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We often confuse congenital and hereditary conditions with each other. How can we correctly classify them? We break down the differences between these medical jargon and how to tell them apart:
Congenital conditions are never covered by Oyen pet insurance. These are problems your pet is born with, even if they only show up later.
Hereditary conditions are not covered either, except for these 6:
These 6 are covered only when all 3 of these are true:
If your pet joins at 6 or older, these 6 conditions aren't covered. Everything else that's new and not on the exclusions list is still covered as usual.
| Breed | Common condition | Covered? |
|---|---|---|
| Pomeranian | Luxating patella | ✅ Covered if joined below 6, after 12 months, not pre-existing |
| Pomeranian | Tracheal collapse | ❌ Not covered: hereditary, not one of the 6 |
| Golden Retriever | Hip dysplasia | ✅ Covered if joined below 6, after 12 months, not pre-existing |
| Dachshund | IVDD | ✅ Covered if joined below 6, after 12 months, not pre-existing |
| Pug, French Bulldog | BOAS (breathing) | ❌ Not covered |
| Cavalier King Charles | Mitral valve disease | ❌ Not covered: hereditary, not one of the 6 |
| Maine Coon, British Shorthair, Ragdoll | HCM (heart) | ❌ Not covered: hereditary, not one of the 6 |
| Persian, British Shorthair | PKD (kidney cysts) | ❌ Not covered: hereditary, not one of the 6 |
If vet literature says a condition is usually inherited in your pet's breed, our insurer treats it as hereditary. Not sure about a specific condition? WhatsApp us on +60162996840 before you sign up and we'll check for you 😊
Insurance covers things that might happen, so conditions a pet is born with, or is almost certain to develop because of its breed, are usually left out. Our insurer, MSIG, added the 6 hereditary conditions above in January 2024 because they're common and very costly, especially for dogs. Most of what pets actually get sick with, like infections, tummy trouble, urinary problems, skin issues, cancer and accidents, is still covered.
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
