Hi does anyone have any experience buying pet insurance, do you think it is necessary?

Pet insurance is advisable if you own a dog or cat, given the high cost of veterinary consultation and medical treatment. It is advisable to insure early as most pet insurance does not cover pre-existing conditions only covers pets under a certain age.

Currently, 4 main insurers provide Pet Insurances. They are AON Happy Tails, Liberty PetCare standard plan, AIA Paw Safe, and CIMB My Paw Pal. The coverage differs across insurers thus do check the details for the individual policies. We have also done a comparison across the different policies in this article. Do feel free to check it out.​​​

https://seedly.sg/questions/is-there-is-any-ins... do read this up.

It makes it worth it only when you buy early (so there's no exclusion), to reduce the vet cost required.