Pet Insurance (General)
Are alternative therapy, physiotherapy, or rehab treatments covered?
Claims
Are specialist visits and second opinions covered?
Billing and Payment
How do I get a receipt or e-invoice for my premium?
Policy Information and Guide
I got another pet. How do I add them?
Policy Information and Guide
Can Oyen recover details from my old pet profile?
Pet Insurance (General)
Is dental treatment covered?
Policy Information and Guide
My pet has an ongoing condition. Will it still be covered when I renew?
Pet Insurance (General)
How much can I claim in a year? Your annual limit explained
Billing and Payment
Can my remaining premium be taken out of my claim payout instead?
Billing and Payment
How is my outstanding premium balance calculated?
Billing and Payment
Why must I settle my remaining instalments before my claim payout?
Policy Information and Guide
My premium went up, but a past condition still uses the old limit. Why?
Dog Insurance
What if I do not want to microchip my dog?
Claims
Why do I need to reactivate an old policy to resubmit a claim?
Billing and Payment
How do I use my renewal or referral cashback code?
Policy Information and Guide
Where can I find my renewal notice and premium details?
Billing and Payment
Can I pay manually if my monthly auto-debit fails?
Billing and Payment
Why was I charged for several months at once?
Policy Information and Guide
Why did my renewal premium increase, and why was a deductible added?
Claims
Can I use the same bill for two claims?
Pet Insurance (General)
Is this condition covered? Quick answers on common conditions
Claims
How do I cancel or retract a submitted claim?
Billing and Payment
How long do refunds take, and how do I confirm mine is processed?
Policy Information and Guide
I can't log in or didn't get my verification email: what do I do?
Policy Information and Guide
How long until my policy is active after I pay?
Policy Information and Guide
Can I remove my deductible at renewal?
Claims
Where can my reimbursement be paid? (Bank account requirements)
Cat Insurance
Is FIP (Feline Infectious Peritonitis) covered?
Claims
How do I submit claims for multiple conditions, visits, or vets?
Policy Information and Guide
My pet has passed away: what happens to my policy?
Claims
Common reasons a claim is rejected, and can I appeal?
Claims
Why can't I claim on an unpaid bill, booking receipt, or deposit?
Claims
Why was only part of my bill reimbursed? Understanding your claim breakdown
Claims
Why is my claim on hold, and how can I help speed it up?
Claims
My claim says paid but I haven't received the money yet
Pet Insurance (General)
Can I use my Oyen pet insurance at a vet clinic in Singapore?
Takaful Kucing (EN)
Oyen Takaful Kucing: Discontinuation Update (Effective 5 May 2026)
Oyen Pet Wellness / Preventive Care Plan — Discontinued (October 2024)
Managing Pet Hair: Tips & HEPA Filter Guide
Pet Insurance (General)
[Announcement] Increasing Coverage Limit effective 11 November 2024
Billing and Payment
My Policy is Overdue, What Should I Do?
Policy Information and Guide
Key Changes to Oyen Policy Wording (May 2024)
Pet Insurance (General)
Can I insure pets other than cats and dogs?
Policy Information and Guide
Can I upgrade or downgrade my Oyen plan?
Policy Information and Guide
Can I transfer my pet insurance to another pet or owner?
Policy Information and Guide
Can I Create an Oyen Account Before Buying?
Policy Information and Guide
Can I cancel my Oyen Pet Insurance plan?
Pet Insurance (General)
Are all cat and dog breeds covered?
Claims
How do I check on the status of my claim?
Pet Insurance (General)
How are pet insurance premiums calculated?
Pet Insurance (General)
Why is Oyen pricing pet insurance based on age and breed?
Billing and Payment
What is Auto-Renewal and How Does it Work?
Billing and Payment
What is the transaction cost?
Claims
How do I submit a claim and how long does it take?
Billing and Payment
Important 8% SST Updates to Pet Insurance
Pet Insurance (General)
