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Aon’s Happy Tales: Princess_cookie_monkey

“The Best Thing That Happened to Me”

As the world fell victim to the virus, the COVID-19 pandemic was for many people a fever dream. But if Sheryl was asked whether there was a silver lining, she would name Princess, Cookie, and Monkey in a heartbeat. 

Meeting each one at different phases of the COVID-19 pandemic, fate would have it no other way. 

Princess was adopted from a shelter at the start and became a companion to lean on for comfort and relief. A steady pillar of support that has helped Sheryl get through the toll on her mental health. 

Just as Princess has found her way into Sheryl’s life, so did Sheryl into Cookie’s and Monkey’s. Sheryl rescued Cookie when the latter was sadly kicked on the streets when people were trying to shoo her away and Monkey was to be put down if no one adopted her after some time. 

Their stories were something that significantly impacted Sheryl as a TNR cat rescuer. She could never ignore nor let it continue, and thus, the beginning of a family sticking together till the end of time. 

In Between the Past and the Future  

Being rescues, there are gaps in Princess’s, Cookie’s and Monkey’s backgrounds that Sheryl is not able to fill in. It makes concerns like dormant hereditary diseases much more worrying.

There is also the worry that the three will get into accidents.

According to Sheryl, being blind fuels Monkey’s fearlessness. Like any other young adult cat, Monkey is just as crazy and exhibits her fearlessness enthusiastically. There is a lot of jumping, leaping and chasing but sometimes, she misses and bangs her head. 

As with any other moms, the only thing Sheryl could do is to prepare her kitties for the future.

Princess, Cookie and Monkey had up-to-date vaccinations and annual health checks. Sheryl also makes sure they are leashed and harnessed or secured in the stroller while they are outside. With Cookie and Monkey being active furballs of energy, the balcony is also cat-proofed to prevent any accidents from happening. 

Better Safe Than Sorry

Despite her best attempts to understand and care for her three girls, Sheryl knows that there are some things beyond her abilities. 

For instance, the current DNA test available for cats has a lesser accuracy when examining the potential for health issues based on their guesstimated breed.

With the future being unpredictable, Sheryl doesn’t want to gamble fate. Naturally for her, the next step is to obtain insurance. 

Just as much as she prepares her girls for a variety of potential problems, Sheryl also wants to be fully prepared herself. 

So, when she learnt about AON Happy Tails at the Pet Expo event, Sheryl was undoubtedly relieved. 

It covers hereditary issues which were among her major concerns for her three girls who have unknown medical history. This excitedly makes it a good fit for Princess, Cookie and Monkey. 

The only thing holding Sheryl back is that it wouldn’t cover Monkey’s pre-existing condition. 

Sheryl believes that it is “Better [to be] safe than sorry” when it comes to managing her girls. 

Do note that while Aon is known for its comprehensive coverages, pre-existing conditions are not covered and such exclusion is typical with health insurance. Click here for more information.

*Bonus Content* 

If Your Girls Could Speak Hooman for 7 Days, What Would You Say to Them, or Do With Them?

Actually, we do animal communication!  😆 

All 3 are different because Princess whines as if she is being treated like a peasant. In the meantime, Cookie is overly concerned about me and Monkey just wants more food, treats and playtime. But yeah, they are all my babies.

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Aon’s Happy Tales: Alphaboy_pom

The moment you bring your brand new furkid home is so magical, it can’t be put into words. In those rare moments, as they become important members of your family, you promise to provide the best. 

That was the sentiment of Alphaboy’s pawrents 6 years ago. 6 years later, nothing has changed. They enjoy bringing Alphaboy out all the time, from new pet-friendly cafés to shopping under aircon-blasted areas — it’s the simple things in life. 

The family’s little furby

6 years ago, on the day Alphaboy joined his forever home, he was with his sibling — just the two of them. According to his pawrents, he was sitting quietly, showing no signs of excitement, when he caught the eye of his pawmom. It was love at first sight and the rest was history. 

