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Most new illnesses and injuries are covered. The list below shows how we treat the conditions and treatments pet parents ask us about most, from A to Z. If something isn't on the list and isn't on our exclusions list, it's usually covered, and every claim is still reviewed on its own facts.
Some things apply to every row: the condition must not be pre-existing, it must not be something your pet was born with, and claims are paid up to your plan's yearly limit (Basic RM4,000, Plus RM6,000, Champion RM10,000) at your reimbursement rate of 90%, 70% or 50%. Nothing here is a promise about a particular claim, because the final decision is made by our insurer, MSIG, after reviewing your vet's documents.
| Condition or treatment | Cats or dogs | Covered? | Why |
|---|---|---|---|
| Abscess (for example from a fight) | Cats and dogs | Covered | An infection or injury that isn't excluded. |
| Accident or injury in the first 30 days | Cats and dogs | Covered | Accidents are covered from day 1. Only illness has a 30-day waiting period. |
| Acupuncture, chiropractic or herbal treatment | Cats and dogs | Not covered | Alternative therapy is excluded. |
| Addison's disease | Dogs | Covered | An illness that isn't excluded. |
| Allergy tests | Cats and dogs | Not covered | Allergy and allergen tests are excluded. |
| Anaemia | Cats and dogs | Reviewed as a claim | Depends on the cause. Not covered if it comes from parasites, for example anaemia from fleas or worms, or tick fever. |
| Anal gland emptying as routine care | Cats and dogs | Not covered | Routine care, like grooming, isn't covered. |
| Anal gland infection or abscess | Cats and dogs | Covered | An illness that isn't excluded. |
| Anxiety, stress or behaviour treatment | Cats and dogs | Not covered | Behaviour therapy and training are excluded, including treatment for stress overgrooming. |
| Arthritis | Cats and dogs | Reviewed as a claim | Covered when it's new. Not covered if it's linked to an excluded hereditary condition or showed signs before the policy started. |
| Asthma | Cats | Covered | An illness that isn't excluded. |
| Babesiosis (tick fever) | Cats and dogs | Not covered | Spread by ticks. Anything caused by parasites, such as fleas, ticks, mites, worms (including heartworm) or protozoa (such as giardia, coccidia and toxoplasma), isn't covered, and neither are its complications. |
| Biopsy of a lump | Cats and dogs | Reviewed as a claim | Covered when your vet orders it because of symptoms or a finding. Not covered for screening a healthy pet. |
| Bite wounds | Cats and dogs | Covered | An accident, covered from day 1. |
| Bladder stones or crystals | Cats and dogs | Covered | An illness that isn't excluded. Prescription food to dissolve stones isn't covered. |
| Bloat (GDV) | Dogs | Covered | An emergency illness that isn't excluded. |
| Blood test for a yearly health screen | Cats and dogs | Not covered | Screening a healthy pet is preventive care. |
| Blood test when your pet is unwell | Cats and dogs | Reviewed as a claim | Covered when your vet orders it because of symptoms or a finding. Not covered for screening a healthy pet. |
| Blood transfusion | Cats and dogs | Covered | Part of treating a covered illness or injury. |
| Boarding at the clinic when it isn't medically needed | Cats and dogs | Not covered | Non-essential boarding and stays are excluded. |
| BOAS (flat-face breathing problems) | Flat-faced breeds, such as Pug, French Bulldog, Persian | Not covered | Treated as hereditary in these breeds, and not 1 of the 6. |
| Broken bones (fractures) | Cats and dogs | Covered | An accident, covered from day 1. |
| Broken tooth | Cats and dogs | Reviewed as a claim | Covered only if an accident caused it, like a fall, road accident or fight. |
| Burial at home (DIY burial) | Cats and dogs | Not covered | The burial benefit is paid back against a receipt from a vet or a burial or cremation service provider. A DIY burial has no receipt, so it can't be claimed. |
| Burial or cremation | Cats and dogs | Plus and Champion only | Plus up to RM500, Champion up to RM1,000, Basic none. Paid back against a receipt from a vet or a burial or cremation service provider, and only if the cause of death isn't excluded. |
