still need to budget for everyday pet care and any health issues diagnosed before your policy starts.

Key exclusions include:

• Pre-existing conditions
• Routine care (vaccinations, grooming, dental cleaning, annual check-ups)
• Theft coverage (only CIMB and Liberty offer this separately, and only for dogs)
• Standalone death benefit (only CIMB and Liberty offer this separately)
• Accidental injury coverage under lower-tier plans

That said, while there is no separate death payout, Income’s final expenses benefit (up to $2,500) helps cover euthanasia and cremation costs. Among the six insurers reviewed, this is one of the more generous funeral-related payouts.

As always, it’s important to review the policy wording carefully, especially for waiting periods and condition-specific exclusions.

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6. Eligibility: Which pets can apply for Income Happy Tails pet insurance?

• Age: 16 weeks to below 9 years
• Must be microchipped
• Must complete required vaccinations
• Must undergo an enrolment clinical examination (before or within 30 days of policy start)
• Not a working or racing pet

Unlike some competitors, Income requires a clinical exam for enrolment, which adds a small administrative step but may strengthen underwriting clarity.

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7. Pros and cons of Income Happy Tails pet insurance

Before deciding if Income is right for you, here’s a quick summary of where it stands out—and where you’ll need to pay closer attention.

Pros

• High annual and surgical limits
• Chemotherapy included in all tiers
• Strong third party liability limits
• Covers specified hereditary conditions
• Generous final expenses benefit

Cons

• Higher premiums
• Co-insurance of up to 40%
• $250 deductible per claim
• Accident coverage limited to highest tier
• No theft or standalone death benefit

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8. Who should buy Income Happy Tails pet insurance?

Income Happy Tails is best suited for pet owners who prioritise strong illness and surgical coverage over having the lowest premium.

It may be a good fit if you:

• Want high annual medical limits
• Are concerned about cancer treatment or hereditary conditions
• Prefer built-in chemotherapy coverage without add-ons
• Are comfortable sharing part of each claim through co-insurance

This plan is particularly suitable for owners of breeds prone to joint or congenital conditions, given the specified hereditary coverage. However, if your main goal is accident-only protection at minimal cost, there are more affordable alternatives.

In short, Income works best for those seeking robust medical protection and long-term peace of mind, even if it means paying more upfront and at claim time.

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9. Final verdict: Is Income Happy Tails pet insurance good value?

Income Happy Tails positions itself as a comprehensive, illness-focused pet insurance plan. Its high surgical limits, included chemotherapy coverage, and hereditary condition benefits make it one of the stronger medical offerings in Singapore.

However, the combination of higher premiums, a $250 deductible, and co-insurance of up to 40% means you’ll still bear a meaningful portion of large vet bills.

If you prioritise robust medical coverage and long-term protection, Income is a strong contender. If budget is your primary concern, you may prefer simpler, lower-cost alternatives.

For more information, view Income Happy Tails Pets Insurance 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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