Exclusions

• Descriptions

  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 hello@oyen.my or drop us a message on our social media pages.

• Pre-existing Conditions

  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.

• An Illness during the waiting period

  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.

• Routine and preventative treatments

  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.

• Congenital Conditions

  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.

• Aids and Prosthesis

  (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.

• Any second opinion treatment or fees

  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.

• Any treatment or fees by a specialised vet

  We will only cover vet medical fees from general vet practitioners and not specialist list. Examples of specialised vets are: Oncologists, Toxicologists.

• Removal of foreign object and food poisoning

  Costs incurred to remove a foreign object swallowed by your pet or illness due to food poisoning.

• Treatment after the expiry of policy

  Treatment that takes place after the expiry date of policy when there has not been any subsequent renewal.

• Treatment exceeding the limit of benefit

  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.