Tag: pet insurance

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Aon’s Happy Tales: Littlenutcass

One’s life is the sum of all their choices. It is rarely what your circumstances are that matter, but rather how you rise above them that do. Will you let your conditions define you? Cassiopeia, a two-year-old corgi decides to blaze her own trail. With her pawmom Keen, the duo overcome hip dysplasia with peace of mind and explore Singapore’s many nature trails.

When Keen first met Cassiopeia in 2020, she mistook the doggo for a purebred Pembroke Welsh Corgi. Although Cassie did look like a corgi, and act like a corgi, so there was little room for doubt anyway. Imagine the shock, when it was revealed in a DNA test that Cassie was actually part Russell Terrier! “Nevertheless, I wouldn’t trade her for the world!”

Instant energy at the flip of a switch

Cassie’s spontaneity shines in how ready she is to match a mood. The pooch is content with just taking full-day naps or playing fetch at home. But when the pawfamily brings her out, she is raring for an adventure. Keen takes Cassie out every weekend for all sorts of activities, and lets Cassie run alongside her when she’s on her kickscooter. Cassie is also a natural water doggo, and enjoys swimming with her pawrents while out on their woodland adventures.

Funnily enough, Cassie startles easily and lends herself to peer pressure. “She loves humans but is very selective when it comes to other doggos. She has a fear of missing out (FOMO),” Keen said.  “Even though she may be cheeky, and uses her smarts for mischief… Though she gets weird about sudden noises, and thus hates our air fryer.”

The thing about small dog breeds

“My biggest fear is, one day, something will suddenly happen that will take Cassie away from me.”

Keen was sorely aware of the health risks that would lay dormant in small dog breeds like corgis. The Pembroke Welsh Corgi is prone to Intervertebral Disc Disease (IVDD) and Hip Dysplasia, the latter being exceptionally common among poorly-bred corgis. “We took her for an X-ray when she was 11 months old and sure enough, her hip socket is shallower than it should be.

Canine Hip Dysplasia is a condition that results in a loose fit of the hip joints, causing hip pain and limb dysfunction. There is no cure for it, but dogs can take measures to delay its symptoms, such as maintaining a healthy diet and a regular exercise routine.

The only thing they can do, Keen says,  is to make sure that Cass is fed right and take as many preventative measures as possible, all so that she lives her best life every day.”

“It was never a question to get it too.”

Keen wasted no time in finding Cassie an insurance plan. “It’s never a question for us humans to get insured. Considering vet fees are also very expensive, it only makes sense to get insurance for Cassie as well.” They are now insured with Aon Happy Tails, which provides coverage for congenital conditions like Hip Dysplasia and IVDD (with no pre-existing conditions). This way Keen is able to have peace of mind knowing that she will be able to tide through any rainy day expenses, such as surgery.

“I think a lot of people don’t realise that getting a pet costs much more than just the initial price tag,” Keen says. Other than its coverage, pet owners also need to consider the affordability in proportion to the coverage offered. “Personally, I’d rather pay the premiums once a year, than be suddenly hit with a ginormous vet fee with nothing to offset the cost.”

Check out Cassiopeia’s shenanigans on her Instagram, @littlenutcass.

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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

Processed with VSCO with hb2 preset

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.

  • t
Left: Kylo excited to go out; Right: Kylo’s playdate with 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: @classy.cleopura

Singapore Specials are a breed of their own — pointed ears or floppy ears; shorthair or fluffy, big or small, black, white, brindle or brown… these dogs look a little bit like every dog. Shef, proud pawrent of Singapore Special Cleo, (@classy.cleopura on IG), proves that these lovely strays are worth every bit of effort put into training them, and making them pawfect urban companions.

Cleo is in Shef’s words, “the chillest and goodest dog ever (no bias!).” Cleo is extremely treat-and-food motivated and often ‘smiles’ for treats, a trait that Shef makes full use of to take more photos of her doggo.

Cleo shares her pawrent’s social energy and loves hosting friends, both pawpal and pawrent. “It lets us both be lazy and sociable at the same time. Cleo really is my spirit animal!”

