Happy Tails Plans

Protect your pet with Happy Tails™ and give your dog or cat the best medical care while protecting your bank account from unexpected and expensive veterinary bills.

Dog & Puppy Insurance 

Happy Tails™ offers three (3) plan options so you can choose the best pet insurance coverage for your dog or puppy that fits your budget. Our Fur plan starts from as low as $1 per day. 

       
Total Annual Coverage Fur
$3,500		 Furry
$7,500		 Furball
$12,500

1. Clinical and Surgical Benefit

Pays for Medically Necessary Surgery which includes diagnostic test, Veterinarian’s fee, operating theatre fee, drugs, dressings and miscellaneous expenses related to a Surgery		 $2,500 $6,000 $10,000
Room and Board Expenses
Cost of boarding at a licensed veterinarian clinic or hospital following a Surgery		 $250 $600 $1000
Post Surgical Treatment Benefit
Follow-up consultations, diagnostic and laboratory services, examinations including acupuncture up to 90 days following Surgery.

The total aggregate limit of all benefits combined shall not exceed the Clinical and Surgical Benefit limit.		 $150 $300 $500

2. Chemotherapy Benefit

Cost of chemotherapy treatment incurred in a licensed veterinary clinic or hospital		 $1,000 $1,500 $2,500

3. Final Expenses Benefit

Cost and expenses incurred for euthanasia, cremation, funeral service and handling charges following death of the Pet		 Not Covered $250 $250

4. Third Party Legal Liability

Legal liability caused by your Pet		 $100,000 $250,000 $500,000
Co-insurance & Deductible
Co-insurance
Your share of the claim amount before the Deductible.		 20% - Dogs enrolled before age 4
30% - Dogs enrolled before age 7
40% - Dogs enrolled before age 9
Deductible
The fixed amount You bear in a claim in addition to Your share of the Co-insurance.		 $250
 

Cat & Kitten Insurance

Happy Tails™ Purrfect Plan provides comprehensive cover for your cat or kitten from $1 per day for worry-free protection.

   
Total Annual Coverage Purrfect
$5,000

1. Clinical and Surgical Benefit 

Pays for Medically Necessary Surgery which includes diagnostic test, Veterinarian’s fee, operating theatre fee, drugs, dressings and miscellaneous expenses related to a Surgery		 $3,800
Room and Board Expenses
Cost of boarding at a licensed veterinarian clinic or hospital following a Surgery		 $380 
Post Surgical Treatment Benefit
Follow-up consultations, diagnostic and laboratory services, examinations including acupuncture up to 90 days following Surgery.

The total aggregate limit of all benefits combined shall not exceed the Clinical and Surgical Benefit limit.		 $200

2. Chemotherapy Benefit

Cost of chemotherapy treatment incurred in a licensed veterinary clinic or hospital		 $1,200

3. Final Expenses Benefit

Cost and expenses incurred for euthanasia, cremation, funeral service and handling charges following death		 $250

4. Third Party Legal Libility

Legal liability caused by your Pet		 $250,000
Coinsurance & Deductible
Coinsurance
Your share of the claim amount before the Deductible.		 20% - Cats enrolled before age 4
30% - Cats enrolled before age 7
40% - Cats enrolled before age 9
Deductible
The fixed amount You bear in a claim in addition to Your share of the Coinsurance.		 $250


No Claim Discount (NCD) 

A discount will be granted on the renewal premium if no claim has been made under the policy in the preceding year. 

Period of Insurance Inception year 1st Renewal 2nd Renewal 3rd Renewal 4th & Subsequent Renewals
Discount Elegibility 0% 5% 10% 15% 15%


In the event of a claim made, the NCD will be reduced to zero at the following renewal. If there are more than 1 pet insured, the NCD shall be applied on each pet separately.

 

DISCLAIMER:
 
You should only apply for Happy Tails if you decide that it is suitable for your risks and needs. Please seek quotes from an alternative market source should the product not be suitable to your risks and needs. This insurance is underwritten by Income Insurance Limited. The information contained herein is subject to the terms, conditions and exclusions of the policy wording, a copy of which can be obtained here.