Disclaimer: This article provides general guidance on pet insurance options and pricing in Malaysia as of February 2026. Premiums vary based on your pet's age, breed, chosen plan, and reimbursement rate. For your personalised quote, check your pet's eligibility. Policy terms, conditions, and exclusions apply. Review the full exclusions list.
"How much does it cost?" is the first question every pet parent asks about insurance. And it's a fair question. You want to know if protecting your cat or dog fits into your monthly budget before committing to anything.
This article breaks down what pet insurance actually costs in Malaysia, what affects your premium, and how to choose a plan that fits your budget without leaving your pet underprotected.
Here's what we'll cover:
- How pet insurance pricing works in Malaysia
- Takaful Kucing pricing (fixed rates from the product disclosure sheet)
- Conventional plan pricing ranges for cats and dogs
- What factors affect your premium
- How to lower your monthly cost
- Is the cost worth it? A real-numbers comparison
How Pet Insurance Pricing Works
Pet insurance premiums in Malaysia aren't one-size-fits-all. Your premium depends on several factors, and different plan configurations give you control over how much you pay. Here's the basic structure.
| Factor | How It Affects Your Premium |
|---|---|
| Pet type (cat vs dog) | Dogs generally cost more to insure than cats |
| Pet age | Older pets have higher premiums (5 age bands) |
| Breed (dogs) | Some breeds have higher premiums due to health risks |
| Plan tier (Basic, Plus, Champion) | Higher coverage = higher premium |
| Co-payment rate (10%, 30%, 50%) | Higher co-pay = lower premium |
| Payment mode (monthly vs annual) | Annual payment is cheaper overall |
The combination of these factors means there's a wide range of possible premiums. That's actually good news: it means you can configure a plan that matches your specific budget.
Oyen Takaful Kucing: Fixed Pricing (Shariah-Compliant)
If you're looking for the most transparent pricing, Oyen Takaful Kucing (underwritten by Zurich General Takaful) has published fixed rates in their Product Disclosure Sheet. These are exact figures, not estimates.
Takaful Kucing Pricing (Cats Only, Excluding 8% Service Tax)
| Cat Age | Basic (Annual) | Basic (Monthly) | Plus (Annual) | Plus (Monthly) | Champion (Annual) | Champion (Monthly) |
|---|---|---|---|---|---|---|
| 12 weeks - 5 years | RM319 | RM28 | RM449 | RM39 | RM729 | RM64 |
| 6 - 10 years | RM489 | RM43 | RM785 | RM69 | RM1,125 | RM99 |
Source: Oyen Takaful Kucing Product Disclosure Sheet (effective 1 March 2024). Prices exclude 8% Service Tax.
What Takaful Kucing Covers at Each Tier
| Benefit | Basic | Plus | Champion |
|---|---|---|---|
| Vet & Surgical Fees (annual limit) | RM3,500 | RM5,000 | RM8,000 |
| Clinic Overnight Stay | Up to 3 nights | Unlimited | Unlimited |
| Post Treatment | Up to 60 days | Up to 60 days | Up to 60 days |
| Funeral Expenses | Not included | RM500 | RM1,000 |
| Third Party Liability | Not included | RM10,000 | RM30,000 |
| Deductible | 10% or RM100 (whichever higher) | 10% or RM100 (whichever higher) | 10% or RM100 (whichever higher) |
| Waiting Period (Illness) | 14 days | 14 days | 14 days |
Understanding the Takaful Deductible
One important thing to understand about Takaful Kucing: every claim has a deductible of 10% or RM100, whichever is higher. This is the amount you bear on each approved claim before Oyen pays the rest. For a detailed breakdown with examples, see how the Takaful deductible works.
Here's how it works in practice:
| Vet Bill Amount | 10% of Bill | Deductible Applied | You Receive |
|---|---|---|---|
| RM500 | RM50 | RM100 (minimum applies) | RM400 |
| RM1,000 | RM100 | RM100 (equal, so RM100) | RM900 |
| RM3,000 | RM300 | RM300 (10% is higher) | RM2,700 |
| RM5,000 | RM500 | RM500 (10% is higher) | RM4,500 |
For small claims under RM1,000, the minimum RM100 deductible kicks in. For larger claims, the 10% applies. This means on bigger bills, you're effectively getting 90% back.
One important detail: the Takaful deductible is applied on a per-condition basis, not per-bill. If your cat needs multiple follow-up visits for the same condition within 60 days, those follow-ups share the same deductible rather than each visit having its own. For a detailed breakdown, see how the Takaful deductible works.