Story of Cleo and Shef

Cleo and Shef

Before being a part of Shef’s family, Cleo spent her early years living as a stray in a cemetery. She was  rescued by Action for Singapore Dogs (ASD) when she was around six years old. Due to her age and size — being middle-aged and not of the HDB-approved size — Cleo spent another 13 months in the shelter, without being adopted.

“When I was going through the adoption process, my adoption counsellor at ASD told me that Cleo is one of the easiest dogs they’ve  had at the shelter.” I was given lots of handholding through the initial homestay, and even after I finalized her adoption, they were still very willing to provide guidance and support.” Thankfully, Shef and Cleo are a match made in heaven.

“She was initially a little cautious when she came to me (understandably so), but now she’s happy just hanging around the house with me; napping, interrupting my work calls for the occasional head rub and reminding me when I’m five minutes late to feed her.”

“She loves her long slow walks but is extremely scared of cyclists and has thunder anxiety, so storms are traumatic for both of us,” says Shef.

In their free time, Cleo would explore the neighbourhood HDBs and greet the community cats.

Cleo enjoying a walk around Robertson Quay

Getting an older dog

Being at the right place, at the right time

Having grown up with a German Shepherd, Shef always knew she’d eventually welcome a furry friend into her life… “I moved overseas for work in 2015 and moved back to Singapore in 2020, straight into the pandemic.” Shef recounted. “I used to travel a lot Pre-Covid so getting a dog was a consideration that was put on hold. Once lockdown began and I settled in Singapore, it felt like an opportune moment to adopt a dog.”

Lifestyle changes

While Shef enjoyed travelling and scuba diving, she is laidback. So when the time came for her to decide on the kind of pawpal she wanted in her life, her mind had already formed a clear image. 

“I was clear I didn’t want a puppy as my first pet — I’m not emotionally ready for a 12-15 year commitment at this stage of my life, nor do I really want to deal with teething, toilet training, etc.  I was keen on dogs in the 4-7 year range, preferably of the low-energy variety; given my not-so-active lifestyle,” reveals Shef, regarding her thought process and criteria, while adopting Cleo.

Many new pawrents underestimate the difficulty in raising young cats or dogs and tend to struggle with managing their diet, health, and training. Experienced pet owners advise all new/to-be owners to do as much reading as possible on what works best for them, their pawpals, so that they can adapt and integrate the new furry companion into their lifestyle as seamlessly as possible

Adopt, don’t shop

As a first-time dog owner, Shef was not confident in her ability to identify an ethical breeder. “I wasn’t keen on buying a dog from a pet shop, and I was more inclined to adopt from a shelter since my grandma used to volunteer at a children’s orphanage and I’ve heard so many fulfilling tales of adoption from her,” says Shef. 

A pedigree pup in Singapore can cost around SGD$10,000 depending on breed and breeder. “If I had to spend that much money, I’d rather spend it on spoiling my dog silly,” exclaims Shef.

Concerns over genetics

“I do worry about Cleo’s long term health,” says Shef.  “Given her history, I have no idea about any genetic predispositions or any other health issues I should be mindful of.” As Singapore Specials are the product of generations of strays cross-breeding, they are less susceptible to diseases. However, the ambiguity over their ancestry leaves room for worry over congenital and hereditary conditions.

Insure to ensure

Cleo was taken for a full check-up and blood test upon adoption.  “Given Cleo’s age and the lack of medical history, I wanted to get insurance for her, in case it was ever needed (and I really hope I never need to claim against it). 

Most of Singapore’s pet insurance caters to puppies rather than middle-aged dogs. Additionally, some have specific age limitations,  rendering their coverage ineffective once your pawpal passes a certain age. This might pose a problem for Cleo, whose age is estimated based on veterinary assessments.

“Happy Tails was frankly one of two options Cleo was eligible for, and this is the only one that covers her for her entire lifetime. The coverage offered is also reasonable and comprehensive, for the amount I needed to pay.” [Shef.]

Aon Happy Tails offers an affordable premium as low as $24 a month for coverage that includes surgical treatment arising from injuries, sicknesses, specified genetic conditions and much more.

Shef strongly believes pet owners should insure their pets. “ I hope you never need to claim against it, but in my experience, it is Murphy’s law. The one and only time I didn’t take travel insurance was the one time I really needed it!”

