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 firstname.lastname@example.org 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 email@example.com 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.
客户满意度 5 星！
这是我用 Oyen 的第一年，这家保险公司的服务非常好。只希望其他保险公司也有一样的标准。
为我的毛小孩 (Sonny) 购买保险是我人生做了最好的决定。Sonny 最近被诊断出患有心脏病，导致它这辈子都需要吃药。我并联络 Oyen 的客户服务代表 -Thara，她做好充分的准备， 也回答了我所有的问题，我对她的服务非常满意。谢谢 Oyen 的帮忙与服务，我和 Sonny 都非常感激你们。
我对这家保险公司有良好的经验，索赔流程直截了当，非常简单。最重要的是我的毛小孩 (tamtam) 现在身体将康。我也要感谢 KK 的帮助！
为我的毛小孩购买保险是我人生中做了一个最好的决定。Oyen 是我在网上调查了最棒的一家保险公司。我已索赔了两次，索赔流程直截了当。Thara 和 Kartene 帮了我很多，我非常感激！在考虑购买宠物保险的朋友们，Oyen 不会令你失望哦！
很高兴买了宠物保险给我 2 只猫咪。我的毛孩因为髋部骨折，需要动手术。花了差不多 RM3000，我拿到了百分之90的赔偿金！
登记户口很简单，索赔流程也非常直截了当。我给我的 6 只猫咪买了宠物保险。当它们生病时，我只需要付账单的百分之 10，然后就会得到百分之 90的赔偿金。Oyen，非常感激你们！
高效的服务，专业和直截了当的索赔流程。我对于 Oyen 非常满意！我和我的毛小孩会是 Oyen 的终身客户！
购买 Oyen 宠物保险是我人生中做了一个最好的决定！Oyen 的职员都很高效，也非常友善。索赔流程又简单又直截了当。我给 Oyen 7 星！
我很感激 Fikri 的帮助。他回答了我所有的问题，尤其是监管和法律相关的答案令我感到非常满意！我听了立即购买宠物保险！另外，Oyen 的创始人提出了这伟大的倡议，实在是太棒了！（你们将会在什么时候众筹，我对你的生意非常有信心，我也想投资！：D）
数据基于实际 Oyen 声明！*
他的左眼有高压（99 点）。兽医认为这是高血压引起的青光眼。 后来心电图和超声波发现他的肝脏错位了！
兽医通过 X 光检查在 Onyom 发现了膀胱结石!进行了膀胱切开术以去除膀胱结石