As a crucial part of the family, Alphaboy’s favorite pastimes have become the family’s bonding activities. They would bring him out for daily walks, to school once a week, and explore new places like pet cafés and mingle with new fur friends every now and then. Besides exploring new places, this calm and gentle boy also enjoys sleeping in — just like most of us!

Can’t stay young and healthy forever

Alphaboy may be young to some, but at the age of 6, signs of aging began to show. Just last year, he started developing black patches on his back, his fur kept falling, and was seen to be more tired than usual. 

Worried, Alphaboy’s pawrents tried various remedies in hopes he’d get better. They changed his diet and shampoo, and also brought him to therapy sessions for 6 months. When Alphaboy failed to show signs of improvement, they knew they had to get professional help immediately. 

After numerous trips to different vets and after many tests, they found out that Alphaboy has hypothyroidism. Thankfully, he doesn’t have to be on medication, and it’s controllable.

Both pawmom and dad decided to cut down on his treats and gave him food based on Traditional Chinese Medicine (TCM) to give him strength and energy. After 6 months on the new routine,  test results showed that he was back to normal and back to his normal self.

However, with his history of slight Hypothyroidism, both pawrent had to remain cautious by monitoring him and returning for tests every 3 months.

“His health is just as important as ours”

Among the many pet insurance providers available in Singapore, pawrents of  Alphaboy decided to go with Aon’s Happy Tails, as they offer a wide coverage of illnesses, treatments, and even post-surgical follow-up during the policy term.

They decided to get him insured not because they’re expecting the worst to happen, but because he deserves it! 

“It’s a kind of assurance that at least we know some burden will be handled by insurance if something bad [does] happen. As age is catching up with Alpha, we just want him to be healthy so he can live as long as possible.”

Do note that while Aon is known for its comprehensive coverages, pre-existing conditions are not covered and such exclusion is typical with health insurance. Click here for more information.

*Bonus Content*

If Alphaboy could speak hooman for 7 days, what would you say to him, or do with him?

“I want to ask him what he likes to do and where to go so we can do it together and make him stay.”

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Aon’s Happy Tails: Lexi.the.spitz

Our pawpals only as much as a quarter of our hooman lifespans. In the short amount of time that they spend with us, we as pawrents would want them to live with minimal discomfort. That is the ethos that Alvina, pawmom of her Japanese Spitz Lexi, hopes to carry.

Alvina works in the IT industry and has made the switch to work from home more often to spend time with Lexi. “I felt our time with our dogs are too short,” she said. “Adjusting to a new job isn’t easy, but having a happy pill like Lexi makes it a whole lot better!”

Great with the neighbours

The four-year-old stepped into Alvina’s life looking worse for wear. Lexi was initially introduced as timid and fearful of everything; a quiet dog with prominent tear stains. “We weren’t sure what to expect at first,” said Alvina, “but the Lexi we now know is more curious and bold in exploring the world around her. She loves humans a lot, and though she is not very vocal, she will bark when her guard is up.”

Lexi is a model resident, greeting her neighbours every evening and taking notice of the hoomans she meets on her walks. On occasion, her neighbours would even pop by the house to greet and play with her. With pawpals, she plays with older dogs more, but not so much with high-energy doggos. 

Foodie but also a cutie

“Beyond belly rubs, butt taps, and more love from hoomans, Lexi also enjoys her walks!” Alvina explains. Lexi knows when a walk is happening (Alvina getting her stuff and wearing her mask is a good cue) and will wind up excitedly for it. “Her favourite words are “Let’s go!” and she goes crazy once I pick up the leash!” 

In their free time, Alvina also enjoys running through dog tricks with Lexi. The food-driven doggo loves all kinds of food, but Lexi has taken her love a step further — Alvina has realised that Lexi can identify the words “cheese” and “banana”. “Our cheese slices and bananas are always missing a small corner, but who can resist those eyes of hers?”