| Burns | Cats and dogs | Covered | An accident, covered from day 1. |
| Caesarean section or birth care | Cats and dogs | Not covered | Pregnancy, birth and breeding are excluded. |
| Cancer (including lymphoma and skin tumours) | Cats and dogs | Covered | Covered when it's new and not pre-existing. |
| Cat flu (calicivirus, herpesvirus) | Cats | Covered | Not on the exclusions list. Only rabies, distemper and parvovirus are excluded among the vaccine diseases. |
| Cataracts | Cats and dogs | Reviewed as a claim | Not covered if inherited in your pet's breed or present from birth. Cataracts from another covered illness, like diabetes, are reviewed as a claim. |
| Chemotherapy | Cats and dogs | Covered | Part of treating a covered cancer. |
| Cherry eye | Cats and dogs | Covered, with conditions | 1 of the 6 covered hereditary conditions: only if your pet joined before age 6, after 12 months of cover, and not pre-existing. |
| Cleft palate | Cats and dogs | Not covered | Present from birth (congenital). |
| Complications after a vaccination | Cats and dogs | Not covered | Routine and preventive care, and their complications, are excluded. |
| Complications after spaying or neutering | Cats and dogs | Not covered | Spay and neuter, and their complications, are excluded. |
| Conjunctivitis or eye infection | Cats and dogs | Covered | An illness that isn't excluded. |
| Constipation | Cats and dogs | Covered | An illness that isn't excluded. |
| Consultation when your pet is unwell | Cats and dogs | Covered | Covered when the vet diagnoses or treats an illness or injury that isn't excluded. |
| Cosmetic surgery (ear cropping, tail docking) | Cats and dogs | Not covered | Elective and cosmetic treatment is excluded. |
| Cruciate ligament tear (knee) | Dogs | Reviewed as a claim | Covered when it's new. Not covered if there were signs before the policy started. |
| Cryptorchidism (retained testicle) | Dogs | Not covered | Excluded by the policy. |
| CT scan or MRI | Cats and dogs | Reviewed as a claim | Covered when your vet orders it because of symptoms or a finding. Not covered for screening a healthy pet. |
| Cushing's disease | Dogs | Covered | An illness that isn't excluded. |
| Deafness from birth | Cats and dogs | Not covered | Present from birth (congenital). |
| Death from an excluded condition (burial benefit) | Cats and dogs | Not covered | The burial or cremation benefit doesn't apply if the cause of death is excluded. |
| Demodex (demodectic mange) | Dogs | Not covered | Caused by mites. Anything caused by parasites, such as fleas, ticks, mites, worms (including heartworm) or protozoa (such as giardia, coccidia and toxoplasma), isn't covered, and neither are its complications. |
| Dental cleaning or scaling | Cats and dogs | Not covered | Dental care is excluded unless it's from an accident. |
| Dental treatment after an accident | Cats and dogs | Covered | Dental care from an accident, like a fall or road accident, is covered. |
| Dew claw removal | Dogs | Not covered | Routine removal of dew claws is excluded. |
| Deworming | Cats and dogs | Not covered | Preventive care is excluded. |
| Diabetes | Cats and dogs | Covered | An illness that isn't excluded. Prescription food isn't covered. |
| Diarrhoea | Cats and dogs | Covered | Covered unless it's caused by parasites (such as worms, giardia or coccidia), a swallowed non-food item, poisoning from something that isn't food, or parvovirus. |
| Distemper (canine) | Dogs | Not covered | Not covered at all, even if your dog is vaccinated. |
| Drip (IV fluids) | Cats and dogs | Covered | Part of treating a covered illness or injury. |
| Ear cleaning as routine care | Cats and dogs | Not covered | Routine care isn't covered. |
| Ear haematoma | Cats and dogs | Covered | An illness or injury that isn't excluded. |
| Ear infection (otitis) | Cats and dogs | Covered | Covered unless it's caused by ear mites. |
| Ear mites | Cats and dogs | Not covered | Anything caused by parasites, such as fleas, ticks, mites, worms (including heartworm) or protozoa (such as giardia, coccidia and toxoplasma), isn't covered, and neither are its complications. |
| Ehrlichiosis (tick fever) | Dogs | Not covered | Spread by ticks. Anything caused by parasites, such as fleas, ticks, mites, worms (including heartworm) or protozoa (such as giardia, coccidia and toxoplasma), isn't covered, and neither are its complications. |
