We don't like big and complicated words in insurance too. We wish to explain these ''terms'' to you. Though, keep in mind that this list is a summary of exclusions explained in simple words. For the full description and list, do refer to our Policy Wording.
If you don't understand any of the Policy Wordings, please don't be shy to email us at email@example.com or drop us a message on our social media pages.
We do not cover the pet for illnesses that had already shown clinical signs or symptoms, has occurred, been diagnosed or has been treated before the policy start date or during the waiting periods.
A waiting period is the first 14 days from the start of your policy. The waiting period is introduced to reduce the possibility of claims that occur too close to the purchase of pet insurance plan.
Including and not limited to the cost of any pet food and/or supplements, preventative vaccinations, spaying, castration, routine removal of dew claws, killing and controlling fleas, treating round worms and tapeworms, ticks, mites, grooming and nail clipping or any complications arising from these treatments.
We do not cover the pet for congenital conditions and their related health complications. Congenital conditions are defined as conditions that are present from birth involving any organ or part of the body.
(a) congenital conditions;
(b) training or therapy for behavioural illness;
(c) cryptorchidism or ovariohysterectomy;
(d) dental costs (except dental treatment due to an accident);
(e) pregnancy, birth or breeding and any complications thereof;
(f) surgical implants;
(g) organ transplantation;
(h) elective treatment (not a medical emergency) and cosmetic surgeries.
We will only pay for 1 consultation or diagnostic test for the same sickness. Seeking second opinion from the same or different vets will not be covered.
We will only cover vet medical fees from general vet practitioners and not specialist list. Examples of specialised vets are: Oncologists, Toxicologists.
Costs incurred to remove a foreign object swallowed by your pet or illness due to food poisoning.
Treatment that takes place after the expiry date of policy when there has not been any subsequent renewal.
You may only claim up to the maximum amount of your policy's limit. Eg. For the vet medical limit of RM5,000, you can only claim a maximum amount of RM5,000.
Our free microchip is only available to dog pet owners on a first come first serve basis. Limited stock available and not all submissions are guaranteed.
If you don't understand any of these words, please don't be shy to email us at firstname.lastname@example.org or drop us a message on our social media pages.
Unfortunately, we will not be able to insure all pets. These are some conditions before we can provide cover for your furry friend:
(a) must be aged between twelve (12) weeks to ten (10) years at the start date of your insurance.
(b) be free from injury or physical disability at the start date of your insurance.
(c) be at all times under your care or your family. (Sadly, this means you can't insure stray cats or dogs that don't live with you)
(d) be duly licensed and not fall under banned or restricted breeds as prescribed by the Government or Public or Local Authority (for pet dogs). Here's a link to our FAQ.
(e) be microchipped (for pet dogs)
(f) where your pet is a cat, you must provide medical card certification from a registered veterinarian with details of the pet and its owner including their names and photographs of the pet.
(g) not be a working pet.
With a cute pet, comes big responsibility. The Pet Owners need to satisfy the following criteria:
(a) be aged eighteen (18) years or older; and
(b) be the owner of the pet (Proof: legal name shown on vet medical card or receipt)
(c) the pet insurance is not transferable to other pets.
A pet is covered under this policy only while the pet is in Malaysia.
Your pet must reside permanently with you at the address within Malaysia stated in the schedule.
With Oyen® Pet Insurance, you can
visit any vet clinic or hospital in Malaysia, claim up to RM8,000 in vet bills!
Visit any licensed vet in Malaysia with an Annual Practising Certificate (APC)
Submit your vet receipt and information about your furbaby's vet visit in our dashboard
We pay directly into your bank account, no need to wait for a physical cheque
Our insurance experience is a perfect 5 stars, check out some reviews from our customers.
This is my first year with Oyen, it's the best service I've ever experienced especially with insurance. If only i could say the same for human insurance services.
Honestly I must say getting my chihuahua Sonny insured with Oyen MSIG is one of the best decision I have made in my life and also Sonny’s life.Recently my boy was diagnosed with a heart condition and was put under medication for the rest of his life.After the vet visit,I had contacted Thara- one of Oyen’s customer service representative and boy I kid you not, I have received one of the most outstanding customer service as they were ever so prepared and willing to assist me with any questions that I had regarding Sonny’s condition.A million thanks to everyone on Oyen’s wonderful team for your accessible and exceptional assistance. I can’t thank you enough, well done!Love,Sonny and I.
Really had good experiences with this insurance , the process is straightforward and simple , got my fund within 5 working days after claim. Most important thing is my furbaby tamtam now is healthy after getting treatment. Shout to KK (customer service) for your excellent service for my Tamtam
One of the best decisions I have made to protect my furkid - get her insured. Had been surveying the market for the best insurance company that can give her the best protection and I would say Oyen Pet Insurance is just perfect.I claimed twice for my puppy's medical fee, and the process was easy, smooth, and fast. Was assisted by Thara and Kartene, who are really informative and helpful. Thanks a lot!For pawrents who are considering getting your babies insured, Oyen would be your best choice :)
Im glad i made the right decision to purchase the insurance for my 2 cats. My cat fractured both his hip joints recently and required surgery. Cost was roughly RM3k but my claim was approved 90%.
Proses pendaftaran yang mudah, proses claim juga mudah. Saya telah mendaftar insurans Oyen untuk 6 ekor kucing kesayangan saya, setiap kali mereka ada masalah kesihatan, saya cuma perlu membayar 10% sahaja dari jumlah bil dan Oyen membayar selebihnya. Terima kasih Oyen.
Excellent service, professional handling of claims and fast hassle-free reimbusements. I'm very impressed!! I guess I'm gonna be a lifetime (My furkid's lifetime that is) client :-)
One of the best decisions i've ever made! Oyen has been wonderful since the very beginning. Super responsive and very friendly. Claiming process is very easy and very fast. I will give Oyen 7 stars instead of 5!
I have been so touched by the personal service and prompt responses received by the Oyen team. Any questions posed were always promptly answered.
Thank you Fikri for assisting me and helped me answer all of my questions regarding the policy. I was so satisfied with the answers which was regulatory and law related and he took it like a champ !! I immediately signed up for the policy ! Also great initiatives from the founders for developing this (psstt.. when are you guys going to crowdfund I believe in your business so much I want to invest :D)
For any unexpected illness, accidents, injuries and emergencies. Includes consultation, diagnosis, surgery, prescribed medication, treatment and tests.
For when your pet accidentally damages properties of others or injures them (or their pet). Includes legal fees, compensation and medical costs that may arise.
For saying goodbye to your pet. Includes pet cremation, burial costs and plot, funeral expenses and columbarium.
This is just a reference list of pet illnesses and injuries. The final approval of claims is subjected to terms and conditions of Oyen's policy.
A simple flu that led to hospitalisation. Medication included antihistamine, eye drops, anti-inflammatory pills, antibiotics, flu jab.
He had high pressure (99 points) on his left eye. The vet believes it is glaucoma caused by hypertension. An ECG and ultrasound later found that his liver was misplaced in the wrong position!
The vet found bladder stones in Onyom through an x-ray! A Cystotomy surgery was performed to remove them.
We value transparency and want to be upfront with you about what's not covered in your plan