Hope for a pain-free life

“My biggest fear is her health problems that will come as she grows older,” says Alvina. Japanese Spitzs have a higher risk of developing Luxating Patella (LP), a condition in which their kneecaps dislocates from their normal position. In an effort to give Lexi a pain-free life, Alvina has begun incorporating supplements into her diet. 

The underlying concern that pawrents like Alvina face has always been the cost of surgeries. Without proper financial planning, medical care for one’s furbabies can end up at an unmanageable cost. “I heard about the high costs of surgery and vet expenditure, especially when pets developed more ailments with age,” she said. 

Alvina believes pet owners should never have to be put in a situation where they had to weigh the costs of medical treatment, which is why she placed pet insurance as an immediate priority when she first heard of its inception. “Pet insurance became an immediate priority when I realised they existed. If we need health insurance, why not our pets?” she said. “The few hundreds you spend on the insurance is only the cost of a vacation at a nearby country. The unconditional love that they give back is truly priceless!”

*Bonus Content*

Say Lexi could speak hooman for 7 days. What would you say to her for that week?

“I’d ask her what are the things she likes/dislikes, things she’d like more of, and what she loves about being in this family. I’d keep talking to her like you would with your best friend. I’ll ask why she barks incessantly at my dad every night, and why she pees on the bathroom rug in the kitchen. Although I’m not sure how talkative she would be, seeing how few sounds she makes compared to other dogs… maybe she’s more of a listener?”

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Aon’s Happy Tales: Kyloalmightypoo

This article was brought to you by Aon Happy Tails.

Our pawpals’ love is boundless; our love for them unwavering. We want our furry friends to be at their safest and happiest, and this rings especially true for Denise and Jon, a couple looking to do better to protect their little Maltipoo, Kylo. 

A fated encounter

Denise’s journey as a pawrent began with Sasha, a Mini Schnauzer and best friend throughout her youth. When Sasha passed on in March 2021, Denise and Jon were devastated. The months that followed saw the couple visiting pet shops from time to time, looking at the cute puppies to ease the yearning they felt for Sasha.

Denise and Jon made their rounds at the store one day, and the Maltipoo who would later be known as Kylo was out of his pen and roaming about. An instant connection, Kylo made a beeline for Denise and made himself comfortable on her lap. “I felt loved instantly,” Denise recounted.

From left to right: Jon and Kylo, Denise and Kara

Kylo, the ace of hearts

Of course, Kylo’s vibrant personality is not exclusive to his family. The boy steals the hearts of all he meets, making them swoon over his charm. Kylo loves his belly rubs and loves receiving attention from everyone around. On most days, the Maltipoo makes frequent demands to do zoomies in the garden and play fetch with his pawrents. When the tempo of the days takes a lull, he is just as content on the couch next to Jon. 

During the weekends, the couple will bring him cruising in the car, and playdates with his equally energetic sister, Kara.

A necessary safety net

“Our biggest fear as pawrents is definitely [Kylo and Kara] falling sick,” Denise considers the communication barrier with their furbabies, especially how they are unable to vocalise their concerns. “It’s heart-wrenching to see them in pain and discomfort.”.

Denise emphasises the importance of pet insurance for their pets. The promise of a life well-lived with their pawrents means giving them only the best — appropriate dieting, a healthy amount of exercise, and of course, a policy that guards against illnesses.

“In the early days with Sasha, pet insurance was unheard of. Unfortunately, by the time pet insurances were a thing, she could not be covered for her pre-existing conditions.” without a policy that could potentially offset the costs of treatment, Denise and Jon faced a major financial setback. “Who knew a CT scan for your pawpals would be in the thousands?” she lamented.

*Bonus*

If Kylo and Kara could speak hooman for 7 days. What would you say to them/ do with them for that week?

“We’d tell them we love them very much and we’d do anything to ensure they are at their happiest and healthiest. We’d tell them there isn’t a single member of our family who does not love them, and that they bring us so much joy into our lives.