*Bonus Content*

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

“I had an AC (animal communicator) speak with Cleo recently to try to understand her better. If she could speak hooman though, I would pretty much tell her what I already do every day – how much I love her and what a good girl she is, and how glad I am that she waited to be adopted by me!”

“I don’t think much would change for us from our current lifestyle — we would still hang out, maybe explore some new neighbourhoods in Singapore. Maybe I would take her back to the cemetery she grew up in to explore (if she really wanted to). I would love to know more about her past life from her. I have some old photos and anecdotal stories from her feeders and rescuers which are priceless, but it would be amazing to hear her version of her life too.” 

“I’d love to also talk to her more about her health, any aches and pains she might have, and explain to her why she needs to diet (her and me both!).”

To learn more about Shef and Cleo’s adoption story, visit her post here on Instagram!

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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’s Happy Tales : Mafan.Mushu

This article was brought to you by AON HappyTails.

He has long, dark hair. She keeps her brown hair short and trimmed. He is a cup of espresso — mellow and unassuming. She likens a latte — sweet and flavourful. These two individuals can’t be further apart. But as James and Jacqueline point out, Mushu and Mafan are not just related — they’re siblings of the same litter.

Having grown up with cats, it was no surprise that James would suggest adding a few to the family. Jaqueline however, was not originally a cat person. It took some convincing from her husband, but thankfully she has not regretted warming up to the idea. Mafan and Mushu have been a part of the family for 4 years now and have made invaluable memories.

James and Jacqueline celebrating Christmas with their furkids

The duality of nyan

Mafan (tl. Mandarin, ‘troublesome’) is ever the curious cat, living up to her namesake. Where trouble is afoot, she is always nearby. The shorthair tails her pawrents around the house to make sure she always knows what’s going on. Her brother, Mushu, is the honour student of the two. Smart and well-behaved, the charcoal-coloured feline prefers to tread on the side of caution. He is also quite the rat, always complaining to his pawrents about his sister whenever she misbehaves.

Mafan up to some mischief

The pair owe their intuitive disposition to Jacqueline, who believes that if nothing else, “people must at least think our cats are smart.” Mafan and Mushu can leap onto their pawrents’ shoulders, and Mushu in particular has learnt to identify letters of the alphabet! Alas, despite the variety of tricks on their belt, they generally live very pampered lives with naps, boxes, and treats.

Growing concerns

James expressed concern over their pawpals’ health and sought a form of reassurance that they could care for the felines in an unlikely scenario. On one occasion, the couple had moved to a temporary residence to wait out on home renovations. Fearing Mafan and Mushu might feel uneasy and escape from the unfamiliar environment, they bought trackers so they could always find their cats.

The thought of insuring their pets was complete happenstance. Shocked by the daunting expenses a friend had incurred while caring for a paralysed senior dog, the two decided to insure Mafan and Mushu while they were still young so that they can afford the best care for them. 

“We picked Happy Tails because it was the only one we found which provides lifetime coverage.” James said, “Other insurance plans only seem to cover cats until 13 years of age, and we clearly hope that Mafan and Mushu will live well beyond that!”James and Jacqueline also noted another reason for insuring Mafan and Mushu under Happy Tails —  Happy Tails provides coverage for chemotherapy (the paralysed senior dog they had met also has cancer), as well as post-surgery expenses, which snowballs to ridiculous bill shock.

*Bonus Content*

Say Mafan and Mushu should speak hooman for 7 days. What would you say to them / do with them for that week?

“Right now they meow at us and it’s really cute. We usually can tell what they want to convey – whether they want to be fed, have water topped up, or if Mushu wants to snitch on his sister to get treats.

Mafan and Mushu love each other regardless.

“But I think if we understood what each other meant we would be arguing all the time. They might just be going “FOOD FOOD FOOD” and we would just be going “NO NO NO”. So it’s better that they stay meowing and we just continue talking nonsense at each other.”

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How does Pet Insurance help with medical costs?

© Momo Studio Singapore | www.momostudio.sg | +65 92220684

Hi there! I’m Denise.