| Elbow dysplasia | Dogs | Covered, with conditions | 1 of the 6 covered hereditary conditions: only if your pet joined before age 6, after 12 months of cover, and not pre-existing. |
| Electric shock (for example chewing a cable) | Cats and dogs | Covered | An accident, covered from day 1. |
| Elizabethan cone | Cats and dogs | Not covered | Cones are excluded. |
| Entropion (eyelid rolling in) | Cats and dogs | Reviewed as a claim | Not covered in flat-faced breeds, where it's treated as inherited, or if present from birth. |
| Epilepsy or seizures | Cats and dogs | Reviewed as a claim | Depends on the cause. Not covered if vets consider it inherited in your pet's breed, or if it started before the policy. |
| Euthanasia | Cats and dogs | Reviewed as a claim | Covered only when it's done to relieve suffering from a covered illness or injury. |
| Eye injury or ulcer from a scratch or fight | Cats and dogs | Covered | An accident, covered from day 1. |
| Falls, including from a balcony or window | Cats and dogs | Covered | An accident, covered from day 1. |
| Feline panleukopenia (feline parvovirus) | Cats | Not covered | Not covered at all, even if your cat is vaccinated. |
| FeLV (feline leukaemia virus) | Cats | Covered | Not on the exclusions list. Not covered if your cat tested positive or showed signs before the policy started. |
| Fever | Cats and dogs | Covered | Covered unless it's caused by an excluded condition, like tick fever. |
| FIP antiviral drugs (GS-441524, remdesivir, any brand) | Cats | Not covered | Not approved for use in Malaysia, so the drug, giving it and its side effects aren't covered. |
| FIP treatment (other than the antiviral drugs) | Cats | Reviewed as a claim | Supportive treatment, tests and hospital care are reviewed as a claim, as long as FIP isn't pre-existing. |
| FIV (feline immunodeficiency virus) | Cats | Covered | Not on the exclusions list. Not covered if your cat tested positive or showed signs before the policy started. |
| Flea allergy dermatitis | Cats and dogs | Not covered | Anything caused by parasites, such as fleas, ticks, mites, worms (including heartworm) or protozoa (such as giardia, coccidia and toxoplasma), isn't covered, and neither are its complications. |
| Flea, tick and worm prevention | Cats and dogs | Not covered | Preventive care is excluded. |
| Fleas, ticks or mites on your pet (treatment) | Cats and dogs | Not covered | Anything caused by parasites, such as fleas, ticks, mites, worms (including heartworm) or protozoa (such as giardia, coccidia and toxoplasma), isn't covered, and neither are its complications. |
| FLUTD (cat urinary problems) | Cats | Covered | An illness that isn't excluded. |
| Follow-up visits after surgery | Cats and dogs | Covered | Basic up to 30 days, Plus and Champion up to 60 days after the surgery. |
| Food allergy | Cats and dogs | Reviewed as a claim | Vet treatment is reviewed as a claim if it isn't pre-existing. Special diets and prescription food aren't covered. |
| Food poisoning from spoiled or contaminated food | Cats and dogs | Reviewed as a claim | Real food only: an upset from food that has gone bad or is contaminated is an illness and is reviewed like any other. Poisoning from anything that isn't food isn't covered, and toxic human foods like chocolate are listed separately. |
| Fractures | Cats and dogs | Covered | An accident, covered from day 1. |
| Gastroenteritis (tummy upset) | Cats and dogs | Covered | Covered unless it's caused by parasites (such as worms, giardia or coccidia), a swallowed non-food item, poisoning from something that isn't food, or parvovirus. |
| Giardia or coccidia | Cats and dogs | Not covered | Protozoan parasites. Anything caused by parasites, such as fleas, ticks, mites, worms (including heartworm) or protozoa (such as giardia, coccidia and toxoplasma), isn't covered, and neither are its complications. |
| Glaucoma | Cats and dogs | Covered, with conditions | 1 of the 6 covered hereditary conditions: only if your pet joined before age 6, after 12 months of cover, and not pre-existing. |
| Grooming and nail clipping | Cats and dogs | Not covered | Routine care is excluded. |