At RM28/month for Basic coverage of a young cat, Takaful Kucing is one of the most affordable entry points into pet insurance in Malaysia. It comes with a shorter 14-day waiting period (vs 30 days for conventional plans), plus coverage for parvovirus and parasite-caused illnesses.
Conventional Plan Pricing (Cats and Dogs)
For Oyen's conventional plans (underwritten by MSIG), pricing is variable based on your pet's age, breed (for dogs), and the plan configuration you choose. Because pricing depends on multiple factors, we won't list every possible combination here. Instead, here's what to expect.
What Affects Your Conventional Plan Premium
| Factor | Details |
|---|---|
| Age Bands | 5 bands: Band 1 (under 1 year), Band 2 (up to 3), Band 3 (up to 6), Band 4 (up to 10), Band 5 (up to 13 for renewals) |
| Pet Type | Cat premiums are lower than dog premiums |
| Dog Breed | Breed-based pricing for dogs (introduced May 2024) |
| Co-payment | Choose 10%, 30%, or 50%. Higher co-pay = lower premium |
| Plan Tier | Basic (lowest premium), Plus (mid), Champion (highest premium, highest coverage) |
General Pricing Ranges
While we can't publish the exact pricing matrix (your quote depends on your pet's specific details), here's a general sense of the range:
| Pet Type | Monthly Range (Approx.) | Notes |
|---|---|---|
| Cat (conventional) | From around RM30+/month | Varies by age, plan tier, and co-payment choice |
| Dog (conventional) | From around RM50+/month | Varies by age, breed, plan tier, and co-payment choice |
| Cat (Takaful Kucing) | From RM28/month | Fixed pricing by age band (see table above) |
The best way to get your exact premium is to complete the eligibility quiz. It takes under 2 minutes and gives you a personalised quote based on your pet's actual details.
How to Lower Your Premium
Oyen gives you real control over your premium. Here are the levers you can pull:
| Strategy | How It Works | Impact |
|---|---|---|
| Choose 50% co-payment | You pay 50% of approved bills, insurer pays 50% | Significant premium reduction |
| Start with Basic plan | Lower coverage ceiling but lowest premium | Lowest monthly cost |
| Pay annually | One lump-sum payment instead of 12 monthly | Cheaper overall (no instalment cost) |
| Sign up while pet is young | Younger pets have lower premiums | Lock in a lower starting rate |
| No Claims Discount | 5-15% discount if no claims in prior year(s) | Saves money at renewal time |
The co-payment option is especially powerful. If you're someone who can handle smaller vet bills on your own but wants protection against big emergencies, choosing 50% co-payment dramatically lowers your monthly premium while still giving you a safety net for those RM3,000+ bills.
No Claims Discount: How It Rewards You
If you go through a policy year without making any claims, you earn a No Claims Discount (NCD) at renewal. This rewards pet parents who maintain their coverage even when their pet stays healthy.
| Consecutive Claim-Free Years | NCD Discount |
|---|---|
| 1 year | 5% |
| 2 consecutive years | 10% |
| 3+ consecutive years | 15% |
The NCD applies to both conventional and takaful plans. If you make a claim in any year, the NCD resets to 0% at the next renewal. Think of it like car insurance NCD: it rewards consistent coverage.
Is Pet Insurance Worth the Cost? Let's Do the Maths
Let's look at real numbers using Oyen's Takaful Kucing Basic plan for a young cat as an example.
| Scenario | Without Insurance | With Takaful Basic (RM28/month) |
|---|---|---|
| Annual premium paid | RM0 | ~RM336 (RM28 x 12) |
| Cat gets UTI: vet bill RM1,500 | You pay RM1,500 | You pay ~RM150 (10% deductible), claim back ~RM1,350 |
| Your total out-of-pocket | RM1,500 | ~RM486 (premium + deductible) |
| Savings with insurance | - | ~RM1,014 |
And for a bigger claim scenario:
| Scenario | Without Insurance | With Takaful Champion (RM64/month) |
|---|---|---|
| Annual premium paid | RM0 | ~RM768 (RM64 x 12) |
| Cat needs kidney treatment: bill RM5,000 | You pay RM5,000 | You pay ~RM500 (10% deductible), claim back ~RM4,500 |
| Your total out-of-pocket | RM5,000 | ~RM1,268 (premium + deductible) |
| Savings with insurance | - | ~RM3,732 |
One serious illness can save you several thousand ringgit. The question isn't whether you'll ever need it. It's whether you can afford to not have it when you do.