I’d tell them they had a big sister Sasha, who taught us what unconditional love is and how we have become better humans through our experience with her. And with all of that, we’d give our all to ensure their forever with us is all worth it!”

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Aon’s Happy Tales: Kiyo.thepom

This article was brought to you by Aon Happy Tails.

It’s not every day you find a hooman that keeps cotton candy as a pet. They look so fragile, the strands drifting in the wind. You’d worry that as fragile as it seems, it’d fall apart. However, as Eugenia comes to learn, taking care of Kiyo the pomeranian would be its own reward.

Eugenia first met eyes with Kiyo in 2020, when she and her husband began a new chapter in their lives. The two were looking for a new place to stay and coincidentally, so did Kiyo. Eugenia had always wanted a pet — it was her lifelong dream to have a pawpal to call family. So as fate would have it, Eugenia and her husband met Kiyo and fell in love with her immediately. The three have been inseparable ever since.

An Energetic Ball of Fluff

The pomeranian embodies a sense of wonder that is impossible not to love. When she’s outdoors, Kiyo can run circles around her pawrents with her zoomies, sleep under a shelter, and eat grass. Once indoors, can be found looking wistfully out the window. Kiyo plays tag with them, enjoys receiving hugs, and likes getting cradled to see the great outdoors. 

All that energy burns a lot of calories and it shows in Kiyo’s appetite. She is highly motivated by food and very greedy, so Eugenia uses her favourite chews to motivate the borker and learn new party tricks. That being said, while the family of three do like to explore new ways to have fun, they also enjoy a relaxing sunset walk on days with good weather.

Kiyo shows her pawpal what speed looks like

The Common Worry

As a pawrent of a young pomeranian, Eugenia frets over Kiyo a lot. “My biggest fear is finding out Kiyo is sick,” she mentioned, “as it would be my negligence. Especially so if it is something that could have been prevented.” A common medical condition for dogs is Luxating Patella, where a dog’s kneecap shifts out of alignment. The condition plagues small dog breeds more, and while most dogs can be diagnosed with Grade 1 or 2 Luxating Patella without much pain, its degenerative nature means it will only get worse over time.

Kiyo was diagnosed with Grade 1-2 Luxating Patella. Eugenia has made it a point to slow its progression by taking preventive measures with Kiyo. For starters, she avoids letting Kiyo jump or stand on her hind legs, as those add unnecessary pressure on her joints. Going up or down the stairs is greatly minimised, so the family prepared ramps — even for getting into and out of bed — instead. 

“We’re going to buy baby mats to cushion her joints,” Eugenia said. She noted that these measures can be made more effective with rehabilitation working in tandem. “I feed Kiyo fresh and raw meals, which are nutritionally balanced. On top of that, she is also on hip and joint supplements.” In the near future, Eugenia plans to bring Kiyo to hydrotherapy to help strengthen her leg muscles too.

Role of a Pawrent

Eugenia insured Kiyo only after being diagnosed with Luxating Patella — pre-existing conditions are not covered. However, Eugenia believes it is better to be safe than sorry. “There can be a multitude of unknowns that we may not be able to control or foresee,” she said, “but being insured gives me peace of mind, knowing I am co-insured if I have to fork out expensive vet bills one day.”

Of the many benefits to getting pet insurance, Eugenia (an Aon Happy Tails policyholder) listed out her most important ones:

  1. Being able to bring Kiyo to any vet for the initial check-up.
  2. Offering lifetime coverage
  3. Low premium fees
  4. Coverage of up to SGD7500 and No-Claim Discount (NCD)

Pawrents insuring their furbabies can bring them peace of mind on their furbabies health and future medical expenses. “In an unfortunate event, we may have to fork out a hefty sum,” Eugenia cautioned. “Instead of emptying our wallets, getting loans, or worrying about finances, we can spend more time in the present with whatever is happening to our furkid.”

