What is the certificate or policy effective date?

• Policy Effective Date: This is the exact date and time when your pet insurance policy officially becomes active. It begins on the date you pay for your pet insurance.
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• Certificate Effective Date: For Oyen Takaful Kucing, the certificate effective date is the date your certificate becomes officially active, which is when you make a contribution. This date is crucial as it determines the start of your waiting period and the renewal date.

Certificate and policy terms and conditions apply.