| Gum disease (gingivitis, periodontal disease) | Cats and dogs | Not covered | Dental and oral disease is excluded unless it's from an accident. |
| Hairballs | Cats | Not covered | Hairballs and their treatment aren't covered. |
| HCM (heart disease) in Maine Coon, British Shorthair, Ragdoll, Bengal, Persian | Cats | Not covered | Treated as hereditary in these breeds, and not 1 of the 6. |
| Heart defect or murmur present from birth | Cats and dogs | Not covered | Present from birth (congenital). |
| Heart disease in other breeds | Cats and dogs | Reviewed as a claim | Covered when it's new. Not covered if it's present from birth or inherited in your pet's breed. |
| Heartworm | Cats and dogs | Not covered | Caused by a worm. Anything caused by parasites, such as fleas, ticks, mites, worms (including heartworm) or protozoa (such as giardia, coccidia and toxoplasma), isn't covered, and neither are its complications. |
| Heatstroke | Cats and dogs | Covered | An illness that isn't excluded. |
| Hernia from an accident | Cats and dogs | Covered | An accident, covered from day 1. |
| Hernia present from birth (umbilical or inguinal) | Cats and dogs | Not covered | Present from birth (congenital). |
| Hip dysplasia | Cats and dogs | Covered, with conditions | 1 of the 6 covered hereditary conditions: only if your pet joined before age 6, after 12 months of cover, and not pre-existing. |
| Hit by a car (road accident) | Cats and dogs | Covered | An accident, covered from day 1. |
| Hormone replacement therapy | Cats and dogs | Not covered | Excluded by the policy. |
| Hospital stay (overnight) | Cats and dogs | Covered | When medically needed. Basic covers 3 nights a year, Plus and Champion are unlimited. |
| Hot spots | Cats and dogs | Covered | A skin infection that isn't excluded, unless it's caused by fleas or other parasites. |
| House call by a vet | Cats and dogs | Not covered | House calls are excluded. |
| Hydrotherapy | Cats and dogs | Not covered | Excluded by the policy. |
| Hyperthyroidism | Cats | Covered | An illness that isn't excluded. |
| Hypothyroidism | Dogs | Covered | An illness that isn't excluded. |
| Illness that starts in the first 30 days | Cats and dogs | Not covered | Illness in the waiting period isn't covered and stays excluded. |
| Implants, prosthetics, wheelchairs, carts or diapers | Cats and dogs | Not covered | Aids and devices are excluded. |
| Infertility treatment | Cats and dogs | Not covered | Breeding and fertility treatment are excluded. |
| Ingrown nail | Cats and dogs | Reviewed as a claim | Depends on what the vet finds. Routine nail clipping isn't covered. |
| Injury caused on purpose or through neglect by someone in your household | Cats and dogs | Not covered | Excluded by the policy. |
| Insect or bee sting | Cats and dogs | Covered | An accident, covered from day 1. |
| IVDD (slipped disc) | Cats and dogs | Covered, with conditions | 1 of the 6 covered hereditary conditions: only if your pet joined before age 6, after 12 months of cover, and not pre-existing. |
| Kennel cough | Dogs | Covered | An illness that isn't excluded. |
| Kidney disease (CKD, kidney failure) | Cats and dogs | Covered | Covered when it's new. PKD in Persian, British Shorthair and Exotic cats isn't covered. |
| Kidney or urinary tract infection (UTI) | Cats and dogs | Covered | An illness that isn't excluded. |
| Lameness or limping | Cats and dogs | Reviewed as a claim | Depends on the cause the vet finds. |
| Leptospirosis | Dogs | Covered | Not on the exclusions list. Only rabies, distemper and parvovirus are excluded among the vaccine diseases. |
| Liver disease | Cats and dogs | Covered | Covered when it's new. A liver shunt present from birth isn't covered. |
| Liver shunt present from birth | Cats and dogs | Not covered | Present from birth (congenital). |
| Lump removal or tests | Cats and dogs | Reviewed as a claim | Reviewed as a claim for that condition, unless it's pre-existing. Ask your vet to write the finding on the report. |
| Luxating patella (kneecap slipping) | Cats and dogs | Covered, with conditions | 1 of the 6 covered hereditary conditions: only if your pet joined before age 6, after 12 months of cover, and not pre-existing. |
