What is a policy period?

Your policy period is the time your Oyen pet insurance runs for. It starts on the policy start date shown on your policy schedule and lasts 12 months, until your policy end date.

When does my cover start?

Your cover starts on your policy start date. The policy period does not wait for the waiting period to finish. Instead, some types of claims have a waiting period inside your policy period:

• Accidents: covered from day 1.
• Illness: covered after a 30-day waiting period. An illness, sign or symptom that first shows up during these 30 days is not covered, even if you only see the vet after day 30.
• The 6 covered hereditary conditions (hip and elbow dysplasia, luxating patella, glaucoma, cherry eye, intervertebral disc disease (IVDD), and conditions needing femoral head and neck excision): covered only after 12 months, and only if your pet was below 6 years old when its first policy started.

Why the policy period matters for claims

You can claim for vet treatment that happens while your policy is active. A claim goes under the policy that was active on the date of treatment. Treatment before your policy start date, or after your policy has ended without being renewed, can't be claimed.

What happens at the end of the policy period?

We send you your renewal details at least 30 days before your policy ends. If you renew on time with no break, your cover carries on, including for conditions you have already claimed for. MSIG may review your premium and terms at each renewal.

Your pet can keep renewing every year, with no break, while they're 13 or younger. Once they turn 14, the policy can't be renewed.

If your policy lapses, a new policy is treated as brand new: the waiting period starts again, past conditions become pre-existing, and any No Claim Discount is lost.

Read more about the waiting period and hereditary conditions.

If you need more help, you can WhatsApp us at +60162996840 or email us at care@oyen.my.