My Bulldog, Boo, has been always been an angel on fours. It’s just like any other relationship where there are ups and downs but it’s just me compromising with her all the time (haha!).

 Nevertheless, she is really one of a kind. You can say she’s my soulmate.

Boo’s Intervertebral Disc Disease (IVDD) Changed our Lives

Boo has always been the priority in my life so her diagnosis did not deter me from loving her. However, I guess with IVDD, it requires much more effort to care for her now. 

She is unable to walk, pee or poop on her own, so she requires somebody to empty her bladder every couple of hours. I can’t spend late nights out with my friends as I have to be back home to check on her and give her nightly massages. For almost 2 years, I also gave up my bed and slept on the floor with her.

Honestly, it was so tough during the first few months, I was financially and mentally drained. But it gets better with time as we start to understand her schedules and needs, and of course with help from my family members. Emotional support was very crucial. Dog cafes and dog runs are places I avoid, instead, we go to pet-friendly places. Basically, every action I take has to cater to her.

Photo Credit: Instagram @boo._thefrenchie

Discovering Aon Happy Tails Pet Insurance

As a breed, French Bulldogs face a long list of medical problems and sadly to say it was because of humans. The best-looking dogs were bred to meet the market demands which resulted in common medical conditions such as IVDD.

I found out after researching pet insurance that Aon Happy Tails was the only one that covers surgical and its breed issues. After some research, I found out that Aon Happy Tails was the only one that covers surgical costs as well as hereditary and congenital conditions. At that point in time, it was extremely crucial for me as the surgical intervention of IVDD is expensive.

I signed up to be covered by them at Pet Expo (don’t we all miss them). They offered promos for the first year and a couple of free gifts. It was very easy. Basically, all you need to do is sign up, consult a vet to sign and approve a document stating your pet’s medical condition and send it back. We were insured just like that. It was fuss-free. 

Claiming Process

Well, Aon Happy Tails covers breeds medical issues like IVDD. Boo is afflicted with a serious case of IVDD hence surgical intervention is needed. I remember I paid close to 14k on Boo’s surgery and her stay (excludes X-ray and all the miscellaneous tests). Through Happy Tails, I was able to redeem around 5-6k (Don’t quote me on the value! I claimed 2 years ago).

At that point in time, I was so relieved about owning the insurance. The best part was I did not even get the most expensive plan they provided. 

Claiming via Aon Happy Tails was so easy as well. Surprisingly, their helpdesk was incredibly responsive and helpful. Just submit all necessary documents and they will get back to you on the claims.

** We recommend interested pet owners to engage in their own self-research for Aon Happy Tails. Do note that the claim amount quoted by Denise is not an accurate representation of the reimbursement rate.

Advice to Pet Owners

Avoid thinking of insurance as taboo! 

It is always good to keep informed on your pets’ medical needs at any stage of their lives. Always do your research on the coverage you require out of insurance, e.g X-rays, surgery, MRI. 

Of course, I am not advising you to purchase pet insurance that you can’t afford. Just don’t ever give up on your pet due to expensive medical bills. There are always solutions to your problem.

Remember, all your pet has is you.

You are their whole lives.

Aon Happy Tails pet insurance covers a wide range of illnesses and medical conditions such as:

  • Luxating Patella
  • Hip and Elbow Dyplasia
  • Cherry Eye
  • Glaucoma
  • Intervertebral Disc Disease (IVDD)
  • Femoral Head and Neck Excision

** DISCLAIMER: There is a ninety (90) days waiting period for sicknesses and a twelve (12) month waiting period for Specified Hereditary and Congenital sicknesses from the policy’s first commencement during which sicknesses claims are not payable.

During the twelve (12) month waiting period, if conditions or symptoms of IVDD begin to emerge, it will be considered a pre-existing condition and will no longer be covered by Aon Happy Tails.

For more information, you can also check out their dedicated online portal which helps pet parents obtain a library of pet-related information, as well as ensure their sign up process is smooth and easy to access. You can also access their pricing plans via their website. Simply enter your details and get a quote!

With Aon Happy Tails, rest assured your pet is in safe hands.

Follow Denise and Boo on Instagram.

For more information about Aon Happy Tails pet insurance, check out their Instagram or Website.