Conventional vs Takaful: Which Is Cheaper?
| Feature | Conventional (MSIG) | Takaful Kucing (Zurich) |
|---|---|---|
| Available for | Cats and Dogs | Cats only |
| Pricing structure | Variable (age, breed, co-payment) | Fixed (by age band and plan) |
| Co-payment flexibility | 10%, 30%, or 50% (you choose at signup) | Fixed: 10% or RM100 deductible (whichever is higher) |
| Deductible | Per-bill basis; may be introduced by insurer on a case-by-case basis. Always clearly shown at checkout | 10% or RM100 (whichever is higher) per condition. Follow-ups within 60 days share one deductible |
| No Claims Discount | Yes (5-15%) | Yes (5-15%) |
| Waiting period (illness) | 30 days | 14 days |
| Covers parvovirus | No | Yes |
| Shariah-compliant | No | Yes |
| Best for budget? | Yes (50% co-pay option brings premium down) | Good value at fixed rates |
For cat owners: both options are worth comparing. Takaful has fixed pricing, a shorter waiting period, and a straightforward deductible (10% or RM100, whichever is higher) on every claim. Conventional has co-payment flexibility (10%, 30%, or 50%), which lets you control your premium. With conventional plans, deductibles may also be introduced by the insurer depending on individual circumstances, but this is always prominently displayed at checkout so you can see exactly what you're paying.
Good news: Oyen sends you your renewal pricing 30 days before your plan expires. That gives you a full month to review your options and reach out to the Oyen team if you need any clarification before renewing.
For dog owners: the conventional plan is your only option with Oyen, as Takaful Kucing is currently for cats only.
Harga Insurans Kucing: Ringkasan dalam BM
Untuk yang mencari harga insurans kucing dalam Bahasa Malaysia: pelan Takaful Kucing Oyen bermula dari RM28/bulan untuk kucing berumur bawah 5 tahun (Pelan Basic). Pelan konvensional bermula dari sekitar RM30+/bulan, bergantung umur dan pilihan copayment.
Untuk mendapatkan harga tepat, buat kuiz kelayakan di laman web Oyen. Ia mengambil masa kurang 2 minit.
FAQ
How much is pet insurance per month in Malaysia?
Cat insurance starts from around RM28/month (Takaful Kucing Basic) or RM30+/month (conventional). Dog insurance starts from around RM50+/month. Your exact premium depends on your pet's age, breed (for dogs), plan tier, and co-payment choice.
Can I pay pet insurance monthly?
Yes. Oyen offers both monthly and annual payment options. Monthly payments let you spread the cost across 12 instalments via auto-debit. Annual payment is available too and works out cheaper overall.
What is co-payment and how does it lower my premium?
Co-payment applies to conventional plans: it's the percentage of an approved claim that you pay yourself. With 10% co-payment, the insurer pays 90%. With 50% co-payment, the insurer pays 50%. Choosing a higher co-payment significantly reduces your monthly premium. Takaful Kucing works differently: it uses a fixed deductible of 10% or RM100 (whichever is higher) per claim instead of a co-payment choice.
Does pet insurance get more expensive as my pet ages?
Yes. Premiums are based on age bands, and as your pet moves into a higher age band at renewal, the premium may increase. Claims history and overall vet cost trends also affect renewal pricing. You'll be notified of any changes at least 30 days before renewal.
Is there a discount if I don't make claims?
Yes. Oyen offers a No Claims Discount of 5% after one claim-free year, 10% after two consecutive years, and up to 15% after three or more consecutive claim-free years. This applies to both conventional and takaful plans.
What's the cheapest way to get pet insurance in Malaysia?
Choose a Basic plan with 50% co-payment on a monthly instalment. This gives you the lowest possible premium while still providing a safety net for serious vet bills. You can always upgrade your plan later as your budget allows.
Is Takaful Kucing more expensive than conventional cat insurance?
Not necessarily. Takaful Kucing has fixed pricing from RM28/month (Basic, young cat) which is competitive with conventional plans. Takaful has a fixed deductible of 10% or RM100 (whichever is higher) per claim, a shorter 14-day waiting period, and covers parvovirus. For details on how the deductible works, see Oyen's Takaful deductible guide.
Why can't I see exact prices on the website?
Conventional plan pricing is personalised based on your pet's specific age, breed, and the plan configuration you choose. The quickest way to get your exact quote is to complete the eligibility quiz, which takes under 2 minutes and shows you all available options with pricing.
Protecting Your Pet Starts Here
Pet insurance in Malaysia fits more budgets than most people think. With plans starting from RM28/month for cats and flexible co-payment options that let you control your premium, there's a configuration for almost every pet parent.
The real cost isn't the monthly premium. It's the RM3,000 to RM8,000 emergency vet bill you weren't expecting. Insurance turns that shock into something manageable.
Check your pet's eligibility now - it takes less than 2 minutes.
