Are vet check-ups and health screenings covered?

Oyen covers your pet when they're sick or hurt, so a check-up on a healthy pet isn't covered. The moment your vet finds something and starts investigating it, the tests and treatment for that are reviewed as a claim.

What's covered and what isn't

A tip that really helps your claim

Ask your vet to write the symptoms or finding, and why they ordered each test, on the report or invoice. That's what shows the claims team a test was medically needed and not routine.

FAQs

My senior dog needs bloodwork every year. Is that covered?

Not when it's only to screen a healthy dog. If your vet orders the bloodwork because of symptoms, or to monitor an illness that's covered, it's reviewed as a claim. Ask your vet to note the reason on the report.

The vet found a lump during a check-up. What can I claim?

The check-up itself isn't covered. The tests and treatment for the lump are reviewed as a claim for that condition, unless it's pre-existing or excluded. Ask your vet to write the finding on the report.

Is the consultation fee covered?

Yes, when your pet is unwell and the vet diagnoses or treats an illness or injury that isn't excluded. The consultation is part of that claim.

More help

Read our straight answers before you buy for age, renewal, check-ups, pre-existing conditions and claims in one place, and the full exclusions list.

Still unsure? WhatsApp us on +60162996840 and we'll answer your question.

Last checked against our MSIG policy: October 2026.