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 hello@oyen.my 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 14 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.
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.
(a) congenital conditions;
(b) training or therapy for behavioural illness;
(c) cryptorchidism or ovariohysterectomy;
(d) dental costs (except dental treatment due to an accident);
(e) pregnancy, birth or breeding and any complications thereof;
(f) surgical implants;
(g) organ transplantation;
(h) elective treatment (not a medical emergency) and cosmetic surgeries.
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.
Costs incurred to remove a foreign object swallowed by your pet 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.
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).