| Mammary tumours | Cats and dogs | Reviewed as a claim | Reviewed like other cancers, as long as they're not pre-existing. |
| Medical report or claim paperwork fee from the clinic | Cats and dogs | Not covered | It isn't treatment, so it isn't covered. |
| Medicated shampoo or medicated bath | Cats and dogs | Not covered | Shampoos and baths are excluded, even if the vet recommends them. |
| Medication prescribed by your vet | Cats and dogs | Covered | For a covered illness or injury. |
| Medicine bought at a pharmacy or pet shop | Cats and dogs | Reviewed as a claim | We need your vet's prescription showing the medicine, dose and how long to give it. |
| Medicine not registered for use in Malaysia | Cats and dogs | Not covered | Unregistered or unapproved medicines are excluded. |
| Microchipping | Cats and dogs | Not covered | Routine and preventive care isn't covered. |
| Mitral valve disease in Cavalier King Charles Spaniels | Dogs | Not covered | Treated as hereditary in this breed, and not 1 of the 6. |
| Mouth ulcers or stomatitis | Cats and dogs | Not covered | Oral disease is excluded unless it's from an accident. |
| Obesity or weight gain treatment | Cats and dogs | Not covered | Treatment for weight loss or gain is excluded. |
| Organ transplant | Cats and dogs | Not covered | Excluded by the policy. |
| Osteochondrodysplasia in Scottish Folds | Cats | Not covered | Treated as hereditary in this breed, and not 1 of the 6. |
| Oxygen therapy | Cats and dogs | Covered | Part of treating a covered illness or injury. |
| Palliative care | Cats and dogs | Not covered | Excluded by the policy. |
| Pancreatitis | Cats and dogs | Covered | An illness that isn't excluded. |
| Parvovirus | Dogs | Not covered | Not covered at all, even if your dog is vaccinated. |
| Physiotherapy or rehab | Cats and dogs | Not covered | Excluded, even after surgery. |
| PKD (kidney cysts) in Persian, British Shorthair, Exotic | Cats | Not covered | Treated as hereditary in these breeds, and not 1 of the 6. |
| Pneumonia | Cats and dogs | Covered | An illness that isn't excluded. |
| Poisoning from something that isn't food (human medicine, rat poison, chemicals, detergent, plants such as lilies) | Cats and dogs | Not covered | Poisoning from anything that isn't food is excluded, along with its complications. |
| PRA (progressive retinal atrophy) | Cats and dogs | Not covered | Hereditary, and not 1 of the 6. |
| Pre-existing condition | Cats and dogs | Not covered | Anything that showed signs before the policy started, diagnosed or not, is never covered. |
| Pregnancy, mating or breeding | Cats and dogs | Not covered | Excluded by the policy. |
| Prescription food or special diet | Cats and dogs | Not covered | Excluded, even if the vet recommends it. |
| Pyometra (womb infection) | Cats and dogs | Not covered | Excluded by the policy. |
| Rabies | Cats and dogs | Not covered | Not covered at all, even if your pet is vaccinated. |
| Referral to another clinic by your vet | Cats and dogs | Covered | A vet's referral is fine. Ask your vet to note the referral on the records. |
| Ringworm | Cats and dogs | Covered | Despite the name, it's a fungal skin infection, not a worm or parasite, so it's covered when it's new. Medicated baths and shampoos aren't covered. |
| Scabies or sarcoptic mange | Cats and dogs | Not covered | Caused by mites. Anything caused by parasites, such as fleas, ticks, mites, worms (including heartworm) or protozoa (such as giardia, coccidia and toxoplasma), isn't covered, and neither are its complications. |
| Screening tests on a healthy pet (blood, urine, X-ray, scan) | Cats and dogs | Not covered | Preventive care isn't covered. |
| Second opinion you choose yourself | Cats and dogs | Not covered | Self-chosen second opinions are excluded. A vet's referral is fine. |
| Skin allergy (not from fleas) | Cats and dogs | Reviewed as a claim | Vet treatment is reviewed as a claim if it isn't pre-existing. Shampoos, special diets and supplements aren't covered. |
| Skin infection | Cats and dogs | Covered | Covered unless it's caused by fleas, ticks, mites or other parasites. |
| SMA (spinal muscular atrophy) in Maine Coons | Cats | Not covered | Treated as hereditary in this breed, and not 1 of the 6. |
| Snake bite | Cats and dogs | Covered | An accident, covered from day 1. |