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Brand Highlights Community Stories

Let’s Protect our Loved Ones with Pet Insurance!

The month of August marks a special event for Singaporeans.

On the 9th of August, Singaporeans gather around to celebrate their National Day. Due to heightened pandemic alerts, celebrations were held online. As such, many Singaporeans took this opportunity to spend some time with their loved ones in the comfort and safety of their homes. 

Since adopting Dexter, the 9th of August marks more than 1 special occasion for Shermaine. Here’s what she had to say:

What does Singapore mean to you and how will you be celebrating National Day this year?

Growing up in Singapore, this country symbolises comfort and security for me. 

Especially during these trying times, I am glad that our pandemic situation has not spiralled out of control. I feel assured that we are reasonably protected in Singapore!

I also enjoy the peace and security we have in Singapore that I think we should definitely not take for granted! 

This year, the performances have been postponed, but I believe my family and I would still be up to watch the parade! Definitely can’t miss out on the flypast, am I right? ?

Afterwards, it would just be a really chill day. I intend to catch up on some family time and celebrate my little monkey’s* birthday! I ordered a birthday cake for him so I am pretty excited about that. It will be a small celebration though since we are unable to invite his doggy friends. 

*Little Monkey is the nickname Shermaine has for her pomeranian dog, Dexter.

Oh wow, what a surprise! What does it mean to celebrate both Dexter and Singapore’s birthday on the same day?

I was relatively surprised too when I found out that he is a National Day baby. It is great because I can be sure I would always have time to celebrate his birthday since it is a Public Holiday. Plus, enjoy some fireworks! (though not this year) 

Dexter is my second dog after the sudden passing of my first dog named Junior. Hence, I understand wholeheartedly the importance of cherishing every moment I have with him. He is an integral part of my family so I always feel the need to protect him. Especially since he is dependent on me for his living.

He is my baby and I will do anything to keep him safe and happy!

That is so sweet! I can sense that you share a deep bond with Dexter. What are some steps you take to protect your furkid?

I bring him out for regular checkups which are super important. I also believe in the importance of vaccinating your pets. Since Dexter is relatively small, I have to be sure not to over-vaccinate him. Just the essential shots to reduce his susceptibility to illnesses. Prevention is better than cure!

My expenditure for vet visits is constantly increasing. Based on my past experience with Junior, medical costs are always a concern. From the pet owners I have talked to, most of them recommended pet insurance. I think it works similarly to human’s insurance, right?

If we purchase insurance for our family members, and Dexter is family, then certainly I should be getting him some too!

Speaking of pet insurance, have you heard about Aon Happy Tails?

Yes, I have!

I heard that toy and small breeds like Pomeranians are very prone to joint issues such as luxating patella. Dexter is one of them. For an active dog like him who is constantly jumping and running around, I worry about him constantly. However, I am aware that luxating patella is only covered by Aon Happy Tails pet insurance if it is not a pre-existing condition.

That being said, for dog owners who are extremely concerned about their dog’s safety- I would recommend looking into Aon Happy Tails pet insurance. Even though Dexter’s luxating patella would not be covered, I would still consider purchasing it, in case he develops further issues in the future.

Plus, I’ve always heard good recommendations and reviews regarding Aon Happy Tails. Just remember to cut down on the BBT* so that your little one is well protected! #WorthIt

* BBT refers to bubble tea, one of Shermaine’s favourite drinks.

Aon Happy Tails pet insurance covers a wide range of illnesses and medical conditions such as:

  • Luxating Patella
  • Hip and Elbow Dyplasia
  • Cherry Eye
  • Glaucoma
  • Intervertebral Disc Disease (IVDD)
  • Femoral Head and Neck Excision

** DISCLAIMER: There is a ninety (90) days waiting period for sicknesses and a twelve (12) month waiting period for Specified Hereditary and Congenital sicknesses from the policy’s first commencement during which sicknesses claims are not payable.

During the twelve (12) month waiting period, if conditions or symptoms of luxating patella begin to emerge, it will be considered a pre-existing condition and will no longer be covered by Aon Happy Tails. For Shermaine’s case, since luxating patella is already an existing condition for Dexter, it would not be covered under her purchase of Aon Happy Tails pet insurance!

