What is a pre-existing condition?

A pre-existing condition is any condition, symptom, or sign that exists prior to the start of your pet's insurance policy. These conditions are typically not covered, which is why it’s important to get your pets insured or covered while they are healthy. Here’s how pre-existing conditions are defined:

• For Pet Insurance:
  • A condition is considered pre-existing if, before purchasing the policy:
    • Medical advice, diagnosis, care, or treatment has been recommended for the pet by a veterinarian.
    • The pet has been treated or is receiving treatment from a veterinarian.
    • The pet has clear and distinct symptoms or signs, or these would have been apparent to the policyholder.

Pre-existing conditions are exempted from coverage under your insurance policy. Therefore, insuring your pet while they are healthy ensures that any eligible conditions that occur later in their lives will be fully covered.

Policy terms and conditions apply.

If you currently hold an active Oyen Takaful Kucing certificate, the information specific to your plan still applies until your certificate's end date. Read the full update on Oyen Takaful Kucing's discontinuation.