*Bonus Content*

Say Kiyo could speak hooman for 7 days. What would you say to her / do with her for that one week?

If Kiyo could speak hooman for a week, I would take leave from work, proclaim our (husband and I) love for her, find out about her favourite place to visit, favourite activity and foods, and repeat for that whole week!

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Aon Happy Tails Pet Insurance – Interview with Debby and Mocha

We always want the best for our pets.

The cost of pet ownership is high, and the cost of their medical bills even higher. When owning a pet, it is important for us to determine their physical health before engaging with surgeries. Our pets are unable to verbalise what they feel internally hence the multitudes of consultations, x-rays and blood tests before we are able to truly determine what ails them.

Last month, we heard from Jane and considered the benefits of pet insurance with her. This month, we decided to reach out to a paw-rent who has recently discovered Aon Happy Tails pet insurance and to garner a better understanding of what drew her to consider Happy Tails.

Hi there! Tell us more about Mocha, and your relationship with them!

We got Mocha at the end of 2018. My previous dog, Jack Russell had passed on six years before and my son had been bugging us to get a dog so we thought that it was finally time to get a new fur kid.  Mocha is very timid and shy, it took quite a while for her to actually get comfortable with us but once she did she started following me everywhere. During CB (Circuit Breaker 2020), we truly bonded with her and she became much more comfortable being playful with us. On trips to the dog park, she remains happy to explore the park and runs around even if she is not playing with other dogs.

How do you and Mocha spend time together this June holidays?

This June Holiday, there is not much we can do as we are still under phase 2A (ha) in Singapore. Yet, we still made time to go for walks in the parks. We also plan to bring her for a swim once we can meet up with more people.

How do you work to ensure the safety and well being of your furkid?

To ensure the safety and wellbeing of my furkid I always give her fresh good food, supplements, and bring her for regular walks so that she has enough exercise. She is not very active at home. Additionally, I always make sure to bring her to the vet if I notice anything amiss with her.

What concerns do you have when visiting the vet?

Just like humans visiting the doctors, our main concern when we visit the vet is the cost of the treatment.

Upon hearing this, we asked her about her knowledge of pet insurance. Aon Happy Tails in particular, helps to offset some of the costs incurred by medical procedures.

Have you heard of pet insurance prior to this conversation?

I have heard of pet insurance prior to this conversation! I heard about it from fellow fur parents who had signed up for pet insurance. I think it is important because it will help us cover the cost of any emergency treatment for our furkids.

How do the coverage plans offered by Aon Happy Tails alleviate your concerns (as mentioned above)?

I think the coverage is pretty good as I am very concerned about IVDD (Intervertebral Disc Disease) as a dachshund owner.

IVDD is a paralysis caused by back problems and short-legged dogs are quite prone to having it. Treatment may include rehabilitation or even surgery hence finding out that Aon Happy Tails covers surgery in their insurance plan made them quite appealing to me.

Will you be purchasing Aon Happy Tails in the foreseeable future?

Yes, I will!

Debby’s concerns regarding treatment costs and emergency medical procedures are extremely common amongst pet owners. Simplydollar states that medical costs are the most expensive aspect of owning a pet, with the average vet visit ranging from $50 to $400. 

When it comes to sudden health complications, costs can go even higher, or double, to accommodate the needs of the pet.

Aon Happy Tails’ comprehensive insurance scheme prioritises supporting pet owners through sudden surgical procedures that may arise from new complications in their pet’s health. These complications do not include pre-existing conditions which have already been assessed by the vet.

Regardless, as Debby has aptly mentioned, pets are always at a growing risk of developing new conditions such as the IVDD (Intervertebral Disc Disease) for dogs. To ensure the safety of our pets, and to reduce wallet pains from unexpected medical costs – Pet insurance is a great way to keep us and our loved furkids safe and protected!

You can find out more about Aon Happy Tails pet insurance via their Instagram or Website.