Are vaccine-preventable illnesses covered under pet insurance?
Policy Information and Guide
Is it true Oyen's Pet Insurance prices are changing?
Pet Insurance (General)
Can I Transfer My MSIG Plan to Oyen?
Billing and Payment
What is Buy Back/Subscribe Back?
Pet Insurance (General)
What does Oyen Insurance policy cover?
Policy Information and Guide
What is a policy period?
Pet Insurance (General)
Pet Insurance Waiting Period: How It Works
Pet Insurance (General)
What are the exclusions for my pet insurance policy?
Pet Insurance (General)
Congenital & Hereditary Condition Exclusions
Billing and Payment
Why am I seeing the full price when I only want to pay for monthly?
Pet Insurance (General)
How do I request for edits or amendments to my Oyen insurance policy?
Takaful Kucing (EN)
What is a certificate effective date?
Takaful Kucing (EN)
Can I cover pets other than cats?
Takaful Kucing (EN)
Where can I get my official Oyen Takaful Kucing certificate?
Takaful Kucing (EN)
Who is Oyen?
Takaful Kucing (EN)
Oyen Takaful Kucing vs Oyen Cat Insurance
Takaful Kucing (EN)
What is Oyen's operation hour?
Takaful Kucing (EN)
Do you offer any other products?
Takaful Kucing (EN)
Does the Oyen Takaful Kucing plan cover euthanasia and burial cost?
Takaful Kucing (EN)
I have not received my Takaful Certificate yet after 1 working day.
Takaful Kucing (EN)
Can I change from Oyen Cat Insurance to Oyen Takaful Kucing
Takaful Kucing (EN)
How long does it take to get my claim reimbursed?
Takaful Kucing (EN)
Cat Already Sick? Can I Join Takaful & Claim?
Takaful Kucing (EN)
Can I know more about 'Treatment of Small Amount'?
Takaful Kucing (EN)
Add Cat Vaccine Card After Subscribing Takaful?
Takaful Kucing (EN)
What are the criteria for my pet to be eligible for Oyen Takaful Kucing?
Takaful Kucing (EN)
Where can I enter the referral code?
Takaful Kucing (EN)
Do you store customer's credit card information?
Takaful Kucing (EN)
Documents to Prove Cat Ownership for Takaful
Takaful Kucing (EN)
What is a Pre-Existing Condition?
Takaful Kucing (EN)
Do I have to be Muslim to participate in Oyen Takaful?
Takaful Kucing (EN)
Can all breeds of cats be covered?
Takaful Kucing (EN)
Can I upgrade or downgrade my Oyen Takaful Kucing plan?
Takaful Kucing (EN)
How much does the certificate (contribution) cost?
Takaful Kucing (EN)
Can I cancel my Oyen Takaful Kucing certificate?
Takaful Kucing (EN)
What is a vet medical ID?
Takaful Kucing (EN)
Create Oyen Account Before Subscribing Takaful?
Takaful Kucing (EN)
Can I claim from my visit to any vet clinic in Malaysia?
Takaful Kucing (EN)
How will I get compensated?
Takaful Kucing (EN)
Why do I need Oyen Takaful Kucing?
Takaful Kucing (EN)
To whom will I be making the contribution and how will it be processed?
Takaful Kucing (EN)
Takaful Contribution: Monthly or Annual?
Takaful Kucing (EN)
Do I need to get Oyen's approval before I seek vet treatment?
Claims
Why do you need my bank account information?
Takaful Kucing (EN)
Why Submit Vet Docs & Photos for Takaful Kucing?
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What is the transaction cost?

Billing and Payment

This is the cost Oyen incurs with the payment gateway to process your premium/contribution payments. This fee is charged for all payment methods used.

Please note that any transaction costs will not be refunded for any cancellations made. 

*policy t&c applies

Related articles

How do I get a receipt or e-invoice for my premium?
Can my remaining premium be taken out of my claim payout instead?
How is my outstanding premium balance calculated?
Why must I settle my remaining instalments before my claim payout?
How do I use my renewal or referral cashback code?
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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 Riskflow Sdn Bhd
Level 28, GTower, Jalan Tun Razak,50450 Kuala Lumpur, Malaysia
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t: +6016 299 6840 (9am-5pm, Mon to Fri)
email: hello@oyen.my

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