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Over the past few years, we have been listening closely to pet parents and watching how our plans are used in real life, especially when it comes to affordability, claims, and how easy a plan is to rely on when a pet needs care.
One thing has become very clear: most pet parents prefer something that feels straightforward, predictable, and easy to understand. Because of this, we have made the decision to focus on our conventional pet insurance plan moving forward.
This article walks through exactly what's changing, when, and what it means for you.
| Date | What happens |
|---|---|
| 5 May 2026 | Oyen Takaful Kucing is no longer available for new sign-ups. From this date onwards, only Oyen Pet Insurance (conventional) is available for new applications. |
| 5 July 2026 | No new Takaful certificates or renewals will be issued from this date onwards, in line with Zurich General Takaful Malaysia Berhad's discontinuation of the Oyen Takaful Kucing product. |
| Until your certificate's end date | If you currently have an active Takaful certificate, your coverage continues unchanged until the certificate's end date. All valid claims incurred during your coverage period will continue to be assessed and processed under your existing Takaful terms. |
Oyen Takaful Kucing is no longer available for new sign-ups from 5 May 2026 onwards. New applications will be on Oyen Pet Insurance, our conventional plan underwritten by MSIG Insurance (Malaysia) Bhd. You can get a quote here.
Your coverage continues exactly as it is until your certificate's end date. There are no changes to your coverage, terms, or benefits during the remainder of your certificate term. You do not need to do anything right now.
You can renew your Takaful certificate one final time. Your renewed Takaful certificate will then run as normal until its end date in 2027, with the same terms and benefits as before.
Takaful renewals will no longer be available from 5 July 2026 onwards. You will still be able to continue protecting your cat by renewing into a conventional plan. We will send you a renewal reminder 30 days before your certificate's end date with all the details so you have time to review and decide.
If you are on auto-renewal and your renewal date falls on or after 5 July 2026, your policy will be smoothly moved into a conventional plan that closely matches your current coverage and pricing.
We aim to keep your new conventional plan as close to your original Takaful pricing as possible. Because conventional and Takaful contributions are priced differently, you may end up on a slightly different tier (for example, a Takaful Plus customer may be moved into MSIG Basic if that is the closest match in price). The goal is to keep your protection continuous without an unexpected jump in cost.
If you would prefer to choose your own plan instead, you can opt out of auto-renewal at any time from your Oyen account, or message us and we will help you decide what works best for your cat.
Both plans are designed to support your cat's care, but they work in different ways.
| Feature | Takaful Kucing (Champion) | Conventional (Champion) |
|---|---|---|
| Annual vet medical limit | RM8,000 per year | RM10,000 per year |
| How your share of the bill works | Deductible per condition: 10% or RM100, whichever is higher | Co-payment per visit: choose 10%, 30%, or 50% |
| Parvovirus | Covered | Not covered |
| Parasite and worm-related illnesses | Covered | Not covered |
| Choice of clinic | Any licensed vet clinic in Malaysia | Any licensed vet clinic in Malaysia |
| Underwriter | Zurich General Takaful Malaysia Berhad | MSIG Insurance (Malaysia) Bhd |
Many pet parents find the conventional plan easier to follow because the co-payment is calculated per visit, the annual limit is higher, and you have flexibility to pick a co-payment level (10%, 30%, or 50%) that fits your budget.
We have been listening closely to how our plans are used in real life, especially when it comes to affordability and how smoothly claims are approved. Most pet parents prefer something that feels straightforward, predictable, and easy to rely on. Focusing on our conventional plan lets us keep improving the parts that matter most to pet parents.
We hear you, and we know this matters to many of our pet parents. At the moment, we don't have a timeline for bringing back a Shariah-compliant option. If that changes, we will be sure to share it with you.
This is a fair concern, and we completely respect it. Oyen Pet Insurance is a conventional insurance product underwritten by MSIG Insurance (Malaysia) Bhd, which means it is not Shariah-certified. We understand this may be an important consideration for some pet parents, and we want to be clear and transparent so you can decide what feels right for you and your cat.
Any claims made under your Takaful certificate will continue to be processed under your existing Takaful terms. Nothing about those claims will be affected by this change. They will be handled exactly as before.
No. Your cat's details, photos, and existing records are already with us. You will receive a new policy document for the conventional plan, but you won't need to re-enter all your information from scratch.
Yes. Switching plans does not reset or erase your cat's medical history. If a condition was already excluded under your Takaful certificate (for example, a pre-existing condition or one that was previously claimed for), it will remain excluded under your new conventional plan. Any new conditions that arise after your conventional plan starts will be assessed based on the new policy terms and start date.
No. Your plan is still running as usual. You can take a closer look at the conventional plan when your current Takaful certificate is approaching its end date, and we will send you a renewal reminder with all the details 30 days before then.
Yes. Your renewal reminder will arrive 30 days before your certificate's end date, so you will have time to review and choose what works best.
Just so you have full clarity: if you choose not to renew during the renewal period and only decide to come back in the future, it will be treated as a new policy. Any conditions your cat may have developed in the meantime would be considered pre-existing under the new application, based on standard policy terms.
It depends on your cat's age, plan tier, and other factors. The two plans are priced differently because they are structured differently (Takaful uses a deductible per condition, conventional uses a co-payment per visit). Some pet parents may find features of the conventional plan reassuring, including a higher annual vet medical limit, no fixed RM100 deductible per condition, and the flexibility to choose your co-payment level (10%, 30%, or 50%) based on what you are comfortable with.
Once you receive your renewal reminder, you can renew straight from your Oyen account. The process is exactly the same as renewing your current plan, except it will be a switch to the conventional plan. We will guide you through it step by step.
You can, but please note: if you let your Takaful certificate lapse and decide to come back in the future, it will be treated as a new policy under the conventional plan. This means:
If you renew on time, none of the above applies. We are happy to help you understand the conventional plan properly before your renewal date so you can decide with confidence.
You can view the official notice of discontinuation from Zurich General Takaful Malaysia Berhad for your reference.
If you have any questions about your Takaful certificate or about moving to the conventional plan, you can:
Thank you for trusting us with your cat's protection. We are committed to supporting you and your cat throughout this transition.
This article was published on 5 May 2026 and reflects the latest update on Oyen Takaful Kucing. Certificate terms and conditions apply.
Oyen® Pet Insurance and Takaful Kucing 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).
Riskflow Sdn Bhd (1401523-D):
Formerly known as Oyen Sdn Bhd
Suite 3.19 (North Block), The Ampwalk, 218 Jalan Ampang, 50450 Kuala Lumpur, Wilayah Persekutuan Kuala Lumpur
t: +6016 299 6840 (9am-5pm, Mon to Fri)
email: hello@oyen.my