Follow Debby and Mocha on Instagram.

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What is Pet Insurance? Why Do I Need It?

In one of our previous articles, we learnt about Jane and Milky’s experience with entropion. Entropion is a condition in which eyelids begin to roll inwards to the eyeball. It commonly affects animals who have thick eyelids, such as Chow Chows. 

At the end of her anecdote, she wonders about Aon Happy Tails Insurance. 

We sat down with Jane once more to discuss the benefits of pet insurance, and how owning one might have eased the financial burden she experienced.


Photo Credit: Instagram @oolongmilkytea

Hi Jane. We understand that it’s been some time since Milky underwent his eye surgery. Can we ask how he’s doing now?

Jane: He is doing great now! However, the vet recommended undergoing 2-3 more surgeries as his eyelid will continue to drop as he grows older. 

For now, we pay close attention to his tear stains, and/or if he starts scratching his eye excessively. It pains our heart to see him go through multiple surgeries at a young age.

I felt truly distressed reading about Milky’s experience with entropion. In your articles, you mentioned having to pay out lots of money to cover Milky’s consultations and surgeries. What was the total estimated bill incurred?

Jane: All in all, we spent close to $6,000. As it was our first time overcoming the entropion issue, we went for multiple vet consultations. We also had to cover for corrective surgery as the first one was unsuccessful. It was a very stressful period as we had to manage our emotions of watching our boy go through a difficult time. We also struggled to decide whether to go for the best treatment or the best financial decision.

Luckily, I had my husband with me hence we were able to share the burden, and alternate between roles (i.e. when he gets too emotional, I will try to be the logical one and make a decision from gathered data, and asking questions).

I’m so sorry to hear that. I hope your family feels much better now. Overall, what would you conclude was your biggest takeaway from this experience?

Jane: At the end of the article, I mentioned coming across Happy Tails pet insurance. I think having said pet insurance might have helped us A LOT. Compared to Western countries, local pet owners are unlikely to purchase insurance as they feel it might be more expensive in the long run.

Yet, I disagree! We spent a lot of money to ensure Milky’s health. If we had been insured, we might have been able to alleviate some of the costs incurred especially through insurance claims!

Photo Credit: Instagram @oolongmilkytea

I see! Do you think owning pet insurance is important?

Jane: Owning pet insurance might be beneficial in the long run. I think a large stigma against pet insurance stems from the fact that there are no agents actively selling pet insurance. As a result, pet owners are afraid claims will be difficult, and/or there will be hidden clauses. 

I would advise pet owners to make sure they read the T&Cs carefully to ensure that they fully understand the policy and what type of expenses can be claimed and what cannot be claimed. Also, check the duration given between each claim!


Thanks Jane!

Pet Insurance helps to protect the well-being of your fur friends. Like regular insurance, pet insurance covers medical fees incurred by vet visits. 

In Singapore, options for pet insurance are rather limited. However, for pet owners who are largely concerned with the cost of medical bills- Happy Tails pet insurance offers a comprehensive medical plan. Their coverage extends beyond one-off accidents, going beyond to consider outgoing costs in medical care for injuries and illnesses.

Aon Happy Tails Pet Insurance promises to cover a wide range of fees and expenses such as:

  • Diagnostic tests such as x-rays and blood tests culminating in surgery
  • Surgery fees
  • Medications
  • Chemotherapy charges
  • Room and board charges
  • Post-surgery follow-up treatments
  • Surgical implants

This helps to alleviate some of the burden pet owners might experience with veterinary medical bills. Like Jane, many pet owners may undergo repeated consultations and surgeries to ensure the well-being of their pets. With pet insurance, such expenses can be covered and subsequently claimed. That way, you can keep your pets safe while reducing the pressure unexpected surgical procedures can have on your wallet. 

Photo Credit: Instagram @aonhappytails

You can find out more about Happy Tails pet insurance via their Instagram or Website.