We do not cover illnesses that have 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.
(a) congenital illness;
(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 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 specialist vets are: Oncologists, Toxicologists
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.
Costs incurred to remove a foreign object swallowed by your pet
Treatment incurred after the expiry of policy for which there has not been any subsequent renewal.
More than the veterinary fees maximum benefit for
the combined treatment costs of all injuries and illnesses during the period of insurance.
In line with Paragraph 10(1) Schedule 8 Financial Services Act, the following 3 items must be disclosed by Policy Holder (i.e. telco) to the Named Insured (i.e. telco subscriber) when Named Insured is signing up or completing the telco service agreement form:
You must take reasonable care not to misrepresent when answering questions herein or in any request made by Oyen and check the information you have provided is complete and accurate. You should also disclose all relevant information which may influence Oyen in the acceptance of this insurance, decide the terms and the premium you will pay. If you do not take reasonable care and the information provided by you is incomplete or inaccurate, this may affect your claim. Your responsibility to provide complete and accurate information when requested by Oyen shall continue until the time of you entering into, making changes to or renewing your insurance. Unless renewed, the coverage will cease on expiry date and we shall strictly not be liable for any expenses that take place after the expiry date.