We don't like big and complicated words in insurance too. We wish to explain these ''terms'' to you. Though, keep in mind that this list is a summary of exclusions explained in simple words. For the full description and list, do refer to our Policy Wording.
If you don't understand any of the Policy Wordings, please don't be shy to email us at firstname.lastname@example.org or drop us a message on our social media pages.
We do not cover the pet for illnesses that had already shown clinical signs or symptoms, has occurred, been diagnosed or has been treated before the policy start date or during the waiting periods.
A waiting period is the first 30 days from the start of your policy. The waiting period is introduced to reduce the possibility of claims that occur too close to the purchase of pet insurance plan.
Including and not limited to the cost of any pet food and/or supplements, preventative vaccinations, spaying, castration, routine removal of dew claws, killing and controlling fleas, treating round worms and tapeworms, ticks, mites, grooming and nail clipping or any complications arising from these treatments. This includes but is not limited to illnesses such as tick fever and ear mites.
We do not cover the pet for congenital conditions and their related health complications. Congenital conditions are defined as conditions that are present from birth involving any organ or part of the body.
If your pet is under six years old when your first policy period begins, we'll cover certain hereditary conditions after the policy has been active for one year, as long as these conditions weren't present before the policy started. This applies to conditions that experts or medical literature recognize as genetically inherited or predisposed. Conditions such as:
We do not cover various aspects of dentistry, including dental procedures, diseases, gum issues, tooth fractures, cleaning, orthodontics, cosmetic restoration, TMJ problems, enamel issues, hygiene, and gum diseases. Unless dental treatment is required due to accidents.
We only cover cover medical services, supplies or treatments provided by a veterinarian if they are:
(a) consistent with symptoms or diagnosis;
(b) appropriate and meet generally accepted veterinary practice standards;
(c) not primarily for the convenience of the policyholder, your veterinarian or other providers;(d) consistent with the most appropriate supply or level of services which can safely be provided to the pet; and
(e) Not of an experimental, investigational or research nature, preventive or screening nature
We will only pay for 1 consultation or diagnostic test for the same sickness. Seeking second opinion from the same or different vets will not be covered.
We will only cover vet medical fees from general vet practitioners and not specialist list. Examples of specialised vets are: Oncologists, Toxicologists.
Any claim arising from vet house call services, including video call consults or teleconsulting, is excluded.
Costs incurred to remove any non-food object located within the digestive tract of a dog or cat or illness due to food poisoning.
Treatment that takes place after the expiry date of policy when there has not been any subsequent renewal.
You may only claim up to the maximum amount of your policy's limit. Eg. For the vet medical limit of RM5,000, you can only claim a maximum amount of RM5,000.
These include events related to war, terrorism, nuclear risks, government action, mistreatment or neglect of the pet, commercial use of the pet, pets not named in the schedule, conditions outside Malaysia, and pets without proper identification. Additionally, claims arising from a declared pandemic disease affecting pets are excluded.
I declare that these particulars are true to the best of my/our knowledge.
I hereby authorise any my attending physician/veterinarian or other person who has attended or examined me/my pet to furnish to the insurer or its representative any and all information on my/my pet's illness, injury, medical history, consultation prescriptions of treatment with copies for all hospital records. A photocopy of this authorization shall be considered as effective and valid as the original.
I, the undersigned(s) hereby irrevocably authorize any organization, institution, or individual that has any records or knowledge of my/our health and medical history or treatment or advise and that has been or may hereafter be consulted to disclose to MSIG Insurance (Malaysia) Bhd or Oyen Sdn Bhd.
1. I/We consent to MSIG processing and disclosing the above data to its banker(s) in order to facilitate payment(s) to me/us by way of Giro Fund Transfer/Rentas.
2. All information provided herein is correct and accurate.
3. My/Our request herein shall be irrevocable unless with the consent of MSIG (which shall not be unreasonably withheld). MSIG may at any time, provided there is a need to do so, in its reasonable discretion effect payment(s) to me/us by other mode(s).