Receive 30,000 STAR$® when you purchase Happy Tails Pet Insurance! 🐶🐱

Promotion and Policy Ts&Cs apply.

^{^}For Furbulous and Furrific plans.1,000 STAR$® = $1 eCapitaVoucher

[1]Policy terms and conditions apply.

1. Income Insurance Limited (“Income Insurance”) is offering the following promotion(s) (the “Promotion”) subject to these Terms and Conditions:

1.1. A customer shall be eligible to enjoy the Promotion on the first-year premium payable set out in the table below with the purchase of the following policy (“Qualifying Policy”):

2. For a customer to be eligible to enjoy the Promotion:

2.1. The application for the Qualifying Policy must be submitted to Income Insurance during the Promotional Period;

 2.2. The application of the Qualifying Policy must be submitted via:

2.2.1. Income Insurance website online at income.com.sg/buy/happy-tails-pet-insurance;

2.2.2. Income Insurance advisors; or

2.2.3. Any Income Insurance branches;

2.3. The premium payment must be successfully received by Income Insurance during the Promotion Period;

2.4. The customer must be the policyholder and the owner of the pet;

2.5. The customer must enter or quote the valid Promo Code stated in the table in the customer’s application to purchase the Qualifying Policy;

2.6. The customer must hold a valid Singapore identification document such as a Singapore national registration identification card, employment pass, work permit, long-term visit pass or student pass; and

2.7. Your pet must:

2.7.1. Be at least 16 weeks old and below 9 years old at the start date of the Qualifying Policy;

2.7.2. Be micro-chipped;

2.7.3. Live with the policyholder in Singapore;

2.7.4. Undergo an enrolment clinical examination before or within 30 days from start date of Qualifying Policy and the examination result must  be submitted to Income Insurance;

2.7.5. Complete all required vaccinations; and

2.7.6. Not be a working pet or a racing dog.

3.  A customer who applies for the Qualifying Policy within 90 days from the date of expiry or cancellation of any existing/in-force Qualifying Policy with Income Insurance will not be eligible to enjoy this Promotion.

4. A customer may not enjoy this Promotion in conjunction with any other promotion and/or incentive offered by Income Insurance unless otherwise advised by Income Insurance at the point of application.

5. The Promotion does not affect or change any term, condition and exclusion of the policy contract of the Qualifying Policy issued. The precise terms, conditions and exclusions of the Qualifying Policy are specified in the policy contract.

6. Income Insurance will issue a redemption email to customers eligible to enjoy the Promotion one month after each relevant Qualifying Policy is issued, provided that the Qualifying Policy is in-force as of that date.

6.1. The redemption email will be sent to the email address provided in the application form submitted by the customer. No hardcopy letter will be sent.

6.2. The Promotional Gift must be redeemed in accordance with the instructions and terms set out in the redemption email, failing which the customer shall be deemed to have forfeited his/her entitlement to the Promotional Gift, and no compensation will be given or paid in lieu. 

7. An administrative charge of $10.90 (inclusive of 9% GST) will apply for the Qualifying Policy which is cancelled before the start date of the Qualifying Policy.

8. For a Qualifying Policy which is cancelled after the start date of the Qualifying Policy, please refer to the cancellation and refund clause found in the policy terms and conditions.

9. Income Insurance reserves the right to demand that the customer reimburses the full value of the Promotional Gift provided to the customer (i.e. the full value of 60,000 STAR$® stated in Clause 1.1 above) for any Qualifying Policy which is issued but terminated by the customer, or terminated by Income Insurance as a result of its underwriting assessment, or lapses within 30 days from the Qualifying Policy issuance date, and the customer shall immediately pay Income Insurance such amount demanded.

10. Income Insurance reserves the right to replace the Promotional Gift with items of similar value (“Replacement Item”) at any time without prior notice.

11. The Promotional Gift(s) and Replacement Item(s) are not exchangeable for cash or any benefit in kind.

12. Usage of the Promotional Gift and/or Replacement Item(s) shall be subject to terms and conditions imposed by the merchant or manufacturer of the Promotional Gift and Replacement Item(s).

13. Under no circumstances shall Income Insurance be liable to any customer or party, whether in contract, tort (including negligence) or otherwise, for any liabilities, losses, damages, claims, costs and expenses (including any special or consequential damages or losses) in connection with, related to or resulting from the Promotion and/or use of the Promotional Gift and Replacement Item(s).

14. Income Insurance is not the merchant or manufacturer of the Promotional Gift and Replacement Item(s) and provides no warranty in respect of the same. Income Insurance makes no warranties and shall not be responsible for all warranties, expressed or implied, including implied warranties of merchantability, fitness for a particular purpose, and against infringement of intellectual property rights in respect of the Promotional Gift and Replacement Item(s).

15. No joint venture, sponsorship, tie up, agency or any other relationship is intended or created between Income Insurance and merchant or manufacturer of the Promotional Gift and Replacement Item(s). Neither is this Promotion intended or deemed to be a connection with or use of the brand name of the merchant or manufacturer of the Promotional Gift and Replacement Item(s).

16. Income Insurance reserves the right to vary/amend the terms and conditions of this Promotion at any time without prior notice to customers.

17. Income Insurance’s decision on all matters relating to this Promotion (including the issuance of the Promotional Gift and Replacement Item(s)) shall be final, conclusive and binding. No appeals will be entertained.

IMPORTANT NOTES

For enquiries on the Promotion, customers may reach out to Income Insurance via income.com.sg/contact-us/customer-enquiry-form.

You can find the usual terms, conditions and exclusions of this plan at income.com.sg/forms/policy-conditions/happy-tails-policy-conditions.

All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance advisor. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want.

Information is correct as at 24 March 2026.