For more information, you can also check out their dedicated online portal which helps pet parents obtain a library of pet-related information, as well as ensure their sign up process is smooth and easy to access. You can also access their pricing plans via their website. Simply enter your details and get a quote!

With Aon Happy Tails, rest assured your pet is in safe hands.

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

Follow Shermaine and Dexter on Instagram.

** All information found within this article is subject to the terms and conditions of Aon Happy Tails.

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Community Stories

Pet Health Insurance Explained

As a pet parent, you are responsible for keeping your furry friend safe and healthy. However, you cannot always protect them from unexpected accidents or illnesses. In this case, you must ensure that they can get the treatment they need, and to do that, you must be able to afford it. This is where pet insurance can help you with that.

What is Pet Insurance?

Pet insurance provides coverage for veterinary care. It can be partial or full, and there are two types:

  • Accident Only: Covers a portion of the cost of treatment in case of an accident.
  • Accidents & Illness: Covers fully or partially any type of illness unrelated to any accidents.

Important: There are policies that exclude coverage of specific health issues, such as pre-existing conditions or behavioral problems. Pet insurance does not usually cover:

  • Regular check-ups
  • Vaccinations
  • Annual bloodwork
  • Dental services
  • Flea medications

Remember, every policy is different.

How Pet Insurance Works

Dog or cat insurance is essential to treating your pet in case of an accident or an illness. By investing in a plan, you are ensured that any treatment for your pet becomes more affordable. The pet insurance company helps you cover some or all of the costs for them. You can do this in 3 simple steps:

  1. Pay the veterinary bill
  2. Notify your insurance agency
  3. Get some or all your money back

Each insurance plan has a different cost that you pay every month. The factors that affect the cost are:

  • The type of pet you have
  • Breed
  • Age
  • Where you live
  • Your plan’s deductible & reimbursement level
  • Your plan’s annual payout limit 

To better understand how pet insurance works, you need to familiarise yourself with a few terms. These are:

  • Deductible: It is the amount you pay for veterinary services before the insurance company starts reimbursing you. There are different kinds such as annual, per condition/incident, or per visit. Unless you exceed the deductible, you won’t be reimbursed.
  • Reimbursement: Occurs when the pet insurance company pays you back. Depending on the plan you have, you get reimbursed for the full cost or a smaller percentage.
  • Payout Limit: If your plan includes a payout limit where the insurance company only pays up to a certain amount, then you must pay for any expenses that exceed said limit. This gets reset at the start of each policy year.
  • Filing a Claim: After you pay for a veterinary bill, file a claim in order to get reimbursed. Once it’s approved, the pet insurance company will pay you back.

Is Pet Insurance Worth it?

You may be skeptical about investing your money in insurance. However, pet insurance is indeed worth it, and here’s why:

  1. Treatment of any of your pet’s injuries is affordable as pet insurance helps cover the costs.
  2. It is a small investment that requires small payments that saves you money in the end.
  3. It is more reliable than having a savings account, as you pay the company to ensure coverage.

Most importantly, pet insurance is truly your furry friend’s lifesaver. Eliminate your worries about paying for expensive treatments. Ensure that your pet stays healthy and overcomes any obstacle that comes their way!

This article is contributed by Cooper Pet Care. Cooper Pet Care provides instant access to vet support via chat and video calls as well as honest pet insurance with fair and transparent terms.

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Community Stories

My dog might inherit Hip Dysplasia, what can I do to offset medical costs?

Hip Dysplasia is a skeletal condition that commonly affects large and giant breed dog breeds. It might also occur in smaller breeds occasionally.

Hip Dysplasia affects your pet’s hip joint function. For dogs with hip dysplasia, their ball and socket joints are misaligned, making them rub and grind instead of moving smoothly.

Over time, it can also cause the joints to deteriorate, resulting in the loss of the joint’s function.

This condition is hereditary, however, it can also develop due to excessive growth rates, exercise habits, unhealthy weight and/or improper nutrition — (Source)

For pet owners whose dogs suffer from hip dysplasia, keeping up with their medical expenses can be tricky. Diagnosis of the condition alone incurs costs such as X-ray examinations, blood tests and radiographs.

