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Pet Insurance: Is It Worth it?

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Table of content

Pet Insurance: Is It Worth it?

Although pets do not have the same needs as people, as a pet parent, you want to ensure that your pets receive the same love and care as any other family member. However, even though you already cover the basic needs by taking your pet to the veterinarian for an annual checkup, there’s a high chance your beloved cat or dog to fall ill or get into an accident one day. 

You've probably heard that pet insurance can assist ease the financial load that might otherwise befall you in such scenarios. But is it worthwhile to purchase pet insurance? Before we get started on five main key points of why you need pet insurance, let’s get to know about common cat and dog injuries or diseases.

Top 5 Dog and Cat Injuries

The following are some of the most prevalent pet injuries to be aware of:

  1. Abscesses, Bites, and Punctures

Puncture and biting wounds in cats and dogs can also result in abscesses. Running into a broken stick or branch, treading on sharp items like a nail, and fighting with other animals can all result in puncture wounds. If, for whatever reason, there is a deep puncture in your pet's belly or chest, consider it a medical emergency that requires quick care.

  1. Feline Immunodeficiency Virus (FIV)

Feline immunodeficiency virus, often known as cat FIV, is a retrovirus infection that was initially detected in cats in the United States. Because it has a similar impact on cats, the virus is sometimes known as cat HIV or cat AIDS. FIV-positive cats may carry the virus in their system for years before symptoms appear.

  1. Chronic Kidney Disease (CKD)

With CKD, pets gradually lose kidney function over time. It can be caused by a variety of disorders that damage one or more renal processes. Acute kidney damage, on the other hand, has a quick start and can be caused by particular events or illnesses such as urinary tract obstruction, shock, congestive heart failure, bacterial infection, poisoning, Lyme disease, and leptospirosis. However, acute renal damage can lead to CKD.

  1. Diabetic

Diabetes in dogs and cats can arise at any age. Diabetic dogs, on the other hand, are typically between the ages of 4 and 14, with the majority being diagnosed between the ages of 7 and 10. The majority of diabetic cats are older than 6 years old. Diabetes affects female dogs twice as commonly as a male dogs.

  1. Skin Disease

There are several frequent indicators of skin disorders in dogs. These include extreme itching, scratching, or licking of the skin. You may also notice regions of hair loss, coat thinning, red or inflammatory skin, or the formation of pustules, ulcers, or scabby skin.

How Much Do Veterinary Services Cost in Malaysia?

The prices of veterinary treatments vary substantially across hospitals and clinics. This is because prices are determined by the type of animal, the vet clinic itself, the equipment used, treatment plans, equipment used, and the veterinarian's experience.
Here's a fair idea of what to expect for your trip to the vet:

However, the cost of surgery can vary a huge amount depending on what type of surgery your cat is getting, how old is your cat, and even where your vet is located. A spay or neuter procedure can cost from RM90-RM200, depending on a wide range of factors. A dental extraction may cost you up to RM400. Here’s a view of what kind of medical procedure and its costs:

Here’s Why You Need Pet Insurance

Choosing whether or not to acquire pet insurance is a major choice. We hope this overview will help you in determining the best course of action for you.

Unplanned Vet Visits Cost

Veterinary care can be expensive, and if present trends continue, it will become considerably more expensive so in the coming years.
Because no one likes to think about their dogs becoming ill or being involved in an accident, we sometimes fail to plan for those costly medical expenditures. However, the best approach to offer long-term care for your pet and lessen your own concern over hefty medical expenditures is to plan ahead of time.

Peace of Mind

Having pet insurance enables you to select the finest medically appropriate treatments for your sick pet without being constrained by your financial situation. After deductibles, most pet insurance policies cover up to 80% of expenditures.

Freedom of Choosing The Veterinarian

Pet insurance policy allows you to receive care from the veterinarian of your choice, unlike human health insurance policies that may force you to choose a certain healthcare practitioner. You need just submit the veterinary bill to the insurance provider to be reimbursed for eligible costs.

Saving Your Emergency Fund

While an unforeseen illness can lead to mental anguish and stress, there is another side to dealing with health conditions that can leave you drained – the expenses. By buying a suitable pet insurance policy, you can better manage your medical expenditure without dipping into your savings. Your savings can be used for their intended plans, such as buying a home, your child's education, and retirement. 


If you have pet insurance, you may rest easy knowing that in case your dog or cat becomes sick or hurt, you will be financially covered. Without pet insurance, you run the danger of being struck with a hefty payment in the unfortunate event of the worst-case scenario due to the unpredictable expenses of veterinary appointments.

We hope this article has helped you discover some treats for your furry friend! The Oyen Pet Insurance covers everything from injuries or medical emergencies to accidental property damages. Get in touch with us today to discuss suitable insurance plans for your pet.