| Spaying or neutering | Cats and dogs | Not covered | Excluded, along with its complications. |
| Stitches or wound repair | Cats and dogs | Covered | An accident, covered from day 1. |
| Supplements and vitamins | Cats and dogs | Not covered | Excluded, even if the vet recommends them. |
| Surgery | Cats and dogs | Covered | For a covered illness or injury, including anaesthesia and theatre fees. |
| Swallowed toy, string, bone or other non-food item (including fish bones) | Cats and dogs | Not covered | Swallowed non-food items, fish bones and other bones are excluded, along with their complications. |
| Teleconsult or video call with a vet | Cats and dogs | Not covered | Teleconsults are excluded. |
| Tick fever | Cats and dogs | Not covered | Spread by ticks. Anything caused by parasites, such as fleas, ticks, mites, worms (including heartworm) or protozoa (such as giardia, coccidia and toxoplasma), isn't covered, and neither are its complications. |
| Toad poisoning | Dogs | Ask us | We check these case by case. WhatsApp us with the vet's notes. |
| Tooth extraction | Cats and dogs | Not covered | Dental care is excluded unless it's from an accident. |
| Toxic human foods (chocolate, grapes or raisins, onion or garlic, xylitol) | Cats and dogs | Ask us | We check these case by case. WhatsApp us with the vet's notes. |
| Toxoplasmosis | Cats and dogs | Not covered | A protozoan parasite. Anything caused by parasites, such as fleas, ticks, mites, worms (including heartworm) or protozoa (such as giardia, coccidia and toxoplasma), isn't covered, and neither are its complications. |
| Tracheal collapse in Pomeranians | Dogs | Not covered | Treated as hereditary in this breed, and not 1 of the 6. |
| Training | Cats and dogs | Not covered | Behaviour training and therapy are excluded. |
| Treatment by a groomer, pet shop or anyone who isn't a vet | Cats and dogs | Not covered | Only treatment by a licensed vet can be claimed. |
| Treatment outside Malaysia | Cats and dogs | Not covered | Only treatment in Malaysia is covered. |
| Ultrasound | Cats and dogs | Reviewed as a claim | Covered when your vet orders it because of symptoms or a finding. Not covered for screening a healthy pet. |
| Urinary blockage | Cats | Covered | An illness that isn't excluded. |
| Urine test when your pet is unwell | Cats and dogs | Reviewed as a claim | Covered when your vet orders it because of symptoms or a finding. Not covered for screening a healthy pet. |
| Vaccinations | Cats and dogs | Not covered | Preventive care is excluded. |
| Vomiting | Cats and dogs | Covered | Covered unless it's caused by a swallowed non-food item, poisoning from something that isn't food, parasites, hairballs or parvovirus. |
| Worms (roundworm, tapeworm, hookworm) treatment | Cats and dogs | Not covered | Anything caused by parasites, such as fleas, ticks, mites, worms (including heartworm) or protozoa (such as giardia, coccidia and toxoplasma), isn't covered, and neither are its complications. |
| Wounds and cuts | Cats and dogs | Covered | An accident, covered from day 1. |
| X-ray | Cats and dogs | Reviewed as a claim | Covered when your vet orders it because of symptoms or a finding. Not covered for screening a healthy pet. |
| Yearly check-up on a healthy pet | Cats and dogs | Not covered | Routine check-ups are preventive care. |
Please don't wait for us if your pet is unwell. Go to the vet first. We can tell you how the policy usually treats a condition, but we can't confirm a claim outcome until it's submitted and reviewed. For more, read straight answers about Oyen pet insurance, are check-ups and tests covered and our Product Disclosure Sheet.
Still unsure? WhatsApp us on +60162996840 or email care@oyen.my and we'll help you check.
Last checked against our MSIG policy: October 2026.
Oyen® Pet Insurance is a digital-first insurance agency for consumer insurance products like pet insurance in Malaysia.
We are a registered takaful agent for Zurich General Takaful Malaysia Berhad (201701045981) and insurance agent of MSIG Insurance (Malaysia) Bhd (197901002705).
Emerge Insurtech (M) Sdn Bhd (202101001225):
Formerly known as Oyen Sdn Bhd
Level 28, GTower, Jalan Tun Razak,50450 Kuala Lumpur, Malaysia
t: +6016 299 6840 (9am-5pm, Mon to Fri)
email: hello@oyen.my