We spoke to Sandra, owner of Dizzy and Woozy, of which the latter suffers from the aforementioned medical condition.

1. Hello, nice to meet you! Tell us more about your relationship with Dizzy and Woozy.

Dizzy and Woozy are our 2 golden retrievers. We could never imagine owning Golden Retrievers as they shed a lot!

However, in 2019, we had the chance to look after Dizzy due to our job as pet sitters. He came to us fortnightly for a couple of months.

Afterwards, my fiancee and I decided that we are ready for our own furkid, hence we began looking around for a doodle. As luck would have had it, we were given the opportunity to be Dizzy’s pawrents! 

We’ve been looking after him since he was 5 months old and we finally adopted him when he was 10 months old.

Dizzy grew up in an environment with other boarders and daycare furkids. When Covid happened, it got quiet around the house as fewer boarders came to us.

We wanted him to have a sibling to play and grow up with. During the 2020 circuit breaker, we were given a chance to provide Dizzy with a little brother. Hence, we adopted Woozy who was 10 months old at the time.

Dizzy will be turning 3 years old in Aug 2021, while Woozy will be turning 2 years old in 2021. 

We enjoy a very close relationship with both of them.

As we are pet sitters, we are home nearly 24/7, always doing things together especially during the circuit breaker ◡̈ They follow us around the house no matter what we are doing! They particularly love going on adventures and car rides!◡̈

2. How does having Hip Dysplasia affect your everyday life with them?

We suspected that Woozy might have hip dysplasia from the way he walked (his hips tend to sway). He doesn’t seem to have the strength to climb stairs, jump up onto the sofa/bed, and car either.

We have to carry him up to the car, help him up onto the bed and sometimes even wait for him while he climbs up the stairs.

3. How did you find out about your pet’s medical condition?

After a long 8km walk, we noticed that he began to walk a little funny. His hips were swaying a lot, which was very different from Dizzy’s.

Other golden retriever owners also informed us of this irregularity – many of them commented that his hind legs appeared to cross over each other as he walked, which were not common for most dogs.

Out of concern, we spoke to a vet about it. She suspected that he might have hips dysplasia but could only confirm via X-Ray under general anaesthesia, which we did not want.

So, we did not seek any treatment for it as it didn’t seem to be causing him any pain/discomfort.

4. Did you take on any activities/treatments for Woozy as a result of this condition?

The vet suggested swimming lessons and to reduce Woozy’s walking actions. We bring him for swimming 2-4 times a month, each session costing us around $24.

We also feed him rosehip powder daily, around $70-$140/month depending on the promotions available.

Because of swimming sessions, we also have to send him for grooming after swimming, which costs us around $80-$100/session. 

  • With regards to offsetting medical costs, we also checked with Sandra about her interest in pet insurance and how it might help her and Woozy.

5. Do you think pet insurance is helpful to owners whose pets are affected by hip dysplasia?

We have attended a lot of animal events since entering the pet industry, and have heard about pet insurance.

With regards to how it helps– I think it really depends on what the insurance covers. As you can see, hip dysplasia is an illness that requires long term care regardless of it being mild or serious. For e.g. swimming/supplements, and in serious cases, even surgery.

Will any insurance cover all of this? 

If it is suitable for our boys, we are definitely interested in purchasing it.

To answer her question; Yes! Aon Happy Tails does cover hip dysplasia under their specific hereditary and congenital conditions!

Under their insurance policy, the surgical treatment of any sicknesses, injury or accident including post-surgical follow-up during the policy term.

Also covered are specified hereditary and congenital conditions and cancer treatment.

Photo Credit: Instagram @aonhappytails

However, there is a ninety (90) days waiting period for sicknesses and a 12-month waiting period for Specified Hereditary and Congenital sicknesses from the policy’s first commencement during which sicknesses claims are not payable.

During the twelve (12) month waiting period, if conditions or symptoms of hip dysplasia begin to emerge, it will be considered a pre-existing condition and will no longer be covered by Aon Happy Tails.

Hip Dysplasia coverage will only be applied to pets who are enrolled before six (6) years of age.

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

Follow Sandra, Woozy and Dizzy on Instagram